Uploaded May 2021 | Updated September 2026, 2 weeks ago
In this video, Paul Merriman interviews Tim Ranzetta, President of Next Generation Personal Finance (NGPF.org), about his organization’s commitment to financial education for teachers and students, which is extraordinary. NGPF was created on the belief that financial literacy is the key to creating stable futures for the next generation. It promotes financial education in our public schools, and provides free engaging curriculum and professional development for any educator who is interested in the program, with an abundance of free resources for all.
Learn about the results NGPF is tracking and the reasons not every student in the U.S. is being given access to this valuable, life-changing education. Discover the actions you can take to improve the financial future of your children, grandchildren and other young people (and educators) in your life and community.
NGPF produced a video called “The Most Important Class You Never Had,” (watch on YouTube- youtube.com/watch?v=vZHyxGriM6k), which explains the critical impact of financial literacy on our lives — and how improving an understanding of finance during youth can change behavior into adulthood. NGPF focuses on helping students in grades 6-12.
This interview is the final in the 2021 series of Financial Literacy Month events, “Take Control of Your Financial Future,” sponsored by The Merriman Financial Education Foundation, Bainbridge Community Foundation and Library U, a resource of the Bainbridge Public Library.
This conversation was part of a free series Financial Literacy Month presentations, “Taking Control of Your Financial Future,” co-sponsored by The Merriman Financial Education Foundation, (paulmerriman.com/the-merriman-financial-education-foundation/) the Bainbridge Community Foundation (bainbridgecf.org/) and Library U, (bainbridgepubliclibrary.org/bpl-library-u.aspx) program of the Bainbridge Public Library.
In this video, Paul Merriman interviews Tim Ranzetta, President of Next Generation Personal Finance (NGPF.org), about his organization’s commitment to financial education for teachers and students, which is extraordinary. NGPF was created on the belief that financial literacy is the key to creating stable futures for the next generation. It promotes financial education in our public schools, and provides free engaging curriculum and professional development for any educator who is interested in the program, with an abundance of free resources for all.
Learn about the results NGPF is tracking and the reasons not every student in the U.S. is being given access to this valuable, life-changing education. Discover the actions you can take to improve the financial future of your children, grandchildren and other young people (and educators) in your life and community.
NGPF produced a video called “The Most Important Class You Never Had,” (watch on YouTube- youtube.com/watch?v=vZHyxGriM6k), which explains the critical impact of financial literacy on our lives — and how improving an understanding of finance during youth can change behavior into adulthood. NGPF focuses on helping students in grades 6-12.
This interview is the final in the 2021 series of Financial Literacy Month events, “Take Control of Your Financial Future,” sponsored by The Merriman Financial Education Foundation, Bainbridge Community Foundation and Library U, a resource of the Bainbridge Public Library.
This conversation was part of a free series Financial Literacy Month presentations, “Taking Control of Your Financial Future,” co-sponsored by The Merriman Financial Education Foundation, (paulmerriman.com/the-merriman-financial-education-foundation/) the Bainbridge Community Foundation (bainbridgecf.org/) and Library U, (bainbridgepubliclibrary.org/bpl-library-u.aspx) program of the Bainbridge Public Library.








![The Four Fund Portfolio Yields Higher Returns
Paul talks with Barbara Friedberg (https://barbarafriedbergpersonalfinance.com/), financial writer and former investment portfolio manager, about his popular 4 fund combo and how and why to implement it. Among their discussion is how the 4 fund combo (https://paulmerriman.com/4-fund-combo/) strategy outperformed the S&P 500 over the last 92 years. From 1928 through 2020 the Merriman 4-fund portfolio earned an average annual return of 11.7% versus the S&P 500 average return of 10.00%.
[This video is also available as a video at: https://paulmerriman.com/the-four-fund-portfolio-yields-higher-returns/].
The Merriman Financial Education Foundation Four Fund Combo –
- Small Cap Value
- Small Cap Blend
- Large Cap Value
- S&P 500
Sign up for free at M-1 Finance and create your own 4 Fund Combo: https://m1finance.8bxp97.net/aXrzb
(Affiliate Link – If you fund an account for $1,000 or more, The Merriman Financial Education Foundation receives a one-time affiliate fee.)
Watch our M1 finance video tutorial with Chris Pedersen
https://www.youtube.com/watch?v=02_KIRvBbmo
Barbara A. Friedberg, MBA, is a former investment portfolio manager and university finance and investing instructor. She currently owns and manages two Investing websites: Robo-Advisor Pros https://www.roboadvisorpros.com/ and Barbara Friedberg Personal Finance
https://barbarafriedbergpersonalfinance.com The Four Fund Portfolio Yields Higher Returns](https://i.ytimg.com/vi/vMFtJLAxFhI/mqdefault.jpg)

