We want to implement this project because young people’s financial literacy and everyday money-management skills have weakened over generations. One key reason is that money has become digital: it is now mostly numbers on a screen, which makes it harder to grasp its real value compared to physical cash. Paying has become effortless, and money can “leak” unnoticed through small delivery fees, subscriptions and micro-payments that people do not always recognise as significant costs. Many young people therefore experience uncertainty and a lack of control over their personal finances. Overspending and indebtedness can happen gradually, while the fear of losing creditworthiness is a widely recognised worst-case scenario. At the same time, young people live in very unequal realities: some see high-income lifestyles through social media and may struggle to understand how much work is needed to cover basic living costs, while others come from families facing serious financial hardship—and some do not need to worry about money at all. In addition, basic numeracy skills are weakening and “thinking is outsourced” to digital tools and AI, which can further reduce the ability to estimate costs, compare options and understand long-term consequences. In this environment, it is easier to fall for “too good to be true” offers—especially in situations of stress, mental health challenges or simple lack of knowledge. From a youth work practice perspective, our project responds to these needs by offering concrete, experiential and game-based non-formal learning methods that help participants manage their own finances, make conscious choices and understand the long-term effects of financial decisions. We will approach personal finance in a broad and practical way: beyond basic budgeting and spending awareness, we will also practise recognising unrealistic offers and scams, and learning how to assess the reliability of financial information and digital services. Environmental responsibility and circular economy will be integrated into the programme to connect money choices with sustainable lifestyles. The participant group—Finland, Ukraine, Greece and Austria—creates a meaningful learning setting where young people can compare everyday economic realities across countries and strengthen intercultural understanding. Travelling by land and working in a camp-style environment will foster community spirit, solidarity and active participation. Overall, our objectives are to strengthen participants’ financial agency, critical thinking, responsible consumption and saving habits, intercultural competence and self-confidence. The YouthPass process will make learning visible and help young people identify their skills and progress. The project will provide a safe, supportive and inspiring environment to practise life skills that participants will need throughout their lives.