Teaching the language of opportunity.

Veterans Financial Literacy

After years of service, veterans shouldn't have to fight through their own benefits system. F³ demystifies benefits, eases the toxicity of unnavigated debt, and builds literacy around tools that are already theirs. Workshops run in partnership with Veterans Heroes Bridge.

It began as research. Harman's first-authored study of financial capability among 88 U.S. veterans grew into an umbrella review on extended-stay housing and financial toxicity with Dr. James Witte at George Mason University. Research became workshops.

Social Entrepreneurship

Through UPenn's Social Innovators Program, Harman built F³'s first program for student athletes — NIL basics, budgeting on stipends, contract literacy, and credit, drawn from his own seasons on the Adidas 3SSB circuit. The instinct behind it — spot a real need, then design something practical for it — now drives everything F³ creates.

Fox 5 Show & Instagram Outreach

Financial literacy doesn't have to live in a classroom. F³'s short-form content on compound interest, credit, and scams has reached over 10,000 students by making the material feel relevant. The same approach powers Teen Talks with Harman, a monthly Fox 5 Plus segment where Harman interviews entrepreneurs, finance professionals, and community leaders — clear enough for students, substantive enough to matter.

Title I Schools & Shelters

F³ brings practical financial education to the communities where the opportunity gap opens earliest — and this summer is training student volunteers to scale it across Northern Virginia.

Shelter-Based

Families in shelters are often the most resourceful people in the room — they just haven't had the tools yet. Partnering with Shelter House, Fair Ridge, the Loudoun Homeless Services Center, and Artemis, F³ brings live workshops on budgeting, credit rebuilding, and benefits navigation right to them — 16 shelter workshops so far.

County Schools

F³ is joining Fairfax County Public Schools and Prince William County Public Schools as an official community partner, bringing financial-literacy programming into Title I schools — reaching students in the classrooms where the gap starts, before it widens.

International Reach: Rural India

In an underserved village in India, a local nonprofit houses and educates roughly 100 girls from economically challenged backgrounds. F³ built and launched a financial-empowerment summer course just for them — savings, compound interest, scam awareness, and building toward independence. An email campaign Harman helped launch raised $20,000 to support the nonprofit.

The reasoning is the same as everywhere F³ works: we can't change where these girls started — but we can hand them practical tools, and what they build is theirs.

The F³ Fellowship

For an orphaned girl in rural India, finishing school is rarely the hard part — paying for college is. Each year, the F³ Fellowship funds 20 full-tuition college scholarships for the girls F³ already teaches, turning a diploma into a degree and a degree into independence.

It's the longest arc of everything F³ does — not a one-day workshop, but a future a young woman gets to build and keep as her own.