About us

Behind Three Coins stands a team of experts from the fields of economy, pedagogics, project management, training and behavioural science. The joint goal: To convey financial literacy to as may people as possible in a practical and impactful way together with the public hand, NGOs and private organisations.

Goran Maric, BSc (WU)

(he/him)

“The ultimate formula for spending money: half of my money is for things I need, one third for things I want, and the rest is for saving or investing.”

Mag.^a Lena Gugenberger, MBA

(she/her)

“I always have at least three monthly salaries at the side – so I can sleep peacefully.”

Theresa Graf, MSc (WU)

(she/her)

“Before spending higher amounts of money, I ask myself, if i really need it or if I just want to have it right now.”

Julia Vlahovic, MSc (WU), BA

(she/her)

“For me it is very important to have a good overview of my earnings and my spendings – especially to have irregular costs on the radar. This way I always know: What does life really cost?”

Victoria Coban

(she/her)

“Before I buy something new, I look for second-hand alternatives. This not only saves me money, but also protects the environment.”

Cindy Aumayr-Schmid, MSc (WU), BA

(she/her)

Daniel Hartmann

(he/him)

Verena Henneberger

(they/them)

Nina Kargl

(she/her)

Teresa Münch

(she/her)

Mag.^a phil. Birgit Valbuena-Lenger

(she/her)

Peter Wöber

(he/him)

Katharina Norden
Co-Founder & Ex-CEO

Eva-Bettina Gruber
Ex-COO

Edith

PR & Communications

The financial education formats developed by Three Coins aren’t reserved for specific social classes and are available to anybody. I’m happy to support such an inclusive educational approach.

Michael

Trainer

In my work with Three Coins I’m motivated by working with innovative methods in order to convey money management skills that make people more selfconfident in the future.

Maria

Trainer

Managing one’s money consciously is fundamental to a self-determined life. That’s why it is so important that Three Coins conveys financial education in an inspiring way.

Markus

Trainer

As a social worker I’m regularly confronted with the serious effects of poverty and over-indebtedness. Togehter with Three Coins I can do valuable preventive work and accompany young people on their way into a self-determined money life.

Photo © Peter Griesser

Lisa

Trainer

The topic of money accompanies us every day and through all phases of life. A conscious and open approach to it is the basis for a financially carefree life. As a trainer at Three Coins, I am proud to be able to inform and inspire students with compact money knowledge.