Who is behind Three Coins

Financial literacy for
today and tomorrow

The Core Team

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.

My most important rule of thumb:
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.


My most important rule of thumb:

The first expense of the month is for my future me – part of my salary is dedicated to saving.


My most important rule of thumb:

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


My most important rule of thumb:

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


My most important rule of thumb:

It’s important to monitor my income as well as my spending very closely in order to have an eye on irregular costs. This way I always know: What’s the real cost of living?!


Taking financial literacy further

Contributers and Trainers

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.

Three Coins Sozialunternehmen Trainer Michael

I appreciate that Three Coins broaches such an important issue that frequently isn’t talked about in our society, but concerns all of us. And they do it in a very innovative way.

Three Coins Sozialunternehmen Trainerin Elena

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.

Photo © Mira Nograsek

Three Coins Sozialunternehmen Trainer Benni

Money is a topic that is not addressed frequently enough. Three Coins changes that! Important skills are taught in an exciting way, which motivates me to support this social business.

Achieving more
together with partners

Our Partners


Three Coins Clients Erste Foundation

Collaboration partners