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:

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?


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.


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.


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


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


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 ispiring way.

Achieving more
together with partners

Our Partners


Three Coins Clients Erste Foundation

Collaboration partners