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3rd Decade Inc

EIN 84-2298062 · Tucson, AZ

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthFair60 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

CHANGING FINANCIAL FUTURES FOREVER STARTING NOW. 3RD DECADE IS AN AWARD-WINNING PROGRAM PROVIDING FINANCIAL EDUCATION AND MENTORSHIP TO YOUNG ADULTS AGES 18-40, WITH A FOCUS ON LOW TO MODERATE-INCOME INDIVIDUALS.

Income
$1.3 million
Spending
$1.6 million
Spent on programs
73%
Reserves
1.1 months of spending
Largest source of income
donations and private grants, 98%
Employees
14
Volunteers
315
Highest pay
$172,500, chief executive officer

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Fair: 60 out of 100. Higher than 31% of charities in its peer group (human services, $1m to $10m).

  • Reserves

    10 of 35

    Spendable reserves would cover 1.1 months of spending.

  • Debt

    20 of 20

    It owes 7% of what it owns.

  • Living within its means

    0 of 15

    Spending exceeded income by 17% of income.

  • Income trend

    15 of 15

    Income rose 23% on the year before.

  • Spending floor

    15 of 15

    72% of spending went to programs and raising each dollar of donations cost 10 cents.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100. Higher than 65% of charities in its peer group (human services, $1m to $10m).

  • Independent board

    25 of 25

    10 of 10 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (1)
  1. $1.1 million spent. 3RD DECADE IS A NATIONAL NONPROFIT ORGANIZATION DEDICATED TO EMPOWERING INDIVIDUALS TO ACHIEVE FINANCIAL STABILITY AND INDEPENDENCE. OUR COMPREHENSIVE PROGRAM FOCUSES ON BEHAVIORAL CHANGE, LONG-TERM FINANCIAL GOAL SETTING, AND EQUIPPING PARTICIPANTS WITH THE NECESSARY KNOWLEDGE AND TOOLS TO ACHIEVE A SECURE FINANCIAL FUTURE. WITH A GROWING TEAM AND 315 VOLUNTEERS, 3RD DECADE SERVES PARTICIPANTS THROUGH A TWO-PART PROGRAM OFFERED QUARTERLY. THE PROGRAM CONSISTS OF: FINANCIAL EDUCATION: A TEN-HOUR CURRICULUM DELIVERED THROUGH LIVE OR ON-DEMAND CLASSES COVERING ESSENTIAL FINANCIAL CONCEPTS. MENTORSHIP: TWO-YEAR ONE-ON-ONE GUIDANCE FROM A FINANCIAL MENTOR TO CREATE AND IMPLEMENT PERSONALIZED FINANCIAL PLANS. FINANCIAL JUMPSTART: TO ENCOURAGE LONG-TERM SAVINGS, 3RD DECADE CONTRIBUTES $250 TO PARTICIPANTS' ROTH IRAS. MENTORS FROM ACROSS THE COUNTRY DONATE THEIR TIME, EXPERTISE, AND PASSION TO GUIDE PARTICIPANTS ON THEIR FINANCIAL JOURNEYS.KEY IMPACTS:- PARTICIPANTS FROM 48 STATES PARTICIPATED IN THE 3RD DECADE PROGRAM- 912 NEW PARTICIPANTS ONBOARDED IN 2025 - 1,875 NUMBER OF INDIVIDUALS SERVED IN 2025, INCLUDING NEWLY ONBOARDED- 1,583 ALUMNI GRADUATED FROM THE FULL 2-YEAR MENTORING PROGRAM- AVERAGE AGE OF PARTICIPANTS: 29- 72.2% FEMALE PARTICIPANTS- 21% MALE PARTICIPANTS- 4.2% NON-BINARY-1% TRANGENDER- 1.7% PREFER NOT TO ANSWER- AVERAGE NET WORTH CHANGE OVER 2 YEARS: $68,792-MEDIAN CHANGE IN NET WORTH $52,264- AVERAGE GROSS INCOME: $44,1213RD DECADE OFFERS BOTH IN-PERSON AND VIRTUAL FINANCIAL EDUCATION WORKSHOPS TAILORED FOR BUSINESSES, SCHOOLS, NON-PROFITS, AND OTHER COMMUNITY ORGANIZATIONS. THESE WORKSHOPS ARE DESIGNED TO PROVIDE PARTICIPANTS WITH PRACTICAL KNOWLEDGE AND SKILLS IN PERSONAL FINANCE, INCLUDING BUDGETING, SAVING, CREDIT MANAGEMENT, INVESTING, AND RETIREMENT PLANNING. OUR SESSIONS AIM TO EMPOWER INDIVIDUALS TO MAKE INFORMED FINANCIAL DECISIONS, BUILD LONG-TERM FINANCIAL STABILITY, AND DEVELOP CONFIDENCE IN MANAGING THEIR MONEY. WORKSHOPS ARE CUSTOMIZED TO MEET THE NEEDS OF DIVERSE AUDIENCES, WITH CONTENT APPROPRIATE FOR DIFFERENT AGE GROUPS AND PROFESSIONAL BACKGROUNDS. THROUGH THESE WORKSHOPS, 3RD DECADE ADVANCES ITS MISSION OF IMPROVING FINANCIAL LITERACY AND FOSTERING ECONOMIC EMPOWERMENT IN THE COMMUNITIES WE SERVE. KEY IMPACTS:-24 ENGLISH WORKSHOPS-4 SPANISH WORKSHOPS-SERVED 343 PARTICIPANTS -AVERAGE AGED SERVED 36

Source: Form 990 for the year ending December 31, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated October 13, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated October 13, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending December 2025.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since September 2019.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated October 13, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 21, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.