Building Financial Futures, Together.
Noble was born from a simple observation: the financial education gap for teenagers is real, and the consequences follow them into adulthood. We're on a mission to change that.
Financial Education Gap
State of financial literacy in the US:
Early Education Impact
83%
of financial habits form before age 18
Teen Financial Power
Education Research
4x
better retention when financial concepts are applied to real money
From Personal Frustration to Purpose.
Noble was founded in 2025 by Brandon Saldan, a college student who experienced firsthand the consequences of inadequate financial education. As a 22-year-old navigating his own financial journey, Brandon noticed a troubling pattern: most of his peers were entering adulthood without basic financial knowledge.
"I watched friends make financial mistakes that could have been easily avoided with the right knowledge," says Brandon. "But I also realized this problem starts much earlier – in our teenage years when we form our first money habits but receive little practical guidance."
Instead of waiting for someone else to solve the problem, Brandon leveraged his perspective as a digital native to build Noble — a platform that offers teens real financial experience with appropriate parental guidance, designed by someone who understands the challenges young people face today.
The Financial Education Gap.
The statistics are clear: we're sending teens into adulthood financially unprepared, despite the consequences that follow them for decades.
- of financial habits are formed before age 18
- 83%
- of high school students required to take a financial education course
- 16%
- annual spending by teenagers in the U.S.
- $74B
- of teens lack confidence in financial decisions
- 57%
Our Core Values.
These principles guide everything we do, from product design to customer support.
Education Through Experience
We believe financial literacy is best learned through real-world practice, not just theory. Noble provides authentic experiences in a safe environment.
Balance of Freedom and Protection
We respect teen autonomy while providing appropriate safeguards. Our platform grows with users, offering more independence as they demonstrate responsibility.
Family Financial Harmony
We transform money conversations between parents and teens from sources of conflict to opportunities for connection and mutual growth.
Research-Backed Design
Every feature is grounded in developmental psychology, behavioral economics, and adolescent education research.
Practical Over Perfect
We focus on building habits and skills that work in real life, not theoretical perfection. Every financial journey has missteps – we help learn from them.
Inclusive Financial Empowerment
We believe financial literacy is for everyone. Noble works to make financial education accessible across different backgrounds and learning styles.
From Frustration to Solution.
Brandon's journey to create Noble followed a deliberate process focused on truly understanding the problem before attempting to solve it.
Identifying the Problem
Brandon's own financial struggles and watching peers make avoidable mistakes highlighted the massive gap in teen financial education.
Research & Conversations
Dozens of interviews with teens and parents revealed shared frustrations: existing solutions were either too childish or too complicated.
Building the Solution
Noble was built from the ground up with teenage psychology and financial education best practices at its core.
Continuous Iteration
Regular feedback from early users shapes Noble's development, ensuring it effectively addresses real teen financial needs.
A Fresh Perspective on Financial Education.
Being a young founder isn't a limitation – it's our greatest asset. As someone who recently navigated the challenges of learning financial literacy as a teen, Brandon brings unique insights that traditional financial institutions miss.
"Most financial education is created by people decades removed from the teenage experience. They build what they think teens need, not what actually works. Noble is different because I'm building the platform I wish I had growing up."
- Brandon Saldan, Founder
This first-hand understanding allows Noble to create an experience that resonates with how teens actually think about and interact with money, not how adults believe they should.
The Student Becomes The Teacher
Teen Feedback
"Not talked down to"
"Made for me"
"Not a kid app"
Generation Gap
24 years
avg. age difference between designers and teen users
User-Centered Design
The Noble Approach.
Noble is built differently from other financial apps. Our approach combines:
- 1Developmental Design
- Our platform evolves as teens grow, providing age-appropriate features and increasing autonomy.
- 2Just-in-Time Learning
- Educational content appears when relevant to actual transactions, not as abstract lessons.
- 3Balanced Oversight
- Parents get appropriate visibility without micromanagement, fostering productive money conversations.
- 4Built on Behavior Science
- Every feature is designed based on research about how teens actually form financial habits.
- 5Respect for Privacy
- Teens need appropriate privacy to develop independence. Our platform balances safety with autonomy.
Our Research Foundation.
Noble isn't built on guesswork. Our platform is grounded in scientific research from multiple disciplines to ensure we're addressing teen financial education effectively.
Research Areas
Teen Financial Learning
How teenagers absorb and apply financial knowledge differs significantly from adults. Our platform leverages research on adolescent learning to deliver concepts in the most effective way.
Developmental Psychology
Adolescence is a critical period for identity formation and independence. Noble's approach is tailored to support healthy financial autonomy while respecting teens' developmental stage.
Behavioral Economics
Understanding the psychological factors that drive financial decisions is key to building effective habits. We apply behavioral economics insights to help teens make better choices.
Evidence in Action
Key Research Supporting Our Approach
Experiential Financial Education Impact Study
Gonzalez & Park, 2023 • Journal of Financial Education
Key Finding: When teens apply financial concepts to their own money in real-time, retention rates increase by 320% compared to theoretical learning.
Adolescent Learning Through Practice
Thompson et al., 2022 • Educational Psychology Review
Key Finding: Teenagers who engage in guided financial practice show 74% higher confidence in financial decision-making within 6 months.
How We Apply This Research
Just-in-time educational content that appears when relevant to the teen's actual transactions
Interactive challenges that apply concepts to their own money
Real-world feedback loops that create meaningful connections to theoretical concepts
Customized learning paths based on individual spending patterns and goals
Our design is informed by over 20 peer-reviewed studies on teen financial education
Building Noble.
Noble represents a personal mission to solve a problem that affects millions of teens. We believe that sometimes it takes fresh eyes to create real change.
The Inspiration
After watching friends struggle with basic financial decisions in college, Brandon recognized that the gap in teen financial education wasn't being addressed. The idea for Noble was born from this firsthand experience with the problem.
The Research
Before writing a single line of code, months were spent interviewing teens and parents, studying developmental psychology, and researching financial education best practices. This foundation ensures Noble addresses real needs.
The Future
Noble is just getting started. With ongoing feedback from our early users, we're continuously refining the platform to create the most effective financial literacy solution for teens and their parents.
Join Us in Transforming Teen Financial Education.
We're building a future where every teen has the financial confidence and skills they need to thrive in adulthood.