Cash Composition Contest

CONTEST WILL BE LIVE SOON

About the Contest:

In support of Financial Literacy Month (April), Michigan State University Extension and 4-H are coordinating the Cash Composition Contest. Youth residing in Michigan, age 9-19 as of (January 1, 2026) are encouraged to answer this year’s essay question (see below) with an essay of 300 words or less. We have 3 age brackets for the contest; 9-11, 12-14, and 15-19. The top 2 scoring essays in each age bracket will win $100 gift card.

2026 Cash Composition Contest Flyer

Timeline:

March 1, 2026: Essay Submission due by 11:59 p.m.

April 1, 2026: Winners Announced

Cash Composition Topic:

Scams and fraud can happen to anyone, even if you’re careful. In your essay, explain how you protect yourself from fraud or scams and what steps others your age can take to stay safe. What are some warning signs to look out for? If you or someone you know has ever experienced a scam, what did you learn from it? Why do you think some people still fall for scams, even when they know the risks?

Essays are scored on:

Quality of Writing
Organization and Information
Grammar and Mechanics

Guidelines:

Participants must:
- Be between 9-19 years of age (as of Jan 1, 2026) living in the state of Michigan.
- Have knowledge of money management pillars of saving, spending, borrowing, and planning appropriate for age and grade level.

Resources to Prepare:

Attend Avoiding Money Mishaps on either January 13 at 6pm EST or February 11 at 6pm EST (these will repeat content and include essay writing tips).
The self-guided Nearpod course on Avoiding Money Mishaps
Articles that support the topic
Events (from MSU Extension staff) on avoiding fraud and/or protecting your identity

To Apply:

Youth under 18 must have parent or guardian permission to apply and participate.
The application form must be completed by a parent/guardian unless over 18.
Youth must write an essay (300 words or less) on the assigned topic above.
Essays must be submitted on the contest registration page.

Submit Essay Here

The essay must be the work of the student submitting the essay. It is highly recommended that youth write their essay prior to completing the registration/submission form.

All essays become the property of the Michigan State University Extension 4-H Youth Development Program and may be used by contest coordinators to promote financial literacy.

All submissions must be received by 11:59 pm (EST) on March 1, 2026.