Creating a financial mindset

Financial Wellness

Financial Wellness describes the balance between our financial resources and our values.  It buys us the freedom to live a productive and fulfilling life.  

We can make better choices by changing how we think about money. With each financial decision, we should consider the opportunity costs and trade-offs, both economic and personal.


Think Further workplace learning combines the knowledge of personal finance with an understanding of our financial behavior. We are educators who focus on "why we make the decisions we make" in order to create the habits necessary for lasting change.


Workplace Learning Sessions

Topics include: budgets, debt management, investments, insurance, home ownership,  and college finance.

Our behavioral perspective on personal finance can also provide a valuable supplement to your organization's existing financial wellness program.  

Joseph DiFiglia


After a gratifying investment career, Joe has been pursuing his passion of economic and financial education. He leads the non-profit New Jersey Council for Economic Education, as well as the Institute for Financial Literacy and Economic Education at NJ City University.

In the college classroom, Joe teaches courses in Personal Finance, Investments, and Economics at New Jersey City University, and runs workshops throughout the State for New Jersey's K-12 teachers. 


M.A. Economics, New York University, 1992

B.S. Finance, Lehigh University, 1984

What Clients are Saying


“Managing personal finances can create a lot of anxiety and tension in people’s lives. It is important to us that we provide our employees with the tools to approach this confusing and often scary subject. We are so glad we contacted Think Further. Joe’s personal style is refreshing and highly effective. The staff left with a far greater understanding of personal finance, practical tools they can use right away and the confidence that they can achieve financial wellness. If you are concerned about the economic stability of your employees I highly recommend Joe DiFiglia and Think Further.”

Chris Zaccone

Director of Creative Support,

Charles Komar & Sons, Inc..

Think Further Educators

Doug Young

Doug is an award-winning teacher, coach, and consultant with more than 35 years of experience in the field of education.  He served as the Senior Director for the National Center for Economic and Financial Education at The Council for Economic Education where he created and conducted professional development workshops for educators.

Doug is a dynamic speaker who presents at financial and economic education conferences across the country.


Think Further, LLC

(732) 241-7458

641 Prospect Avenue

Little Silver, NJ 07739