The HAT intervention addresses financial literacy because better financial well-being is associated with higher academic performance, psychological health, and life satisfaction. The focus of this topic is threefold: (1) creating a budget; (2) establishing a local bank account; and (3) decreasing the use of check-cashing stores. In addition, the BE concepts of framing and loss aversion can be utilized to incorporate the topic of nicotine cessation into the financial literacy portion of the program. A HAT interventionist can encourage participants to consider the long-term financial costs of nicotine use, by showing how regular purchases of tobacco products can cost thousands of dollars over the period of a few years. Highlighting those long-term expenses, as opposed to focusing on the cost of a single pack of cigarettes, can help encourage nicotine cessation.