The Retirement Toolkit is a reproducible workshop kit that through the innovative use of co-design seeks to address the gap in retirement financial literacy for low income, young working adults. The Toolkit’s application of co-design for education allows the participants to actively shape their learning experience as opposed to conventional, one-sided forms of teaching. Through creative discussion, design activities, and active visual learning, the program not only teaches, but also empowers participants to secure their own financial futures. Furthermore, the project is highly scalable because the workshop guide and toolkit can be easily reproduced to allow third parties to hold their own retirement workshops beyond the Bay Area. Additionally, the individualized curriculum will allow participants to tailor the material to their needs. The project thus addresses the lack of effective financial literacy programs for low income, young working adults in an innovative application of co-design.