Earning

• Describing money: What is it?
• Working for income/Employment
• Learning about work as participation in the economy and personal fulfillment tool
• Discerning Earned/Unearned Gifts
• Understanding using concepts entrepreneurship
• Exploring concept of career paths and individual preferences and choices.

Saving

• Exploring the concepts of: Now/Later, Choice/Decision, Alternatives/Trade-offs/Opportunity cost
• Setting Goals: Reasons to save; changing perception of saving as a restriction to a positive experience and a path to future dreams. Setting a goal becomes an incentive to save.
• Learning about Ways to Save: Banking/ Savings Account
•  Deposits/Withdrawals; statements; checkbook register

spending

• Modeling smart consumerism
• Planning for conscious spending
• Managing credit cards, borrowing/lending
• Adhering to “Dream Builder” (Budget)
• Reinforcing the concepts: Now/Later, Choice/Trade-offs/Opportunity cost
• Understanding the difference between basic needs and wants
• Discovering the power of self-responsibility and choice
• Weighing the impact of advertising
• Sometimes we need to wait!

Sharing

• Discussing philanthropy and planning a giving project
• Teaching the importance of voluntary action for common good
• Making the world a better place because we are here!
• Cultivating gratefulness

Growing

• Exploring alternatives to savings accounts
• Learning about stocks and bonds
• Weighing risks and rewards of choices
• Creating sample balanced investment portfolio

Money Management

• Budgeting: creating a personal “Dream Builder” (Budget as a map of positive action to reach goals.)
• Setting financial goals to bring dreams to reality
• Borrowing and Lending
• Instilling the concept of self-responsibility engrained throughout the program
• Building the awareness that negotiating the financial landscape is a building block to a quality life.