Ages 4-7: Making Spending Decisions

The objective of this lesson is to introduce structured spending decisions to assist young children in making choices. Also helping children recognize that money comes in limited amounts.

• Gain self-confidence in making decisions
• Analyze simple alternatives
• Develop rational behavior patters
• Practice making decisions in structured situations

Ages 8-11: Money Responsibility

The objective of this lesson is to recognize various tools and methods to keep a budget balanced, and to think about what happens when attention to money is neglected.

• Apply math skills to balance a spending plan
• Recognize the importance of keeping purchase records
• Gain an understanding of spending behavior patters

Ages 12-17: Saving and Investing

The objective of this lesson is to introduce the advantages and disadvantages of common savings and investment vehicles and show the short- and long-term effects of various savings and investment vehicles.

• List and prioritize some of your short- and long-term budget goals
• List and explain some of the advantages of saving money
• Understand the concept of “pay yourself first” and list some ways to encourage this habit
• List and explain the differences among common savings methods
• Understand the advantages and disadvantages of popular investment vehicles
• Understand what investment fraud is, and list some of the ways you can protect yourself against investment swindlers
• Compare and contrast the short- and long-term consequences of investment decisions

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