Money Smart 2.0

Lesson 1 – The Path to Success

  • Identify and assess the skills and experience needed for a variety of careers
  • Examine the impact of education and other opportunities like internships on career trajectory
  • Create a path for advancing in a career fields

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Lesson 2 – Bread and Butter

  • Understand and explain the purpose of federal income and state tax and how it affects personal income
  • Apply mathematical skills and concepts to tax brackets and personal income
  • Describe and evaluate the importance of the current federal income tax system

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Lesson 3 – Designing Dreams

  • Identify and explain needs and wants
  • Identify their own financial values and apply those values to their financial goals
  • Create a financial goal and develop the process to achieve it, factoring in possible barriers to that goal
  • Understand and explain the importance of creating financial goals

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Lesson 4 – Being a Savvy Shopper

  • Consider the role of needs and wants in decision making
  • Evaluate the credibility and motivation of marketing and advertising
  • Distinguish the best value of goods and services
  • Define and apply opportunity cost to purchases

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Lesson 5 – Go with the Flow

  • Explain the purpose and value of budgeting
  • Explain the budget categories: fixed expenses, variable expenses and discretionary expenses
  • Create a budget accounting for income, expenses and unexpected scenarios

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Lesson 6 – Super Savers

  • Understand and explain the importance of saving money
  • Evaluate methods for saving money, both for a scenario and in their own lives

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Lesson 7 – How to Stash Your Cash

  • Evaluate and differentiate a variety of banking and savings options
  • Identify the benefits of creating a savings account
  • Understand compound interest and how it can increase savings
  • Understand investment growth, losses, reward and risk by developing and tracking a stock portfolio
  • Demonstrate a general understanding of investment vehicles, like bonds, stocks and mutual funds
  • Create investment tips for an adult audience

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Lesson 8 – Money Doesn’t Grow on Trees

  • Understand investment growth, losses, reward and risk by developing and tracking a stock portfolio
  • Demonstrate a general understanding of investment vehicles, like bonds, stocks and mutual funds
  • Create investment tips for an adult audience

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Lesson 9 – Give Credit Where Credit is Due

  • Understand how to build credit and avoid practices that may hurt credit
  • Identify the economic benefits of good credit
  • Discuss the consequences of debt

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Lesson 10 – Protecting Yourself

  • Create a trifold informative brochure on identity theft and prevention methods
  • Apply information about identity theft and prevention in realistic role-plays

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Lesson 11 – Risky Business

  • Identify methods to protect themselves from unwanted financial risk
  • Create a risk management plan for a purchase

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Lesson 12 – Spend Save or Give

  • Create a balanced budget that takes into consideration spending, saving and giving
  • Analyze personal decision making when crafting a budget

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