The Current Situation:
The number one complaint from working millennials is that they were never taught life money management skills in school or by their parents and feel that is a key contributing factor to them living pay check to paycheck with large amounts of debt. It's not just millenials who are struggling financially. According to the National Foundation for Credit Counseling’s (NFCC) “2015 Consumer Financial Literacy Survey”, 41% of adults gave themselves grades C, D or F with regard to their personal finance knowledge, 29% have not saved anything for retirement, 34% have no savings, 60% do not have a budget and 24% do not pay their bills on time. Such negative financial outcomes and low levels of consumer knowledge and confidence makes it obvious that financial literacy in America should be a national priority.
Financial literacy is linked to positive outcomes like wealth accumulation, stock market participation and retirement planning, and to avoiding high-cost alternative financial services like payday lending and auto title loans because better personal finance decisions are made. Equally, financial illiteracy in part led to the Great Recession. Those who are financially illiterate are less likely to have a checking account, rainy day emergency fund or retirement plan, or to own stocks. They are also more likely to use payday loans, pay only the minimum amount owed on their credit cards, have high cost mortgages, and have higher debt and delinquency levels. To minimize the impact of any future financial crisis, Americans must be educated in personal finance.
Why High School?
For many individuals, educational opportunities end with high school as others go to college. What is certain is that both paths lead to making major financial decisions in those precious years after high school impacting the rest of their lives. Regardless of when a young person’s formal education ends, they will be put into situations where they need to know how to manage daily living expenses. In college financial literacy is primarily a brief entrance and exit loan counseling. A Charles Swab survey indicated that parents are nearly uncomfortable talk to their children about money as they are discussing sex. So, high school seems like the best and most logical place to deliver personal finance education to America’s youth.
From Paychecks to Power high school curriculum, is exactly what is needed to give the next generation the proper tools and skills to obtain and maintain financial independence!
Students will learn that success with money is not about what you make, but more importantly what you do with the money that you make. This course will address the behaviors that make and keep people restricted financially as well educate on various financial topics such as debt, budgeting, investing, home-buying, taxes and so much more. Student are given a simple and easy plan to follow with each part of the plan broken down and studied in depth to allow for proper learning. Once you learn how to win with money, you'll win in every other area of your life.
- The Facilitator Guide is comprised of 18 student lessons, a parent connection component, assessments, and a College & Career Checklist, all focused on success in the classroom and life
- The lesson menus are flexible enough to be used in 30-90 minute sessions or over a week’s time depending upon the number of activities completed.
- Every lesson utilizes grades 6-12 Common Core State Standards in specific areas of literacy: Utilizing Informational Text, Writing, Speaking, and Listening.
- All lesson activities are aligned to both the Literacy & National Financial Literacy Standards and are shown within the lessons.
- Most lesson activities utilize College and Career Readiness Skills as they deal with important life skills related to financial literacy, money management, preparation, and decision-making.
- Topics covered: budgeting, debt, credit, interest, savings, home buying, car buying, investing, taxes, goal setting, career and lifestyle research and so much more
- A Pre and Post Assessment, a simple method of measuring growth of student knowledge throughout the program
Work books are $39.95 and Facilitator Guides are $49.95. However, if a class room bundle of 10 or more is purchased receive the workbooks prices will be reduced to $24.95 as well as the appropriate number of from paychecks to power reading books at a discounted price of to $9 per book, regularly $15 per book.
- 10 Student Class room Bundle $440- 10 reading books, 10 workbooks, and 2 Facilitator guides.
- 20 Student class room bundle $830 - 20 reading books, 20 workbooks, and 2 Facilitator guides
- 30 Student class room bundle $1,120 - 30 reading books, 30 workbooks, and 2 Facilitator guides
- Custom Orders available
*FREE Shipping on all bundle orders of 10 or more.