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Financial Footings - Step 1

Developed for Grades K-2

Beginning with basic information, students are introduced to coins and bills, the connection between working and earning money, discerning needs from wants, and the role of banks and credit unions. Each unit contains one activity designed for younger learners and one activity for older learners.

 

Financial Framings

Developed for Middle School

Provides finance education while framing personal financial decisions within the larger local and global economies. Curriculum is taught through an interactive, game-like format, which engages learners by presenting real-world economic scenarios.

Financial Foundations - Banking

Developed for Middle School and High School

Banking is important to understand because participation in banking services is typically one's first exposure to the financial world. Having a strong relationship with a financial institution and properly managing a bank account can provide a strong foundation for future financial transactions one might require. Learners are introduced to financial institutions, how they work, and how one can utilize them when managing money in this module.

 

Financial Foundations - Budgeting

Developed for Middle School and High School

Budgeting is the foundation of personal financial planning. It establishes sound money management skills through income and expense tracking. Since every person is different, it is important to know how to create a budget to use for one's own specific needs. Learners are introduced to primary budget components, the different types of income, and short- and long-term financial goals in this module.

Financial Foundations - Credit

Developed for Middle School and High School

Credit use is commonplace in today's economic society. It is used to pay for items such as large purchases, car repairs, and various emergencies. Credit can be an overwhelming topic, but understanding credit is critical for managing one's finances responsibly. Learners are introduced to credit fundamentals, borrower responsibilities, and credit reports in this module.

 

Financial Foundations - Investing

Developed for Middle School and High School

Investing is an excellent way to build wealth and achieve financial goals in life. Learners are introduced to key principles of investing in this module, including investment types, risk versus return, retirement savings options, and more.

Financial Foundations - Risk Management

Developed for Middle School and High School

Individuals often feel that they are paying money into insurance policies but not getting their fair share back rather than as a way to manage risk. Insurance allows one to pay for the protection of one's assets. Learners are introduced to insurance, why it is needed, and how it works in ths module. Insurance premiums and various policies are also covered.

 

Foundations (Redesigned) - Budgeting Level 1
FOR PILOT USE ONLY

Currently being piloted for Middle School and High School

Budget to Build Wealth - Budgeting is the keystone to proper money management. Budgeting is more than tracking income and expenses. It is the key to setting and achieving financial goals. This module covers the concept of wealth and what it means to individuals. How to create SMART goals and spedning and savings plans to attain wealth is also covered, and net worth and cash flow are explained.

Foundations (Redesigned) - Budgeting Level 2
FOR PILOT USE ONLY

Currently being piloted for Middle School and High School

Track and Adjust Your Budget - Developing and following a budget is an important component to healthy money management. In this module, individuals will learn how to develop a budget tracking system that is right for them and their financial situation. Strategies to help individuals maximize savings and plan for the unexpected are also covered.

 

Foundations (Redesigned) - Credit Level 1
FOR PILOT USE ONLY

Currently being piloted for Middle School and High School

Create Your Credit Persona - Credit and debt can be tools for reaching financial goals. In this module, participants will learn how debt accumulation can be used as a positive leveraging tool to meet life goals or a crippling hindrance that can hold one back. Also covered is an overview of how lenders use credit reports and scores to measure one's credit worthiness (how well one can handle debt).

Foundations (Redesigned) - Credit Level 2
FOR PILOT USE ONLY

Currently being piloted for Middle School and High School

Leverage Loans to Finance Goals - Once individuals have a solid understanding of how to properly manage debt and maintain strong credit, they can move on to learning about the different types of loans and repayment options. This module covers various loan types, how to calculate debt repayment totals, and the pitfalls of poor debt management.

 

Foundations (Redesigned) - Investing Level 1
FOR PILOT USE ONLY

Currently being piloted for Middle School and High School

Get Inspired by the Time Value of Money - We should all strive for financial independence, a point when investments or other passive income makes earning a paycheck unnecessary. Investing is an excellent way to build wealth over time and achieve life and financial goals along the way. This module introduces the power of compound interest and the basics of investing, which can be used to maximize future returns.

Foundations (Redesigned) - Investing Level 2
FOR PILOT USE ONLY

Currently being piloted for Middle School and High School

Understand Retirement Vehicles - Simply maximizing investment earnings is not enough to be a successful investor. There are fees and taxes to take into account, and a number of considerations to make to optimize one's investments. This module introduces various investing strategies and retirement vehicles, while helping learners better understand the type of investor they may be.

 

Foundations (Redesigned) - Protection Level 1
FOR PILOT USE ONLY

Currently being piloted for Middle School and High School

Manage Risk with Insurance - Good financial planning goes beyond getting money and maximizing it. Mindful individuals also consider bad things happening and how to protect themselves from the worst. This module highlights numerous approaches to managing risk and minimizing financial loss. Types of insurance that are necessary components of a strong financial plan are also explored.

Foundations (Redesigned) - Protection Level 2
FOR PILOT USE ONLY

Currently being piloted for Middle School and High School

Prevent or Recover from Fraud - One in three individuals falls victim to identity theft, costing consumers more than $16 billion per year. This module presents the various types of consumer fraud that exist and provides guidance on how to avoid becoming a victim. Steps one should take if they become an identity theft victim are also covered.

 

Foundations (Redesigned) - Spending Level 1
FOR PILOT USE ONLY

Currently being piloted for Middle School and High School

Tools and Services to Manage and Build Wealth - Having a strong relationship with a financial institution and properly managing a bank account can provide a strong foundation for future financial transactions. In this module, participants will learn about available financial services and explore how to choose the right account and financial institution. The module stresses the importance of minimizing cash management fees.

Foundations (Redesigned) - Spending Level 2
FOR PILOT USE ONLY

Currently being piloted for Middle School and High School

Take Control of Large Purchase Planning - Saving money is hard work! It is important to make well-informed decisions when spending hard-earned savings. In this module, participants learn the steps to make smart buying decisions that align with their financial goals. Purchasing of typical big-ticket items such as smartphones, cars, and homes is covered to help illustrate this process.

 

SAFE - Goals and Tools

Developed for Postsecondary

Participants learn to craft SMART Goals to achieve their dreams. They explore the basics of budgeting including strategies for managing income and expenses. Finally, they study financial products and services as tools for managing their accounts and saving for their dreams.

SAFE - Income and Taxes

Developed for Postsecondary

Participants identify a career that aligns with their lifestyle goals, analyzing their future income potential. They explore taxpayer rights and responsibilities and education-related deductions, credits, and plans for which they may be eligible. They finish this session by examining the process of tax collection and the importance of financial record keeping.

 

SAFE - Credit and Debt

Developed for Postsecondary

Participants explore the value of good credit, how credit reporting works, and the components of a good credit score. They review the types of student loans available and examine how to make the best use of these loans, to leverage credit to achieve their goals.

SAFE - Protecting Yourself

Developed for Postsecondary

Participants explore ways to avoid becoming a victim of identity theft or how to recover if their identity is stolen. They also explore types of insurance and how insurance can help them manage the risks of day-to-day life.

 

SAFE - Savings and Retirement

Developed for Postsecondary

Participants explore the value of compound interest in light of various types of investments. They examine critical concepts such as diversification and risk versus return as they review an array of retirement savings options.

Forward - Envisioning the Life I Want

Developed for Adult Learners

Forward's intended outcome is to empower economically vulnerable adults with the knowledge and skills to enhance their financial stability.

In the first Forward module, participants identify the dreams that motivate them and then practice using SMART goals to create action plans to achieve them. These plans outline how they will use their personal strengths and resources to address potential barriers, creating a plan that can move their dreams to DONE!

 

Forward - Funding the Life I Want

Developed for Adult Learners

Forward's intended outcome is to empower economically vulnerable adults with the knowledge and skills to enhance their financial stability.

In the second Forward module, participants equip themselves with the tools they need to fund the goals they set in the Envisioning session. Each participant creates a personal savings plan with a savings goal, amount to save per month, and ways to increase cash and reduce expenses to generate money to save.

Forward - Managing the Life I Want

Developed for Adult Learners

Forward's intended outcome is to empower economically vulnerable adults with the knowledge and skills to enhance their financial stability.

In the third Forward module, participants practice reading a pay stub and explore different options for receiving income and benefits. They explore wage garnishments and how to get their wage garnishment questions answered. Participants complete income and spending trackers to record and analyze their personal income and expenses as a way to improve their financial stability.

 

Forward - Living the Life I Want

Developed for Adult Learners

Forward's intended outcome is to empower economically vulnerable adults with the knowledge and skills to enhance their financial stability.

In the fourth Forward module, participants explore ways to prioritize their bills when cash is short. They complete a needs assessment to identify their most important bills, focusing on protecting their job, shelter, insurance premiums, and financial status. Participants complete the session by developing a cash flow budget that aligns with the timing of their income and expenses. This adaptation of the traditional monthly budget to better fit one's personal circumstances can help reduce stress and enhance financial well-being.

"I learned that financial goals are a good thing for people to have. I made a short-term goal of getting a new car once I graduate and a long-term goal of owning a home." - Student Participant