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Money Expert: Dive into Personal Finance!
Join Charlie the Crappie as students explore money management basics, including Earning, Spending, Saving, Investing, and Donating. They'll assess their financial skills, engage in hands-on projects like budgeting and comparison shopping, and stay updated by researching current financial news, connecting real-world issues to their personal finances.
0 Money Expert💵 Earning! 💵
In this lesson, students will explore the basics of earning money, including the differences between chores, jobs, and careers. They'll learn key earning terms like income, wage, salary, and commission, and how taxes affect their earnings. Through fun activities like discovering their money personality, interviewing others, and role-playing real-life scenarios, students will connect these financial concepts to their own experiences and develop money management skills.
1 Earning NotesYour Paycheck! ✉️
In this lesson, students will learn about taxes, federal withholding, and garnishment. They’ll explore how their paycheck is affected by taxes like Social Security and Medicare and understand where their tax money goes. Students will also learn ways to avoid garnishment and create a PSA about how taxes are spent. Through matching activities and analyzing paychecks, they’ll gain a better understanding of their finances.
2 Your PaycheckLife 👶 Death 💀 & Taxes 🗽
In this lesson, students will learn about taxes and how they connect to earning income. They’ll explore earned and unearned income, research how education impacts future pay, and understand inflation's effect on the cost of living. Students will also reflect on their personal experiences with taxes and how government spending affects their lives. By researching historical data and career paths, students will gain insight into how education and inflation shape financial opportunities.
💸 Spending! 💸
Students dive into the world of expenses and learn how a budget helps manage them. They’ll explore fixed expenses, variable expenses, and occasional expenses, along with the difference between planned spending and unplanned spending. Through activities like analyzing common monthly costs, practicing with a $200 spending challenge, and reflecting on the impact of unemployment, students will learn to prioritize needs over wants and develop smart spending strategies.
4 Spending🍎 Comparison Shopping 🍊
Students explore how supply and demand shape prices and how to make smart purchasing decisions. They’ll learn key terms like scarcity, equilibrium, surplus, and shortage, and see how these concepts influence what we pay for goods and services. Through activities like comparing hyped vs. affordable products, investigating brand value, and playing CentCity, students will analyze real-world price changes, practice budgeting, and discover how a few extra minutes of research can lead to better buying choices.
5 Comparison Shopping🤑 Spend My Friend Project 💻
Students learn how to create and manage a budget, exploring how income, expenses, and opportunity cost influence spending decisions. They’ll discover different payment methods such as digital wallets, prepaid cards, P2P payments, and gift cards, and investigate the costs of everyday items—from small purchases to big-ticket dreams. Through interactive activities like comparing purchases, tracking spending habits, and exploring cryptocurrency prices, students will connect financial concepts to real-world choices and practice making informed money decisions.
🏦 Saving 💵
Students will explore the importance of setting financial goals and learn how to save through offensive saving (planning for a specific goal) and defensive saving (preparing for emergencies). They’ll connect these strategies to real-life situations by examining opportunity cost, analyzing historical savings trends, and comparing different savings plans like the 50/30/20 Rule. Through activities, discussions, and goal-setting exercises, students will develop personalized methods for building their savings.
7 SavingsInvesting 8-1 - Investors in financial assets expect an increase in value over time (capital gain) and/ or receipt of regular income, such as interest or dividends.
Investing 8-2 - Common types of financial assets include certificates of deposit (CDs), stocks, bonds, mutual funds, and real estate.
8 Investing📱 Fintech Apps 📡
Students will explore how FinTech apps—programs that allow users to manage money through a phone or computer—are transforming saving, budgeting, and investing. They’ll research popular options like Acorns, EveryDollar, PocketGuard, YNAB, Cash App, Venmo, and Square, comparing their features and costs. Through discussion and reflection, students will evaluate how these tools could improve their own financial habits and decision-making.
🤲 Donating 🧸
In this lesson, students will learn about the difference between nonprofits and charities, and how donations help organizations achieve their missions. They’ll explore how charities earn money, spend funds on programs, administration, and fundraising, and why it’s important to research charities before donating. Through activities like investigating real charities and using tools like Charity Navigator, students will connect giving with making smart financial choices and supporting causes they care about.
9 Donating📓 Money Expert Review
In this lesson, students will review key concepts of earning, spending, saving, and donating money through a vocabulary refresher and interactive activities. They’ll play the Money Management Fishbowl Game to reinforce learning and set personal goals for their final test. After taking the test, students will reflect on their results and plan next steps for continued growth in money management skills.
10 Money Expert ReviewTo Access the Major Test: Request Copy
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