Elementary Program

This elementary financial literacy program is intended to familiarize students in grades four through six with personal money management skills through interactive study and play. The classroom becomes a microcosm of the larger adult world in which economic activity occurs. Both Math and Social Studies/Economics are integrated. Economic responsibilities of individuals, financial institution representatives, and business owners are addressed during this long-term simulation. Many of the concepts introduced and reinforced are presented at a basic level and pertain to income, expenditures, and the production and distribution of goods and services.

In addition this program allows for expansion into a more imaginative financial area, that being the creation and operation of a business.

It is suggested that the entire unit run for nine to ten weeks, but it can be scaled to fit the time constraints of the school or youth organization conducting the program. An auction, in which students use their total end-of-unit savings is suggested as an incentive and culminating activity.

Sections:

  1. INTRODUCTION
  2. BEGIN OPERATIONS
  3. ESTABLISHING BUSINESSES
  4. CALCULATING INTEREST
  5. ONGOING OPERATIONS
  6. IDENTIFYING AND COUNTING CURRENCY
  7. AUCTION ACTIONS

Middle school Program

Students will learn about the benefits and problems of personal financial decisions in the context of career choices they make. Students Will be exposed to various career choices through a process of self reflection of interests and aptitudes. Typical incomes and work conditions of a career are explored. Once a student has a clear idea of the finances to be managed in their chosen career they will be involved in real life financial activities. An understanding of the role of savings and investing is also included at the conclusion of the unit students will participate in a Financial Education Fair. At the Fair, students undergo a process of determining their personal expenses. These include housing, transportation, entertainment, and food among many others. Fair activities provided are driven by these objectives.

A CU 4 Reality™ Financial Literacy Fair is held as a culminating interactive activity and student assessment.

High school Program

This high school financial literacy program is intended to familiarize and teach students in grades nine through twelve personal money management skills by applying direct instruction and interactive activities designed to simulate the adult world of personal and family finance. Information and context is provided to assist students in knowing how to earn money followed by how to practice stewardship of their finances. To provide students with a base of knowledge and skill in the establishment, growth, and management of personal wealth is to provide the next generation with the tools they need to benefit themselves and their communities for the long term.

Sections:

  1. PERSONAL CAREER DEVELOPMENT
  2. SAVINGS, BUDGETING, AND TAX MANAGEMENT
  3. INVESTING AND RETIREMENT PLANNING
  4. CREDIT CARDS AND CONSUMER LOANS
  5. RISK MANAGEMENT AND INSURANCE POLICIES

A CU 4 Reality™ Financial Literacy Fair is held as a culminating interactive activity and student assessment.