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Financial Literacy Helps to Build A Strong Foundation for Healthy Financial Habits in the Future

Young Adult Program

Setting goals, budgeting, saving, spending, borrowing, using credit — these are just a few types of knowledge, skills and behaviors people need to manage their resources effectively. It also takes 21st century skills such as research, analysis, and problem solving to make good financial decisions.

Each of the 22 lessons takes learners through the financial decisions that face young adults. As you complete each lesson, you will be evaluating current knowledge or gained knowledge learned through the content and activities.

Launch Young Adult Program

Lessons Overview

Lesson	Lesson Title	Lesson Topic	Learning Objective(s)
1	Working Hard for the Money	Career Options	Identify career options and education or training required for different careers
2	Designing Dreams	Financial Planning	Determine personal values and financial goals
3	Can You Pay Your Bills?	Spending and Budgeting	Develop a plan for spending and saving
4	Boost Your Savings	The Importance of Saving	Describe how savings affects financial well-being
5	Bank Your Bucks	Choosing a Banking Partner	Analyze different financial institutions and conduct a comparative analysis of each institution
6	Bread-and-Butter	Managing Your Paycheck	Decode and identify elements of a paycheck
7	Capacity, Character, Collateral, Capital	Credit	Define creditworthiness
8	The Almighty Dollar?	Credit Cards	Understand credit card offers and how to manage a credit card
9	As Easy as Pi	Financial Ratios	Demonstrate and explain how to calculate financial ratios
10	Convertible or Clunker?	Automobile Purchase	Evaluate long-term costs associated with buying a car, including insurance and maintenance
11	Risky Business	Risk Management and Insurance	Understand the purpose and importance of various insurance types
12	Halls of Knowledge	Financing College or Trade School	Understand the earning potential of a degree in relationship to its cost
13	The Policy of Personal Choice	Understanding the Economy	Understand how the economy impacts personal financial choices
14	Increasing the Value of Your Money	Financial Markets and Investing	Understand how investing helps meet financial goals and build wealth over time
15	Road to Retirement	Retirement Planning	Understand how long-term retirement savings through investing builds wealth
16	Crash Pad	Homeownership and Renting	Understand the responsibilities and expenses of renting versus owning
17	Pocket Giving	Charitable Giving	Analyze monetary and nonmonetary forms of giving
18	Paving the Future	Estate Planning	Identify elements of an estate plan
19	Financial Sleuth	Financial Resources	Demonstrate how to find and use financial resources
20	Protect Yourself	Consumer Protection	Evaluate consumer rights and protection laws
21	Launching Your Dream	Entrepreneurship 1: Starting a Business	Identify and consider risks and rewards of entrepreneurship
22	Maintenance Mode	Entrepreneurship 2: Maintaining a Business	Understand and describe tax planning and reports

 

Games

Theme	Game	Takeaways
Earn	Your Income and Expenses Game	This game can help you track and understand your income (money coming in) and expenses (money going out).
Spend	Making Housing Decisions Game	This game can help you explore options when making housing decisions.
	Your Money Values and Influences Game	This game can help you understand your values and how they influence your financial decisions.
	Your Spending and Saving Plan Game	This game can help you use information about your income and expenses to develop a spending and saving plan.
Save	Building Your Financial Future Game	This game can help you create plans to build assets for a solid financial future.
	You Can Bank On It Game	This game covers banking services and can help you build a positive relationship with a financial institution.
	Your Savings Game	This game can help you save money for your goals, large purchases, and unexpected expenses.
Borrow	Borrowing Basics Game	This game can help you understand options for borrowing money and what they cost.
	Buying a Home Game	This game can help you get ready to own a home, finance the purchase, and move forward with buying a home.
	Credit Reports and Scores Game	This game can help you understand, access, and improve your credit reports and scores.
	Managing Debt Game	This game can help you understand what debt is and how to manage it.
	Using Credit Cards Game	This game can help you understand how credit cards work and how to manage a credit card.
Protect	Disasters - Financial Preparation and Recovery Game	This game can help you prepare financially for potential disasters and recover financially more quickly after a disaster.
	Protecting Your Identity and Other Assets Game	This game can help you understand how to protect your identity and other assets.
Invest	Stock Market Game	The Stock Market Game introduces young people to saving and investing through a simulation of the stock market and bond market. Students get to trade and manage their own virtual $100,000 investment portfolio.

 

Advancing Communities With Financial Literacy