청소년을 위한 금융 지식 - 실생활 기술 - 어른이 되는 법 101

Embark on a comprehensive journey with our all-inclusive package! Dive into the world of finances, earning, saving, and investing while navigating through real-life adult scenarios in this engaging and interactive course.

Financial literacy, the cornerstone of this program, empowers individuals with the essential skills to manage and invest money effectively.

Throughout this weekly class, students will be immersed in practical money situations, mastering the intricacies of personal finance including saving, budgeting, bill payment, income generation, and investment strategies. In today's complex financial landscape, understanding both the opportunities and pitfalls is crucial. Our curriculum addresses this by equipping students with the tools to navigate financial systems, avoid scams, and make informed spending decisions.

Through hands-on activities, students will simulate real-world financial scenarios, managing virtual checking, savings, and credit card accounts, practicing timely bill payment, and making wise spending choices. Reflecting on my own experience and that of many adults, I recognize the gap in financial education provided in traditional schooling. This program aims to bridge that gap, empowering students with the knowledge and skills they need for financial success.

I am thrilled to introduce this transformative and interactive tool into our classroom, paving the way for a brighter, financially literate future for all our students. Let's embark on this journey together and unlock the doors to financial empowerment!"

We will begin each lesson with an introduction to the weekly topic, have a classroom discussion and then work within the simulation program. 

C L A S S   S C H E D U L E

FINANCIAL LITERACY UNITS
Unit 1:   Unit Introduction - Budgeting, Saving, and Spending
Unit 2:  Introduction to Investing
Unit 3:  Credit Cards and Debt
Unit 4:  Employment and Income
Unit 5:  Financial Risks and Insurance
Supplement Topic:  Starting your Own Business
Supplement Topic:  Bankrutpcy 

C L A S S  S T R U C T U R E
Welcome to Class (5 minutes)
Weekly Financial Report (5 minutes)
Weekly Class Topic (20minutes)
Financial Lab Simulation (15 minutes)


🌟S T A R T I N G     S E P T E M B E R  2 0 2 4🌟

🚩 2024 - 2025  F U L L  Y E A R  C O U R S E  T O P I C S   S C H E D U L E 🚩
Topics rotate but students may join at anytime.

G E T T I N G   S T A R T E D (New enrolled students should complete these assignments in the simulation) 
Topic 1:  Introduction of Budget Simulation - Budget Game Actions
📝Assignment: Watch Video - Budget Game Overview
📝Assignment: Watch Video - Credit Score Tutorial
📝Assignment: Watch Video - Net Worth
📝Assignment: Watch Video - Quality of Life
📝Assignment: Watch Video - Savings Goals
📝Assignment: Watch Video - Your Weekend Choice
📝Assignment: Budget Game - Study
📝Assignment: Budget Game - Transfer Money
📝Assignment: Budget Game - Earn More Money
📝Assignment: Budget Game - Household
📝Assignment: Budget Game - Socialize
📝Assignment: Budget Game - Credit Card Purchase
📝Assignment: Budget Game - Credit Card Payment
📝Assignment: Budget Game - Complete a Full Month

Week of December 15: Budget Adjustments
Week of December 22: Tracking Expenses & Emergency Funds
Week of December 29: Financial Literacy Game Day

SCHEDULE STARTING - 2025 JANUARY

U N I T  2:  I N V E S T I N G
Week of January 5: Introduction to Investing and Understanding Financial Risks
Week of January 12: Financial Planning, Investment Goals, and Investing Overview
Week of January 19: How the Stock Market Works, Introduction to Stocks, and Understanding Stock Quotes
Week of January 26: Financial Literacy Game Day
Week of February 2: Stock Market Terms, Stock Market Games, and Researching Stocks
Week of February 9: Company Research, Financial News, and Using Financial Reports
Week of February 16: Evaluating Investment Strategies, Types of Securities, and Mutual Funds
Week of February 23: Financial Literacy Game Day
Week of March 1: Bonds, ETFs, and Real Estate Investments
Week of March 8: Managing a Portfolio, Diversification, and Risk Management
Week of March 15: Portfolio Review, Investment Tools, and Business Cycle
Week of March 22: Economic Indicators, Impact on Investments, and Market Trends
Week of March 29: Financial Literacy Game Day

UNIT 3:  CREDIT CARDS AND DEBT
Week of April 1: Introduction to Credit, Credit Cards vs. Debit Cards, and Credit Reports
Week of April 8: Credit Scores, Building Credit, and Buying a Car
Week of April 15: Car Loans, Loan Terms, and Comparing Car Prices
Week of April 22: Budgeting for a Car, Types of Loans, and Loan Application Process
Week of April 29: Financial Literacy Game Day
Week of May 6: Interest Rates, Repayment Plans, and Loan Management
Week of May 13: Using Credit Cards, Credit Card Fees, and Credit Card Rewards
Week of May 20: Credit Report Monitoring, Managing Debt, and Debt Consolidation
Week of May 27: Financial Literacy Game Day

UNIT 4:  EMPLOYMENT AND INCOME
Week of June 3: Career Planning and Income Types
Week of June 10: Employment Rights and Job Opportunities
Week of June 17: Earning Money and Using a Bank
Week of June 24: Financial Literacy Game Day
Week of July 1: Opening a Savings Account and Understanding Bank Fees
Week of July 8: Bank Statements and Online Banking
Week of July 15: Introduction to Taxes and Income Tax
Week of July 22: Tax Deductions and Filing Taxes
Week of July 29: Financial Literacy Game Day

UNIT 5: FINANCIAL RISKS AND INSURANCE
Week of August 5: Introduction to Insurance, Health Insurance, and Life Insurance
Week of August 12: Property Insurance, Insurance Terms, and Liability Insurance
Week of August 19: Auto Insurance, Homeowners Insurance, and Renters Insurance
Week of August 26: Financial Literacy Game Day
Week of September 2: Insurance Claims, Health Insurance Plans, and Life Insurance Policies
Week of September 9: Disability Insurance, Long-Term Care Insurance, and Beneficiaries
Week of September 16: Financial Decision Making, Avoiding Scams, and Financial Ethics
Week of September 23: Protecting Personal Information, Financial Safety Nets, and Financial Records
Week of September 30: Financial Literacy Game Day


UNIT 1- BUDGETING AND SPENDING PLANS
Week of October 7: Introduction to Budgeting, Budgeting Basics, and Setting Financial Goals
Week of October 14: Personal Finance Apps, Creating a Simple Budget, and Understanding Money
Week of October 21: Understanding Coins and Bills, Income Sources, and Financial Vocabulary
Week of October 28: Personal Finance Lab Budget Game
Week of November 4: Basic Math Skills for Finance, Saving Money, and Spending Wisely
Week of November 11: Needs vs. Wants, Spending Plans, and Savings Goals
Week of November 18: Maintaining a Budget, Budget Adjustments, and Tracking Expenses
Week of November 25: Financial Literacy Game Day
Week of December 2: Emergency Funds, Responsible Spending, and Researching Purchases
Week of December 9: Price Comparisons, Shopping Wisely, and Understanding Discounts
Week of December 16: Long-Term Savings, Simple Interest, and Future Planning
Week of December 23: Financial Literacy Game Day

U N I T S  -  L E A R N I N G  G O A L S - T O P I C S 

Unit 1:  Budgeting and Spending Plans
In this lesson we will be learning about both budgets and spending plans.  
We will be able to tell what the different parts of each are and when to use either.  
We will be looking at other peoples’ budgets and saving plans to evaluate how to create one.  
We will leave with the tools and the skills to create our own personal budget and spending plan.
Lesson 1.1: Introduction to Budgeting
Lesson 1.2: Understanding Money & Wealth
Lesson 1.3: Spending and Savings Plan
Lesson 1.4: Maintaining a Budget
Lesson 1.5: Researching Purchases
Lesson 1.6:  Long-Term Savings
Lesson 1.7:  Buying a Home

By the end of the unit, students should be able to...
• Define budget and spending plan
• Identify parts of a budget and spending plan
• Create a personal and family budget
• Allocate funds into different sub categories

Unit 2:  Investing
In this lesson we will be learning about the basics of investing. 
We will learn about different types of investments such as stocks, mutual funds and bonds.  
We will assess the different risks that come with each type of investment and determine when it is a good idea to invest.  
We will learn the importance of researching companies and investing based on what we know. 
We will learn how to identify our financial goals and how to create an investment portfolio that works toward them.
Lesson 2.1: Intro to Investing
Lesson 2.2:  How the Stock Market Works
Lesson 2.3:  How to Research Stocks
Lesson 2.4:  Different Types of Securities
Lesson 2.5:  How to Manage Your Portfolio
Lesson 2.6:  Business Cycle
Lesson 2.7:  Investing Overview
Lesson 2.8:  Supplements

Students will progress through Assignments and Assessments as part of the PersonalFinanceLab curriculum library,  and begin building their portfolio in the PersonalFinanceLab Stock Game. Students will continue to progress through the PersonalFinanceLab Budgeting Game.

By the end of the lesson, students will:
● Understand the basics of how to grow their wealth
● Identify various scams
● Understand the importance of not falling victim to a scam
● Protect themselves from financial scams


Unit 3:  Credit Cards and Debt
In this lesson we will learn about the basics of what a credit card is and the different responsibilities that come with owning a credit card. 
We will learn about what both a credit report and credit score are and the impact they have on someone's finances.  
We will be able to define key terms such as credit score and credit report. 
We will be able to determine different events that either improve or harm someone's credit. 
We will understand the purpose of a credit card and the responsibilities that come with owning a credit card.

Lesson 3.1 - Intro to Credit
Lesson 3.2 - Buying a Car
Lesson 3.3 - Other Types of Loans
Lesson 3.4 - Credit Cards and Credit Reports
Lesson 3.5 - Managing Debt
Lesson 3.6 - Mid-Way Projects - Simulation Review

By the end of the lesson, students will:
● Define key terms such as credit score and credit report.
● Determine different events that either improve or harm someone's credit.
● Understand the purpose of a credit card.
● Understand the responsibilities that come with owning a credit card.
● Be able to implicitly and explicitly think about situations that will either improve
or harm their credit and explain why.


Unit 4:  Employment and Income
In this lesson we will be learning about both income, compensation and employment.  
We will learn about the difference between direct and indirect compensation. 
We will have a basic understanding of income tax and the different ways of filing their taxes. 
We will learn some best practices for starting their career. 
We will learn about the importance of saving for retirement.

Lesson 4.1 - Career & Income
Lesson 4.2 - Intro to Bank Accounts 
Lesson 4.3 - Intro to Taxes
Lesson 4.4 - Starting Your Career
Lesson 4.5 - Building & Sharing Wealth
Lesson 4.6 - Responsible Income & Spending Behaviors

By the end of the lesson, students will:
● Define different types of income
● Understand consumer and employment rights and responsibilities
● Understand debit cards and bank accounts
● Have a basic understanding of income tax
● Know how to develop a career plan that supports their long-term financial goals


Unit 5:  Financial Risks and Insurance
In this lesson we will be learning about financial decision making. 
● We will learn how to protect ourselves against fraud and financial scams. 
● We will learn the importance of mitigating financial  risks. 
● We will be able to identify common types of risks and basic risk management methods. 
● We will learn the basics of insurance. 

Lesson 5.1 - Insurance Basics
Lesson 5.2 - Liability Insurance
Lesson 5.3 - Health and Life Insurance
Lesson 5.4 - Financial Decision Making
Lesson 5.5 - Managing Financial Records
Lesson 5.6 - Life After Graduation

By the end of the lesson, students will:
● Understand the concept of opportunity cost when making financial decisions
● Understand the financial risks of investing their money
● Understand the importance of insurance to mitigate risk

Bankruptcy
If you are severely behind on your bills and all other debt management plans have failed, the last option available is declaring bankruptcy.

Starting a Business
Building the next “big thing”. Being your own boss. Getting the full rewards for your work. There are a lot of reasons to start a business, but taking the plunge is a step entrepreneurs have to face if they plan on striking out on their own

Students will each start the simulation as a part-time employee, goiong to college full-time.  Then the students will have to pay bills, like adults do in real life. With your left over money, you can purchase experiences or items.  This class is highly interactive simulating real life as adults making financial decisions.  Students will learn they are free to choose what to with the money they earn but not free from the consequences of their choice, whether it is positive or negative result.


NOTE TO PARENTS:  This is an interactive classroom, with guidance from teacher.  Students will have the opportunity to interact, socialize while learning to becoming financial responsible with their choices.  
Additional Topics will be added.

Notice: Educational Content Only

This course is crafted purely for learning purposes and is not a source of financial, investment, tax, or legal guidance. Through lessons and a stock market simulation program, the instructor aims to teach students about market dynamics, investment concepts, and economic theories. No advice is given on specific investments or financial actions.

Participation in the stock market simulation or any real-world trading with actual money is entirely the choice of students and their guardians. Success is not promised, and all financial activities carry inherent risks. Students are encouraged to investigate thoroughly and consult a certified financial advisor before pursuing any real investment opportunities.

By joining this course, you recognize that the instructor and course organizers are not accountable for any financial consequences arising from decisions you make based on the educational material or simulation experience.