理財素養8課程系列：了解生活中金錢的重要性

 In the first session, students will begin to understand money matters as an essential life skill and how it impacts all areas of our life.

Topics include:

What exactly is “financial literacy”? Overview of components of personal finance and how we will explore topics over the series.

Learning from others: getting in front of common financial mistakes, regrets. Common pitfalls to avoid.

The expert myth, motivation for financial personal responsibility. 

 In this session, students will learn about the #1 money mistake people make.

Topics include:

The impact of consumer culture on spending habits and debt levels.

A discussion of emotional vs. rational spending decision-making.

The pressure of social media & the cost of comparing ourselves to others. 

 In this session, students will explore the concept of living within, above and below one’s means.

Topics include:

The realities of the cost of living, gross vs. net income and taxes deducted from our paycheck.

Prioritizing expenses, understanding wants and needs, and the value of spending trade-offs. 

 In this session, students will learn about the power of the monthly budget.

Topics include:

What is a budget? Why is it important? 

Budgeting basics & common challenges/solutions.

Walk through the elements of a monthly budget: step-by-step.

Importance of savings and the emergency fund & paying oneself first.

Overview of basic banking services/apps: saving & checking accounts, debit and credit cards.