F.P.F.

  • FPF is designed to equip students to confidently discuss money issues and plan for their own financial future. Students will learn how to avoid debt, develop a monthly budget and discover the power of savings and Compound interest. Being an informed consumer, home ownership, the role of insurance and the importance of having an emergency fund are also central to the course. Additionally, we will help students identify and strengthen critical work skills and provide them with sound financial principles that will guide them into adulthood.

                                                                                                                           Prerequisite: Grades 11 & 12

Important Considerations

  • You will enjoy this class more than you might think! It's real life and will get you thinking. You you will use what you learn in this class. Keep in mind that we use materials designed for public school use by the organization founded by nationally syndicated radio host and financial expert Dave Ramsey. Mr. Ramsey is financially very conservative and will encourage you to avoid debt at all costs. Both Dave and I will advise you to handle your current and future finances in a specific way. This teaching however, is meant to be a guideline and should not be used in any way to disrespect parents and how they might view money and its role in their lives. We strongly encourage you to discuss financial issues with your parents but don't ever tell them how to spend their money! KIDS...This is sound advice:)

     

     

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Book Assignments

  • We will read 2 books this semester: The Compound Effect by Darren Hardy and The Go-Giver by Bob Burg. Books will be read in class. Plan to read at least 1 chapter a day. They are short and engaging. Answer the reflection questions at the end of each chapter and turn in your answers to the crate. 

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Lesson Plans

  • 1/20 & 1/21

    TOD/QOD

    Seating chart

    Phone rules

    Discuss: History of this class 

    Handout books        

    REMIND Codes** 

    **Lab 206: EverFi sign up (survey) 

    Kahoot: What is personal finance?   

    Define: balance, principal, interest

    Credit card activity + Terms   

          Worksheet:  Front     Back

    Handout: Grading procedures  

    ABC brainstorming of financial terms 

            

    1/22 & 1/23  (80 min)

    TOD and QOD  

    Take the Pre-test

    Small groups: Brainstorm and discuss expenses vs debts?   

    Video: Getting started (3 min)

    Text: Before you begin/Measure your progress

    EverFi signup for those absent...will need next class!

    Assign: Parent Interview  

     

    1/24 & 1/27 

    TOD/QOD     

    Collect: Parent Interviews (discuss)

    Show the website

    $1680 Budget 

    "How do you want to live?"

    Video Ch.1 Part [1.1] (13 min)   

    Birthday Line up

    Video: Ch 1 Part [2.1] (15 min)  

    Discuss: The Go-Giver  (Forward & Intro)

                 Read: The Go-Giver ch. 1 

     

    1/28 & 1/29 (80 min)

    TOD/QOD    

    168 Time Budget

    Dice Activity

    Group activity: Game of Chance

    Video: Ch 1 Part [3.1] (14 min) 

    Assign: Ch Summary and Review p. 24-27

    Read: The Go-Giver ch. 2 

     

    1/30 & 1/31                     

    TOD/QOD    

    Discuss: The 7 Baby Steps (take notes) 

    Go over Ch 1 Summary and Review     

                Check it!                                   

    Test: Chapter 1                                    

    Read: The Go-Giver ch. 3

    Assign: (Chapter 2) Before you begin & Measure your progress

    Video: Ch 2 Part [1.1] (15 min) 

     

    2/3 & 2/4

    TOD/QOD    

    **(1st half) Lab 206: EverFi Module #1 (Banking Basics)

    Read: The Go-Giver ch. 4 

    Exit Quiz: Go-Giver

    Video: Ch 2 Part [2.1] (9 min.)  

     

    2/5 & 2/6 (80 min)

    TOD/QOD  

    Kahoot: Baby Steps/Five Foundations  

    Discuss: Cash for college!     -and-  EverFi modules can be re-done

    Video: Ch 2 Part [2.2] (11 min.)  

    Assign: Savings by Nation

    Read: The Go-Giver ch. 5

    Exit Quiz: Reasons for saving & 5 foundations (8 pts)  

     

    2/7 & 2/10

    TOD/QOD   

    Video: Ch 2 part  [2.3] (7 min.)

    Discuss: Ben & Arthur example 

    Teach & Discuss: Compound interest 

    Assign: Compound Interest worksheet    

    Show investor.gov compound interest calculator  

     

    2/11 & 2/12 (80 min) 

    TOD/QOD   

    Entry Quiz: Compound Interest

    Video: Ch 2 part  [3.1] (13 min.)  

    Assign: Ch. 2 Summary and Review    

    Read: The Go-Giver ch. 6 & 7

    Exit Quiz: What are the 5 foundations and the 7 Baby Steps?? (13 pts)  

                   Bonus: Go-Giver

     

    2/13 & 2/17  

    TOD/QOD 

    Kahoot: The language of money pre-quiz   

    Discuss: Cash for car plan

    Chapter 3 Measure your progress

    Video: Ch 3 Parts  [1.1] (10 min.)

                               [1.2] (6 min)  

    Go over Review 

    Ch 2 Test 

    Read: The Go-Giver ch. 8 & 9 

    Homework: Worksheet: Saving for Your Future 

     

    2/18 & 2/19  (80 min) 

    TOD/QOD  

    Discuss: Chapter 3 Measure your progress

                 Saving for your Future worksheet

    Video: Ch 3 Parts     [2.1] (8 min) 

                                  [3.1] (8 min)

    NB Quiz and Go-Giver Quiz

    Worksheet packet: How to Manage Your Checking Account 

    Check: Ch 2 Review

      

    2/20 & 2/21

    TOD/QOD

    Video: Ch 3 Parts:  [3.2] (13 min) 

                                Fill out: Student Budget Form p. 67

    Worksheet: Balancing Your Checkbook 

    Worksheet 1-6 (Reconciling)  

    Assign: Ch 3 Summary and Review  

    Go over Ch 3 Review     Check it!

    Read: The Go-Giver ch. 10

    Test: Chapter 3 

     

    2/24 & 2/25

    TOD/QOD

    Chapter 5 Before you begin & Measure your progress

    Discuss and Fill in the Blanks: [1.1 & 1.2]

    Video: Ch 5 parts  [2.1] (6 min)

    Video: Ch 5 parts   [3.1] (10 min)  

    Discuss: Budget Project

    Handout: Budget project criteria

                   Instructions: college    full-time work

                   Hand out: Sample college budget 

    Project Due: March 10th at 3:30  

    Lab: Start Project  (2nd half)

    Project samples

     

    2/26 & 2/27  (80 min) 

    TOD/QOD    

    Video: Ch 5 parts  [3.2] (7 min)  

    Discuss: Secondary education options

    Discuss and Fill in the Blanks: [4.1] 

    Show: Rubric and budget sheet

              Save the budget template to your file

    Read: The Go-Giver ch. 11 & 12     

    Lab: Project  (2nd half)

     

    2/28 & 3/2  *SUB*

    TOD/QOD  

    Assign: Ch 5 Review and summary 

    Lab: Project 

    EverFi #6 (Financing Higher Education)

     

    3/3 & 3/4  (80 min) 

    TOD/QOD 

    Lab: Project  (1st Half)

    Correct Ch 5 Review

    Test: Ch 5   

     

    3/5 & 3/6 *SUB*

    TOD/QOD

    Finish the Go-Giver

           *Test next time*

     Lab: Project

    Projects: DUE Next time! 

    EverFi #6 (Financing Higher Education)

     

    3/9 & 3/10

    TOD/QOD

    Lab: Project  (1st Half)

            Finish Project - Due Today

    Test: The Go-Giver

    Read and do: Measure Your Progress

    Video: Ch 8 Parts [1.1] (14 min)    

    Read: Article: I Killed My Daughter's Dream of a Fancy College Education  

     

    3/11 & 3/12  (80 min) 

    TOD/QOD  

    Video: Ch 8 Part  [1.2] (12 min)

    Article: Your Parents' Advice is (kind of) Wrong 

    Discuss article: I Killed My Daughter's Dream of a Fancy College Education 

    Video: Ch 8 Part [2.1] (14 min)  

    Mark Cuban Interview

     

    Please join our Google Classroom with the code: d2q5qwm

    All information regarding our class will now be found there until further notice.

    You can also contact me via email at albertm@hsd3.org or through REMIND.

    Just text @8kee8d to 81010 to join.

     

    3/16 & 3/17

    TOD/QOD 

    Discuss: Earnings potential over time. (A)

    Article: Survey: Today's Students are Skipping College  

    Discuss: Earnings potential over time. (B)

    Discuss: Entrepreneurship & Todd/Rodd story

    ESBI

    Video: Ch 8 Part [2.2] (14 min) 

    The Real Cost of a College Education

                               Article   

    Video: Ch 8 Parts [2.3] (9:00 - 15:00) (6 min) 

    Discuss: US giving trends  

     

    3/18 & 3/19 

    TOD/QOD

    Discuss: My paycheck breakdown  

    Discuss: Money Skills: T.E. pg. 168

    Discuss: Diversification chart pg. 166 

    Discussion: Dave Ramsey's 12%

    Worksheet: Name that Investment

    Worksheet: Stocks vs Mutual Funds

    Video: Ch 8 Parts [3.1] (3:25 - 13:00)  (10 min) 

     

    3/20 & 3/23

    TOD/QOD

    Worksheets: Funding the 401K and Roth IRS's

                       Rule of 72

    Article: The Future of Social Security 

    Assign: Ch. 8 Summary & Review   

    Video of the week: Stock Market

    Discuss article: Seven Surprising Facts About College Students  

                           Article    

     

    3/24 & 3/25

    TOD/QOD 

    Video: Old series Ch 3 Part 1  

    Video: Old series Ch 3 Part 3 (3:15 - 7:55)

    Video: Old series Ch 3 Part 4 (0:00 - 8:20)

    Correct: Ch. 8 Summary & Review  

    Ch 8 Test 

     

     

    End of 3rd Quarter____________________________________

     

    3/26 & 3/27  

    TOD/QOD    

    Video: (OLD) Ch 12 Real Estate

                           Part 5     0:00 - 14:40 (end)

    Ch 12 discussion

    Ch. 12 Test/Ch 12 Money in Review (Take Home Test)

    Exit Quiz (ready to buy a house)

    Discussion: My first house   

     

    4/6 & 4/7

    TOD/QOD 

    Discuss: 2nd Quarter Budget Project

                  Having kids--cost, challenges, positives, etc.

    Before You Begin

    Video: Ch 9 Parts [1.1] (8 min.)

                              [2.1] (8 min.)  

    Show HSD3 Blue Cross Policy  

                  

    11/11 & 11/12

    TOD/QOD 

     

     

     

     

    11/13 & 11/14

    TOD/QOD  

     

     

    11/15 & 11/18  

    TOD/QOD  

     

    Show: Budget Template

    Lab: Budget Project (College costs/job details) 

    Lab: Project (2nd half)

    Project Due: December 5th @ 3:30

     

    11/19 & 11/20 

    TOD/QOD 

     

    Lab: Project (2nd half---A3 1st half

     

    11/21 & 11/22

    TOD/QOD  

     

    Video: Ch 9 Parts [2.2] (10 min.)  

    Lab: Project (2nd Half) 

     

    11/25 & 11/26

    TOD/QOD

     

    Video: Ch 9 Part [2.3] (7 min.) 

    Discuss/Review: 80/20 coverage

                             HSA

                             Stop Loss

    Video: Ch 9 Parts [2.4] (13 min.)

    Lab: Project (2nd half)

    Happy Thanksgiving!

                        

    12/2 & 12/3

    TOD/QOD     

    Lab: Project (1st half)

    Discuss: Comparing Life Ins.

    Video: Ch 9 Parts [3.1] (10 min.)

                              [4.1] (7 min.)

    Assign: Chapter 9 Summary and Review

     

    12/4 & 12/5

    TOD/QOD 

    Lab: Project (1st half)

    Correct Ch 9 Review

    Test: Ch 9  

    Worksheet: Auto Liability Ins.

    Worksheet: Healthplan Overview 

    *PROJECTS are due on Friday the 6th at 3:30!

     

    12/6 (B-Day) 

    HW Check & Make up work

    Handout: What's with the Will?  

    Finish Projects

    EverFi: Finish Entreprenuer Module

     

    12/9 & 12/10

    TOD/QOD  

    Discuss: 2nd Quarter Budget Project

                  Having kids--cost, challenges, positives, etc.

    Measure your progress Ch 4

    Video: Ch 4 Part [1.1] (13 min)

    Video: Ch 4 Parts [1.2] (12 min) 

    Make-up Tests

    Small group discussions: Chore chart                       

                                         10-80-10 money plan 

    Video: Ch 4 Parts [2.1] (12 min)  

     

    12/11 & 12/12 

    TOD/QOD  

     

    Video: Ch 4 Parts [2.2] (8 min)    

    Video: Ch 4 Parts [2.3] (13 min) 

    Display: new car depreciation graphics (discuss)

    Video: Ch 4 Parts [2.4] (9 min)  

    Quiz: Debt (ch 6)

     

    12/13 & 12/16

    TOD/QOD  

    Video: Ch 4 Parts [2.5] (14 min) 

    Worksheet: Hidden Costs of Credit

    Video: Ch 4 Parts [2.6] (13 min)    

    NB Quiz

     

     

    12/17 & 12/18

    TOD/QOD  

    Video: Ch 4 Parts [3.1] (9 min)

    Discuss: Ways to get out of debt

    Worksheet: The Debt Snowball    

    Video: Ch 4 Parts [4.1] (13 min)

    Assign: Ch 4 Summary & Review 

     

     

    12/19 & 12/20

    TOD/QOD  

    Video of the Week: Alexa Von Tobel   

    Correct review

    Test:  Chapter 4

     

    _____________Merry Christmas!_________________

     

    1/2 A & 1/3 *SUB*

    TOD/QOD  

    Worksheet: True Cost to Own

    Read: The Go-Giver ch. 6-8 (finish)

     

    1/6 & 1/7

    TOD/QOD  

    The Expectations Box 

    Chapter 10 Parts: [1.1]  (13 min.)  Optional

                                                           Give answers to blanks.

                               [2.1]  11 min.)

                               [3.1]  (9 min.)

    Discussion: The 5 Love Languages

    Finish: The Go-Giver

    *There is a test on The Go-Giver on the semester test

     

    1/8 & 1/9

    TOD/QOD   

    Show/Discuss: ESBI Cashflow Quadrant

    Kahoot (debt)

    Read story: The Difference between Men and Women

    Worksheet: DISC profile 

    Make up work 

    Ch 10 Summary and Review

    Ch 10 Test 

    Handout: The Credit Score

     

    1/10

    TOD/QOD    

    Play: Grudgeball

    Options:

    Video: Money and the Movies

    Ch 6 videos -OR- You Tube Leadership Videos

    Video: Ch 11 Parts  [1.1]  (3:15 min.)

                                 [1.3] (6:40 min.)                             

                                 [4.1] (first 8 min)

                                 [4.3] (11 min)  

    Two traits employers are looking for

    7 Traits Google is looking for

    Talk about taxes

    Discuss: Social Security handout 

    Game: Financial Salad Bowl         

     

    1/14 -- 1/17

    Finals week

    Term Test

    Fill in the blank Test

    Post Test

    The Go-Giver Test

     

     

    ____________________End of 2nd Semester_______________

     

    Read: The Compound Effect p. AR-9

    Read: The Compound Effect p. 9-22

              Assign: Summary Action Steps (the 4 questions on p. 22)

    Read: The Compound Effect p. 23 - 33

    Read: The Compound Effect p. 33 - 44

     

    Discuss: The Magic Penny & the 3 guys Compound Effect comparison 

     

    Read: The Compound Effect p. 44-54 

             Assign: Summary Action Steps (the 3 questions on p. 54)

    Read: The Compound Effect p. 55-66

    Read: The Compound Effect p. 66 - 83 

    Read: The Compound Effect p. 83 - 92 

              Assign: Summary Action Steps (the 5 questions on p. 92)

    Read: The Compound Effect p. 93-104

    Read: The Compound Effect p. 104-117

              Answer summary questions

    Read: The Compound Effect p. 119-130

     

    Discuss: Compound Effect concepts

     

    Read: The Compound Effect p.130- 140

              Answer summary questions 

    Read: The Compound Effect p.141- 154

    Read: The Compound Effect p.154- 162

                    Answer Ch 6 summary questions 

     

     

     

    5/30 B & 5/31 A

    TOD/QOD  

     

    Entry Quiz: 5 steps to get out of debt

                     5 Foundations

                     3 Criteria for buying  a home 

     

     

     

     

     

     Extra:

    Worksheets: Reading a pay stub

                        Filing Taxes Activity

    Video: Ch 12 Parts [1.1] (5 min)

                                 [2.1] (10 min.)

                                 [3.1] (14 min.)

                                 [4.1] (12 min)

     Read and do: p. 224-225 

     

     

    Teach: S.C.E.N.E. acronym

     

     

    Before You Begin: Ch 6

    Read terms

    Video: Ch 6 parts [1.1] (7 m in)

    Video: Ch 6 parts  [1.2] (10 min)

                               [1.3] (10 min)

    Worksheet: Opportunity Cost

     Worksheet: On campus vs off campus

    Assign: 0% Down for 24 months  

     

    TOD/QOD

    Video: Ch 6 parts [1.4] (9 min)

                               [2.1] (9 min)

                               [3.1] (14 min) 

    Ch 6 summary & review 

    NB Quiz

    Worksheet: Calculating Net Worth 

    YouTube: Simon Sinek (Millennials) if time

     

    Activity: Take a Stand   (A3) 

     

    Worksheet: Calculating New Payment

    Worksheets: Impact of Daily Decisions

     

    Video: Drive Free 

    Discuss: The True Cost of Ownership

     

    Discuss: FPF poster pic ideas 

    Poster: Consequences of debt/Benefits of debt free    

     

    Worksheet: Making the Minimum