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Money Smart for Young People Series

Money Smart for Grades 6 - 8

This page provides details on the lessons that comprise Money Smart for Grades 6 - 8.

The first table helps you find lessons that align with key financial topics as defined through the My Money Five ( The second table illustrates the topic and learning objectives for each of the lessons.

Theme Corresponding Lesson
  • Lesson 1 (Career and Job Opportunities)
  • Lesson 2 (Introduction to Taxes)
  • Lesson 4 (Smart Shopping)
  • Lesson 5 (Cash Flow and Budgeting)
  • Lesson 12 (Personal Choices)
Save and Invest
  • Lesson 3 (Financial Goals)
  • Lesson 5 (Cash Flow and Budgeting)
  • Lesson 6 (The Importance of Saving)
  • Lesson 7 (Savings Options)
  • Lesson 8 (Investing Options)
  • Lesson 12 (Personal Financial Choices)
  • Lesson 9 (Credit and Debt)
  • Lesson 10 (Protecting Your Identity)
  • Lesson 11 (Financial Risk)

Lessons at a Glance

Lesson Number Lesson Title Topic Learning Objectives
1 The Path to Success Career and Job Opportunities
  • Identify and assess the skills and experience needed for a variety of careers
  • Examine the impact of education and other opportunities like internships on career trajectory
  • Create a path for advancing in a career field
2 Bread and Butter Introduction to Taxes
  • Understand and explain the purpose of federal income and state tax and how it affects personal income.
  • Apply mathematical skills and concepts to tax brackets and personal income
  • Describe and evaluate the importance of the current federal income tax system
3 Designing Dreams Financial Goals
  • Identify and explain needs and wants
  • Identify their own financial values and apply those values to their financial goals
  • Create a financial goal and develop the process to achieve it, factoring in possible barriers to that goal
  • Understand an explain the importance of creating financial goals
4 Being a Savvy Shopper Smart Shopping
  • Consider the role of needs and wants in decision making
  • Evaluate the credibility and motivation of marketing and advertising
  • Distinguish the best value of goods and services
  • Define and apply opportunity cost to purchases
5 Go with the Flow Cash Flow and Budgeting
  • Explain the purpose and value of budgeting
  • Explain the budget categories: fixed expenses, variable expenses, and discretionary expenses
  • Create a budget accouting for income, expenses, and unexpected scenarios
6 Super Savers The Importance of Saving
  • Understand and explain the importance of saving money
  • Evaluate methods for saving money, both for a scenario and in their own lives
7 How to Stash Your Cash Savings Options
  • Evaluate and differentiate a variety of banking and savings options
  • Identify the benefits of creating a savings account
  • Understand compound interest and how it can increase savings
8 Money Doesn’t Grow on Trees Investing Options
  • Understand investment growth, losses, reward, and risk by developing and tracking a stock portfolio
  • Demonstrate a general understanding of investment vehicles, like bonds, stocks, and mutual funds
  • Create investment tips for an adult audience
9 Give Credit Where Credit Is Due Credit and Debt
  • Understand how to build credit and practices that may hurt credit
  • Identify the economic benefits of good credit
  • Discuss the consequences of debt
10 Protecting Yourself Protecting Your Identity
  • Create a trifold informative brochure on identity theft and prevention methods
  • Apply information about identity theft and prevention in realistic role-plays
11 Risky Business Financial Risk
  • Identify methods to protect oneself from unwanted financial risk
  • Create a risk management plan for a purchase
12 Spend, Save, or Give? Personal Financial Choices
  • Create a balanced budget that takes into consideration spending, saving, and giving
  • Analyze personal decision making when crafting a budget

Return to the previous page to learn more or download the curriculum.