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Financial Literacy Exploration

Timothy Sinclair

Tier 1

Lesson Plan

Financial Literacy Exploration

Financial Literacy

This lesson introduces students to the basics of financial literacy, focusing on the importance of balancing present and future financial needs. Through inquiry-based learning, students will explore concepts such as budgeting, saving, and financial decision-making. This lesson is crucial as it equips students with essential skills to manage their finances effectively, preparing them for future financial responsibilities.

Audience

11th & 12th Graders

Time

45 minutes

Approach

Inquiry-Based Learning

Materials

Video: Balance Your Future and Present Self, Worksheet: Financial Literacy Scenarios, Discussion: Financial Decision-Making, Activity: Budgeting Exercise, Quiz: Financial Literacy Basics, Exit Ticket: Reflection on Financial Goals, and Answer Key: Financial Literacy Quiz

Step 1

Introduction

5 mins

  • Begin with a brief introduction to financial literacy and its importance.
  • Show the video Balance Your Future and Present Self to set the context for the lesson.

Step 2

Discussion

10 mins

  • Facilitate a discussion using the provided questions to explore students' current understanding of financial decision-making.
  • Encourage students to share personal experiences or thoughts on managing finances.

Step 3

Worksheet Activity

10 mins

  • Distribute the 'Financial Literacy Scenarios' worksheet.
  • Have students work individually or in pairs to complete the scenarios, applying financial concepts discussed.

Step 4

Budgeting Exercise

10 mins

  • Conduct a budgeting exercise where students create a simple budget based on a hypothetical income.
  • Guide them through the process of allocating funds for necessities, savings, and leisure.

Step 5

Quiz

5 mins

  • Administer the 'Financial Literacy Basics' quiz to assess students' understanding of key concepts.
  • Collect the quizzes for grading.

Step 6

Closure and Exit Ticket

5 mins

  • Conclude the lesson by discussing the importance of setting financial goals.
  • Have students complete the exit ticket reflecting on their personal financial goals and what they learned.
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Discussion

Financial Decision-Making

This discussion will help students explore their understanding of financial decision-making and its impact on their lives.

What are some financial decisions you make regularly?

Encourage students to think about daily spending, saving habits, and any budgeting they might do.







How do you prioritize your financial needs and wants?

Discuss the difference between needs and wants and how students can balance them.







Why is it important to plan for future financial needs?

Highlight the benefits of saving and planning for future expenses, such as education or emergencies.







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Worksheet

Financial Literacy Scenarios

This worksheet provides scenarios for students to apply financial literacy concepts, such as budgeting and saving.

Scenario 1: You have a monthly income of $500. How would you allocate this income to cover your expenses, savings, and leisure activities?








Scenario 2: You want to save for a new laptop costing $1000. How would you plan your savings over the next year?








Scenario 3: You receive an unexpected gift of $200. How would you decide to use this money?








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Quiz

Financial Literacy Basics

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Answer Key

Financial Literacy Quiz Answer Key

This answer key provides the correct answers and explanations for the Financial Literacy Basics quiz.

What is a budget?

A plan for spending and saving money
A budget is a financial plan that helps individuals manage their income and expenses.

Why is it important to save money?

To have funds for emergencies
Saving money provides financial security and helps cover unexpected expenses.

What is the difference between a need and a want?

A need is essential, a want is a desire
Needs are essential for survival, while wants are additional desires.

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