What This Program Teaches:
Financial Literacy (100%)
JA Personal Finance Blended Model consists of eight 45-minute sessions with Additional Opportunities offered throughout. The program has two implementation options—basic or advanced.
– Basic implementation includes Sessions One–Five delivered by the volunteer.
– Advanced implementation includes Sessions One–Five delivered by the volunteer and Sessions Six–Eight delivered by the teacher or volunteer.
Basic or advanced implementation depends on educator requirements and correlations to local standards. Contact your local JA Area staff to find out which implementation will be used.
All JA programs are designed to support the skills and competencies identified by the Partnership for 21st Century Skills. JA programs also correlate to state standards in social studies, English, and mathematics, and to Common Core State Standards.
Session One: Earning, Employment, and Income (volunteer-led)
Students learn that healthy personal finances require planning and managing. Students begin to analyze the financial implications of educational and career choices as a basis for understanding the relationship between earnings and personal finance.
Session Two: Budgeting (volunteer-led)
Students investigate the importance of budgeting and how to plan for staying within a budget.
Session Three: Savings (volunteer-led)
Students analyze the role that saving plays in their personal finances. They recognize that having a healthy savings plan is necessary in all phases of life, but is especially critical for big-ticket items and emergencies.
Session Four: Credit and Debt (volunteer-led)
Students explore the importance of credit and identify the outcomes of wise and poor uses of credit. Students role-play as lenders to evaluate risk and make decisions about giving credit.
Session Five: Consumer Protection (volunteer-led)
Students investigate factors that may pose a threat to their finances and learn ways they can protect themsevles through vigilance and making smart choices.
Session Six: Smart Shopping (volunteer or teacher-led)
Students explore making informed purchasing decisions to maximize their buying power. They work in groups to compare prices in a simulated shopping experience.
Session Seven: Risk Management (volunteer or teacher-led)
Students investigate risks that can lead to financial loss and practice applying appropriate risk management strategies in scenarios.
Session Eight: Investing (volunteer or teacher-led)
Students explore investing and work in groups to simulate evaluating investments with different levels of risk and reward.