Overview

The Smart Money Moves program is designed to equip high school students with essential financial literacy skills necessary for their transition to adulthood. This comprehensive curriculum covers critical topics that empower students to manage their personal finances and make informed financial decisions.

Key Program Components:

1. Budgeting and Money Management:
Understanding income and expenses
Creating and maintaining a budget
Importance of saving and emergency funds
2. Banking and Financial Services:
Types of bank accounts (checking, savings)
How to choose a bank and understand bank fees
How to use online banking and mobile apps
Understanding interest rates and fees
3. Credit and Debt Management:
How credit works and the importance of credit scores
Managing credit cards responsibly
Understanding loans, interest rates, and repayment plans
o Strategies for avoiding and handling student loans
4. Budgeting and Money Management:
Importance of saving early and setting financial goals
Basics of investing (stocks, bonds, mutual funds)
The power of compound interest
Long-term financial planning and retirement accounts
5. Banking and Financial Services:
Basics of income tax and filing processes
Understanding paychecks, deductions, and net income
Importance of financial responsibility and planning for future expenses
6. Banking and Financial Services:
Types of insurance (health, auto, renters)
How insurance works and why it’s important
Evaluating insurance needs and options
7. Consumer Awareness:
Identifying needs vs. wants
Researching products and services to make informed purchases
Recognizing scams and protecting personal information

Delivery Method:

The program combines interactive workshops, guest speakers from financial institutions, and online resources. Students will engage in real-world simulations and group activities to reinforce learning and application.

Outcome Goals:

By the end of the program, students will have a solid understanding of financial concepts, the ability to create a personal budget, and the knowledge to make informed financial decisions as they enter adulthood. Participants will also receive a certificate of completion, which can be a valuable addition to their resumes.

Partnerships:

The program collaborates with local banks, credit unions, and financial advisors to provide expert insights and resources, ensuring students receive relevant and practical financial education.

This program aims to foster financial confidence and independence in high school students, setting the foundation for their future financial well-being.

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