This lesson is full of activity-based learning that begins with a short skit, “How Do You Spend Your Money” to introduce all content. In the skit, Shelbi learns valuable lessons from Ethan regarding financial decisions. Choose one of two facilitation options – with or without the PowerPoint. With either facilitation option conduct the Values Auction or Values Continuum activities to help participants identify their personal values. Then, conduct the Needs versus Wants and Shelbi’s Decisions activities to reinforce the concepts of needs, wants, trade-offs, and opportunity costs. Conclude the lesson by completing a spending board for Ethan using beans or other types of markers or doing an escape room challenge. Assess knowledge by having participants explain the decisions they made for Ethan on the spending board.

Cross-curricular keyword: Scarcity

Lesson Objectives

  • Analyze how values, needs, and wants affect individual financial decisions
  • Apply the concepts of trade‐offs and opportunity costs to decision making
  • Recognize the impact of individual values on overall well‐being

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