Smart Financial Literacy Programs
Today’s families struggle with the realization that today’s fragile economy and uncertain future make it more important than ever to make wise choices. The media, friends, and our consumer-conscious society conspire to lure children down a dangerous path of over-spending, under-saving, and unrealistic expectations.
Impart financial values, knowledge and instill resilience in our children. Jayne, a business journalist for more than 30 years and financial parenting workshop presenter (based on her Kids and Money Guide Books), has helped families understand their connections to and values around money. The goal is to leave children the legacy of true financial freedom—which is about much more than money!
All Jayne’s programs provide a safe, open and comfortable forum
Jayne Pearl shares research from her books and explores:
- How do financial choices (spending, investing, estate planning) impact children’s financial values and responsible use of money?
- How do intellectual choices (providing real-world experiences for kids to practice handling money responsibly) affect the children’s ambition and independence?
- How do emotional and spiritual choices (philanthropy, communication about money and values) enhance or hinder independence, success and happiness?
- How have the events of the financial crisis reshaped parents’ financial values, vision and communication with their children?
Each Workshop Includes:
- Talking to Kids About Money: Who,when, what, how and why?
- Defining the Family’s Financial Values: What are the five primary financial values? How can parents instill them? To what extent do parents model them?
- How to Structure Strategic Allowance and Saving: How to avoid making allowance stimulate spending instead of responsibility. How to empower kids to want to save instead of forcing them to save.
- Budget Basics: How budgets can help kids meet their obligations and dreams instead of making them feel constricted: The cost of cool.
- Navigating Today’s Economic Environment: How can we teach children to be resilient—to survive setbacks financially and emotionally? How do parents define success? When should they let their kids make mistakes or bail them out?
How can middle and high-school kids, plus young adults, become financially secure? When teens learn how to make smart decisions and appreciate the power of saving, they can even become millionaires by retirement age. This session shows them how!
- Five Key Financial Values: Tell yourself no, differentiate between wants and needs, tolerate delayed gratification, make tradeoffs, develop a healthy skepticism.
- The Purpose of Saving: Why every decision to save instead of spend is a decision to be more financially comfortable and secure in the future.
- The Power of Saving: Why save, when interest rates are so low, and when many people who saved lost a huge amount of money in the financial crisis?
- Three Keys to Making Money Grow: How to make your money work for you: paying yourself first, time, and earning compounding interest.
- Financial Freedom: More money and possessions rarely translate into more happiness, once your basic needs are met. What is true financial freedom?
- The Credit Card Trap: How compounding is your best friend when you save, and your worst nightmare when you use credit cards the wrong way.
- The Education Factor: Why bother going to college when so many graduate with huge loans and no job to pay them off? How can more education result in less unemployment and higher salaries? Is college for everyone?
- Case studies, research and exercises.
- Self-surveys, lifestyle/values inventories and financial checklists.
- Guided questions and communication methods.
- Educational games and simulations.
This workshop uses age-appropriate techniques for middle- and high-school kids and young adults. It imparts knowledge and financial values that will instill the competence, confidence and resilience to help teens make wise choices about saving and spending.
If your group includes parents (and their kids),
this is the workshop for you!
It is perfect for:
- Schools, PTAs
- Financial Institution Clients
- Family Offices
- University/Continuing Ed Programs
- Family Business Programs
- Religious groups
- Adult Education Programs