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As a family, they will also explore money habits, setting financial goals, and making financial conversations a priority.","link":{"label":"Download Activity","path":"/pdf/DFS-PFS-HS-Unit1-FamilyConnection-ParentsAsFinancialRoleModels.pdf"}},{"type":"unitTopics","color":"high-school","topics":[{"number":"Topic 1","title":"Imagining Your Financial Future","intro":"Introduce your students to personal goal setting to begin creating their vision for the future and taking steps to achieve it.","module":{"tag":"Self-paced Module","image":"Ed-HS-SPM-U1-T1_0.jpg","title":"Imagining Your Financial Future","duration":"10 to 15 minutes (plus optional discussion)","text":"This module helps your students to think about their goals for the future. 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They will consider their future careers, families, and lifestyles, and develop action plans to achieve their goals.","links":[{"label":"Download Activity","path":"/pdf/DFS-PFS-HS-Unit1-ClassActivity-Topic1-FromDreamtoReality.pdf"}]}],"links":{"title":"Supplemental Resource Links","items":[{"label":"Designing Dreams: Financial Planning","path":"http://www.dlc.com/PFS-DesDreamsFinPlan","source":"FDIC’s Money Smart for Young People","text":"Use these free curricular resources to help your students determine personal and financial goals and develop financial plans."},{"label":"Mapping Your Money Journey","path":"http://www.dlc.com/PFS-MYMJ","source":"Consumer Financial Protection Bureau","text":"Invite students to take a 30-question survey to see where they are on their financial journey. Students who take the interactive version will get their results immediately. A printed version is also available with instructions for how to score and interpret the results."},{"label":"How to Achieve Your Financial Goals","path":"http://www.dlc.com/PFS-AchFinGoals","source":"American Institute of Certified Public Accountants 360 Degrees of Financial Literacy","text":"Your students can read about best practices for setting goals, determining milestones, and developing good money habits."}]}},{"number":"Topic 2","title":"Setting SMART Goals","intro":"Help your students make connections between personal and financial goals and reinforce why they should set SMART (Specific, Measurable, Attainable, and Realistic) financial goals.","module":{"tag":"Self-paced Module","image":"Ed-HS-SPM-U1-T2.jpg","title":"Setting SMART Goals","duration":"10 to 15 minutes (plus optional discussion)","text":"This module uses the SMART model (specific, measurable, achievable, relevant, and time bound) for goal-setting. Students will learn how to identify financial goals. 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Once logged in, the link above will take you directly to the resource.)"},{"label":"SMART Goals Worksheets","path":"http://www.dlc.com/PFS-SMARTGoal","source":"University of Buffalo","text":"This worksheet helps students outline a SMART goal, create an action plan to accomplish it, and identify potential sources of support."},{"label":"StickK","path":"http://www.dlc.com/PFS-Stickk","source":"StickK","text":"You and your students can use StickK (and similar apps and websites) to set goals, track progress, and get support."},{"label":"5-Minute Film Festival: Freedom to Fail Forward","path":"http://www.dlc.com/PFS-FreetoFail","source":"Edutopia","text":"Use these short videos with your students to learn how to embrace inevitable failures and use those experiences as valuable tools for growth."}]}},{"number":"Topic 3","title":"Examining Money Habits","intro":"Your students will examine current financial habits, how those habits may impact their future, and how to reframe habits towards success.","module":{"tag":"Self-paced Module","image":"Ed-HS-SPM-U1-T3.jpg","title":"Examining Money Habits","duration":"","text":"Students will learn how money habits include the ways they spend, save, and talk about money. 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Cultural influences are also explored."},{"label":"Behavioral Economics","path":"http://www.dlc.com/PFS-BehEcon","source":"Next Gen Personal Finance (NGPF)","text":"Explore the resources in this unit plan from NGPF with lessons on values and money. It also includes concepts from the field of behavioral economics such as loss aversion, the endowment effect, sunk costs, herd mentality, and confirmation bias."},{"label":"Financial Personality Quiz","path":"http://www.dlc.com/PFS-FinPersQuiz","source":"The Myers-Briggs Company and Marcus by Goldman Sachs","text":"After answering 10 questions, students can find out if they are value-based planners, laid-back balancers, short-term strategists, or confident money managers. The resulting personality type is explained along with potential challenges people with this personality might face with their finances."},{"label":"What’s Your Money Sign?","path":"http://www.dlc.com/PFS-WYMS","source":"PBS Two Cents","text":"In this seven-minute video, the hosts of the popular PBS video series, Two Cents, explore money signs or personalities. Challenge students to consider which of the six money signs they relate to the most: risk takers, hoarders, social spenders, engineers, moguls, or ostriches."}]}},{"number":"Topic 4","title":"Budgeting and Success","intro":"Your students will consider this question: *How does developing a budget help you manage your money?* Students will learn how to build a budget and harness tools avoid pitfalls along the way.","module":{"tag":"Self-paced Module","image":"Ed-HS-SPM-U1-T4.jpg","title":"Budgeting for Success","duration":"10 to 15 minutes (plus optional discussion)","text":"Students examine why budgeting is important and learn about different approaches to budgeting, including traditional category-based budgeting, simplified 50-20-30 budgets, and how technology can make budgeting easier. 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The interactive version “does the math” for them. At the end, find out if students’ income covered all of their expenses."},{"label":"Spending Plans","path":"http://www.dlc.com/PFS-SpendPlans","source":"University of Arizona’s Take Charge Today","text":"In this lesson, students complete a spending plan for the Brown family and give them advice. The lesson includes a spending plan template in Excel. (To access these resources, you will need to register for a free account and verify that you are an educator. Once logged in, the link above will take you directly to the resource.)"},{"label":"Budgeting Basics","path":"http://www.dlc.com/PFS-BudBasics","source":"PBS Two Cents","text":"This 5-minute video kicks off by comparing a budget to a battle plan and suggests students “take a cue from George Washington.” Students will be encouraged to look at their current spending and place it into one of five budget categories: essentials, security, goals, lifestyle, and discretionary spending. The video concludes with some of the benefits of budgeting, including being less stressed about finances."}]}},{"number":"Topic 5","title":"Spending Wisely","intro":"Show your students how to make informed spending decisions. They will explore resources to track personal spending, differentiating between wants and needs, and making informed spending decisions.","module":{"tag":"Self-paced Module","image":"Ed-HS-SPM-U1-T5.jpg","title":"Spending Wisely","duration":"10 to 15 minutes (plus optional discussion)","text":"During this module, your student will explore what they should think about before making a purchase. They will learn to analyze their spending choices and the factors that affect their spending, so they can think before they spend.","launch":{"label":"Launch Module","path":"https://app.discoveryeducation.com/static/interactives/cep/pathway/unit-1-topic-5/"}},"links":{"title":"Supplemental Resource Links","items":[{"label":"Can You Pay Your Bills? 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Once logged in, the link above will take you directly to the resource.)"},{"label":"Advertising: Dollars and Decisions","path":"http://www.dlc.com/PFS-AdDolDec","source":"Federal Reserve Bank of St. Louis","text":"In this lesson, students learn about advertising in history and the impact of advertising in modern day."},{"label":"How Social Media Keeps You Poor","path":"http://www.dlc.com/PFS-SocialMediaPoor","source":"PBS Two Cents","text":"Encourage students to watch this 10-minute video and reflect on social media’s influence on their own personal spending decisions. Discuss where and how often they see branded content, how their browsing and search patterns influence ads, and if advertising to children and teens should be more tightly controlled."},{"label":"Stay Focused on My Goals","path":"http://www.dlc.com/PFS-StayFocusedGoals","source":"FDIC’s How Money Smart Are You?","text":"Invite students to review tips and strategies for staying focused on their goals, blocking unproductive messages, and resisting impulse spending. 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