Elementary School (Grades 1-5): Budgeting, Goals, & Credit Basics
In Elementary School, we transition from simple concepts to practical tools, helping students connect money decisions to their personal dreams.
Grades 1-3 Focus: Students learn the importance of Responsible Borrowing (understanding an IOU) and the practical use of Budgeting to plan for purchases.
Grades 4-5 Focus: Strategic Planning. We introduce the SMART Goal framework (Specific, Measurable, Attainable, Realistic, Time-bound) to teach financial planning. Key concepts include how banks help their money grow through Interest, differentiating between "Good Debt" vs. "Bad Debt", and exploring early Entrepreneurship ideas.
We also begin the essential link between their personal strengths and interests and potential future careers.