Perform Personal Financial Management Training Show Slide #1: Perform Personal Financial Management Training Title: Perform Personal Financial Management Training References: TRADOC Pam 600-4, The Soldiers Blue Book, 1 Oct 14 TRADOC Reg. 350-6, Enlisted Initial Entry Training Policies and Administration, 18 Dec 15 Handouts Method of Instruction: DSL – Discussion (Small or Large Group) Instructor to Student Ratio: 1:25 Time of Instruction: 08 hrs. / 00 mins Media: PowerPoint Presentation, Handout Instructor Material: Each primary facilitator should possess a lesson plan, slide deck, course handouts, and a summary sheet containing the above noted references. Student Material: Learners should possess all required printed reference material, course handouts, a summary sheet containing the above noted references and standard classroom supplies. Note: All required printed reference material, and technical manuals will be provided by the Schoolhouse. Method of Instruction: DSL – Discussion (Small or Large Group) Learning Domain - Level: Cognitive / Understanding MOTIVATOR: Whatever your reason for joining the Army there is one unavoidable fact: it is your duty as a Soldier to fulfill your financial obligations and to provide for your family. The purpose of this training is to provide information that will help you prepare for your financial readiness. 1

Terminal Learning Objective ACTION: Perform Personal Financial Management Training CONDITIONS: As a new FM Soldier in a classroom environment using doctrinal and administrative publications, practical exercises, handouts, and discussion. STANDARD: With at least 75% accuracy, students must demonstrate proficiency with: Review Financial Ethics Review Retirement / Thrift Savings Plan Analyze Leave and Earning Statement / myPay Developing a Spending Plan Managing a Checking Account Identify the Essentials of Credit Review Consumer Awareness Assess the Car Buying Process Assess Your Insurance Needs Show Slide #2: Terminal Learning Objective (TLO) Action: Perform Personal Financial Management Training Conditions: As a new FM Soldier in a classroom environment using doctrinal and administrative publications, practical exercises, handouts, and discussion. Standard: With at least 75% accuracy, students must demonstrate proficiency with: Review Financial Ethics Review Retirement / Thrift Savings Plan Analyze Leave and Earning Statement / myPay Developing a Spending Plan Managing a Checking Account Identify the Essentials of Credit Review Consumer Awareness Assess the Car Buying Process Assess Your Insurance Needs Facilitator’s Note: Throughout this lesson, solicit from students the challenges they experienced in the current operational environment (OE) and what they did to resolve them. Encourage learners to apply at least 1 of the 8 critical variables: physical environment, political stability of the state, sociological demographics, infrastructure, military capabilities, information, time, and economics. Safety Requirements: In a training environment, leaders must perform a risk assessment in accordance with DA PAM 385-30, Risk Management. Leaders will complete a DD Form 2977 DELIBERATE RISK ASSESSMENT WORKSHEET during the planning and completion of each task and sub-task by assessing mission, enemy, terrain and weather, troops and support available-time available and civil considerations (METT-TC). Local policies and procedures must be followed during times of increased heat category in order to avoid heat related injury. Consider the work/rest cycles and water replacement guidelines IAW TRADOC Regulation 350-29. Risk Assessment Level: Low. Hazard Identification: Electrical Shock, Fire, Slippery Floors, Physical Injure/Strain, Tripping Tight Spaces in Classroom, and Influenza. Hazard controls: Primary Instructor (PI) will ensure: All electrical cords are properly stored under desks, liquid containers have lids on them and all spills are immediately cleaned and mopped and allowed to completely dry before allowing learners/personnel to walk on them. All chairs are ergonomically designed, adjust to individual preference and that all learners are awake and paying attention in class. All cables/cords are properly plugged in, sheathed, and secured along tables, walls, and ceilings. No damaged or frayed cords/cables will be used. PI will brief proper hand washing techniques, the use of hand sanitizer, and evacuation procedures. All trash will be removed daily. Environmental Statement: Environmental protection is not just the law but the right thing to do. It is a continual process and starts with deliberate planning. Always be alert to ways to protect our environment during training and missions. In doing so, you will contribute to the sustainment of our training resources while protecting people and the environment from harmful effects. Refer to ATP 3-34.5 Environmental Considerations and GTA 05-08-002 ENVIRONMENTAL-RELATED RISK ASSESSMENT. Evaluation: There are no evaluations, assessments at the end of the lesson. After all LSAs have been presented, the measurement of the learning the students received will be measured via Check on Learning questions given throughout the lessons. Instructional Lead-in. The proper management of your personal finances can have a long-lasting and far-reaching impact on you as a Soldier or a civilian. The last thing you want to be thinking about while patrolling the mountains of Afghanistan is if you are being paid properly or if your Family is financially stable back at home.

PFMT Learning Activities 1-9 Show Slide #3: PFMT Instructor’s Note: Instructor read and discuss with students using the slide. Personal Financial Management Training (PFMT): Personal Financial Management Training (PFMT) is mandated by the Department of the Army for all first-term Soldiers. This training consists of Principles of Personal Finance, Planning and Budgeting, Banking and Checking Accounts, Using Credit Wisely, Insurance, Savings and Investing, Making Large Purchases, Consumer Scams and getting help, and much more. Learning Activities 1-9: Inform students of the sequence of events (listed below) for training in the upcoming next 8 hours. Review Financial Ethics Review Retirement / Thrift Savings Plan Analyze Leave and Earning Statement / myPay Developing a Spending Plan Managing a Checking Account Identify the Essentials of Credit Review Consumer Awareness Assess the Car Buying Process Assess Your Insurance Needs Instructor’s Note: Prep to transition into the first LSA titled, Review Financial Ethics. Learning Activities 1-9 1-3

TLO Check on Learning Show Slide #4: TLO Check On Learning Note: Return to the remaining two slides at (TLO Check on Learning & TLO Summary) at the conclusion of LSA #9. Instructor's Note: At this time, break class into equal groups. Each group take out paper and as a group, write down a few questions from the lesson that they just received. Give them enough time to get their questions written. Once all groups have a sufficient amount of good questions, have each group pass their questions to another group and have them answer them. Allow sufficient time for them to answer the questions. Once all questions have been answered, have each group read their questions and answers.

TLO Summary ACTION: Perform Personal Financial Management Training CONDITIONS: As a new FM Soldier in a classroom environment using doctrinal and administrative publications, practical exercises, handouts, and discussion. STANDARD: With at least 75% accuracy: Review Financial Ethics Review Retirement / Thrift Savings Plan Analyze Leave and Earning Statement / myPay Developing a Spending Plan Managing a Checking Account Identify the Essentials of Credit Review Consumer Awareness Assess the Car Buying Process Assess Your Insurance Needs Show Slide #5: TLO Summary Instructor’s Note: Read TLO Action: Perform Personal Financial Management Training Conditions: As a new FM Soldier in a classroom environment using doctrinal and administrative publications, practical exercises, handouts, and discussion. Standard: With at least 75% accuracy: Review Financial Ethics Review Retirement / Thrift Savings Plan Analyze Leave and Earning Statement / myPay Developing a Spending Plan Managing a Checking Account Identify the Essentials of Credit Review Consumer Awareness Assess the Car Buying Process Assess Your Insurance Needs “Or” The proper management of your personal finances can have a long-lasting and far-reaching impact on you as a Soldier or a civilian. The last thing you want to be thinking about while patrolling mountains of Afghanistan is if you are being paid properly or if your Family is financially stable back at home. Whatever your reason for joining the Army there is one unavoidable fact: it is your duty as a Soldier to fulfill your financial obligations and to provide for your family. Hopefully, this training provided you with the ammunition you need to prepare you for your financial readiness. Instructor's at this time, have several students explain the most important take away to them from this lesson. Facilitate a discussion on each answer.