1.  What were some major points to the compromise?  What was left out?  In your opinion is this a good deal or not? Why or why not

3.  You will have about 30 seconds to determine if the following questions are true or false  Please hold up true or false to indicate you answer

4. Teens get most of their money from part-time jobs False- 55% of teens get money from guardians, 43% from gifts, 28% odd jobs, 25% part time jobs, 21% allowance, 6% full time jobs, 2% own business

5. Most teens who are 18 or 19 years old have a checking account True, 64% of teens 18-19 years old have checking accounts

6. 90 % of high school students rely on their parts for information about money True

7. On average, American Teens spend around $10 billion a year False, Teens spend more then $169 billion a year

8.  Write a few sentences about what surprised you and what did not surprise you about the true and false  5 min

9. 1. What is an item you want but cannot currently afford? 2. Assuming you are starting with no money and you cannot count on anyone else to simply you it to you, how will you save enough money for the item 3. How long do you think it will take you to save enough money to buy the item 4. What are some other expenses you need to consider while saving up? Will you make any sacrifices?

10.  Please use a different sheet of paper

12.  What are your “needs “and “wants”  Prioritize them  Short term goal- less then 3 months  Intermediate goal- 3 months to a year  Long term goal- More then a year

13.  How will you get money and how will you spend it to reach your goals  Balancing Cash Flow and Income (money taken in) vs. Expenditures (money spend)

14.  What will you spend your money on and what are the opportunity cost of your choices

15. How will your plan work? How much money will you make/spend?

16.  How will you make sure you stay on track?  How will you deal with unexpected expenditures?  What is an unexpected expenditure?

17. On the same sheet as earlier (your question sheet) complete the following activity

18.  Determine a long-term, intermediate, and short term goal you currently have  Indicate if the goals are wants or needs  Follow the 5 steps to determine how you will reach these goals