1. Introducing Education

2. Journal 4
What are your plans after you graduate high school? Do you need to have a plan right now? Why or why not?

3. Review/Summary of the Unit so Far
When you get the die, you have to answer a question from the unit. If you don’t know the answer you may “phone a friend” after giving it your best guess.
Then toss the die to someone else
What categories should go on a resume? What are some of the actual benefits of networking? What are the main sources of income? What does “cost of living” describe?

4. Review Employment tax Forms
Eligibility to work
W-4
Deductions and withholding information
W-2
Withholding details
You fill these out when you get a job
Your boss gives you this at the start of each year

5. Wages v. Income Wages- your pay rate (ex. $7.25/hour, $50,000/year)
Income- How much you actually take home
Gross v. Net Income
Same concept, different terms. Be familiar with all of them.

6. Importance of Education
What makes a post-high school education valuable?

7. Importance of Education

9. Importance of Education
Gives you more choices...More careers, higher paying jobs, and jobs you like
Gives you the opportunity to meet new people
Helps you find your passion and explore your interests
Increases your confidence
Increases your social status
Makes you a more open‐minded individual
Decreases government dependency
Decreases your chances of becoming a criminal and/or being incarcerated
Makes you a happier and healthier individual
Helps you live a comfortable life
Makes you a more cultural individual
Enhances your knowledge and skills

10. Types of educational Opportunities
Is college the only post-high school option that you have?
This will go over a bunch of other options for education that are available (some are better than others), as well as give some advice for those of you who are thinking about college.

11. Possible Non-College Options
Apprenticeships
Vocational School
On the job Training
Trade Schools/Certifications
Military
Volunteer Experience

12. Costs of education
What do you have to pay for when you go to college?

13. In what ways is education an investment?
Return on Investment
R.O.I. – The payoff for an investment option
What’s an investment?
In what ways is education an investment?

14. Calculating R.O.I. Calculate net price that you’ll pay
Know your potential debt
Estimate how long it will take you to graduate
Learn the earning potential for your field
Recognize missed income opportunities

15. Preview
We’re going to talk about how to fund college next class. A lot of the things that we’ll talk about are things that you’ve got to start doing now, if you want to graduate without debt (and you do!)