1. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona September 15, 2014 Entry task: What were some of the challenges that Morgan dealt with when he was “Living on Minimum Wage” Target: Identify why education matters.

2. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona “Living on Minimum Wage” Warmth Taking the bus/walking Movie theater, buns, spending money Relationship issue (divorce) Health insurance, medical issues

3. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona February 5, 2015 Entry task: What are your post high school plans? Does it involve education or training? Target: Identify why education matters.

4. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Does Money Grow on Trees? Value of a Job & Earning Power

5. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Your Future How do you see your future? Close your eyes – How much money do you have? – Where do you live? – What does your house look like? Family? Vacation? Draw a small picture on your entry task to represent your future and your values.

6. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Where does Money come from? Working Gifts Allowance Bonus Interest Fundraising Scholarships Borrowing

7. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona A Look from the Treetop In this lesson we will learn: – Why People Work – Value of a Job/Career – Relationship between Education Level and Income – Standard of Living – Identify Needs and Wants – Aspects of Well-Being – Planning for the Future

8. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Why Do People Work? To feel personal satisfaction To improve their skills To earn money

9. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona What is a Job? Specific position in which a person is employed or works as – Paid or unpaid – Entry Level, Intermediate, Middle Management, Upper Management, Executive – In order to get Job you need to take First Steps Examples: – Lawn mower at Community Golf Course – Secretary at ABC Law Firm

10. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona First Steps First steps to getting a job might include… – Taking specific classes – Trainings and Certification – Volunteer work – Internship (Paid or unpaid) – Self directed work (i.e. Babysitting for a neighbor) – Entry level job (Grocery store bagger at Safeway) When taking your first steps be mindful of where you would like to go in your future (Think goals, dreams…)

11. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona What is an Occupation? A wide category of jobs with similar characteristics – Line of Work – Ex: Teacher, Healthcare Provider You can work different jobs within the same occupation What other jobs fall under the occupation or “umbrella” of a teacher? Jo b Teacher Youth Group Leader High School Teacher School Career Counselor

12. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona What is a Career? A lifetime journey of building and making good use of your skills, knowledge and experiences Your body of work – Ex: Being a FCS teacher is one part of Ms. Kissel’s career in education Influenced by: – Family - Work – Friends - Leisure Activities – Education

13. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Mind Mapping Career (Educator)

14. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Mind Mapping Career (Educator) Occupation (Teacher) Occupation (School Administrator)

15. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Mind Mapping Job (Math Teacher) Job (Elementary Teacher) Job (School Principal) Job (Dean of Students) Career (Educator) Occupation (Teacher) Occupation (School Administrator)

16. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Mind Mapping Career (Educator) Occupation (Teacher) Occupation (School Administrator) Job (Math Teacher) Job (Elementary Teacher) Job (School Principal) Job (Dean of Students) First Steps (Math Tutor for Kids) First Steps (Work in daycare) First Steps (Leadership Class) First Steps (Volunteer)

17. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Mind Mapping Career (Animal Wellness)

18. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Mind Mapping Career (Animal Wellness) Occupation (Animal Therapy) Occupation (Vet)

19. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Mind Mapping Job (Animal Chiropractor) Job (Dog Trainer) Job (Vet Tech) Job (Dog Groomer) Career (Animal Wellness) Occupation (Animal Therapy) Occupation (Vet)

20. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Job (Animal Chiropractor) Job (Dog Trainer) Job (Vet Tech) Job (Dog Groomer) Career (Animal Wellness) Occupation (Animal Therapy) Occupation (Vet) First Steps (Dog Walker) First Steps (Cashier at Pet Store) First Steps (Pet Sitter) First Steps (Volunteer at Humane Society)

21. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Your Turn! Job Career Occupation First Steps Specific Position Broad Category of Jobs

22. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Education Matters Which education level has the opportunity to earn the highest income? Education LevelType of Work U.S. Average Income (2011) Not high school graduateJob$25,100 High school graduateJob, occupation$35,400 Associate degreeJob, occupation, career$44,800 College degreeJob, occupation, career$56,500 Graduate degreeJob, occupation, career$91,000

23. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Standard of Living A standard of living is the minimum necessities thought to be essential – Millionaire – fancy food, mansion, new car – College student – instant soup, small apartment, used car Need – essential items required for life – Food, water, shelter Want – unnecessary but desired items – iPod, car, designer clothes

24. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Well-being The state of being happy, healthy, and prosperous Impacted by: – How money is gained – Career choice – How money is spent Personal financial choices can affect an individual or entire family’s overall well-being

25. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Think Ahead Identify a desired standard of living at an early age to determine: – Level of education needed – Type of job to have – Desired career path – Future needs and wants – Income level What do you want to be when you grow up?

26. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Fertilize your Future Plan NOW for your desired standard of living… Education helps a person reach their financial goals OR

27. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona “Living on Minimum Wage” Warmth Taking the bus/walking Movie theater, buns, spending money Relationship issue (divorce) Health insurance, medical issues

28. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

29. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona US Department of Labor Unemployment rate in 2006 Education attained Median weekly earnings in 2006 Median yearly earnings in 2006 (Percent) (Dollars) 1.4Doctoral degree$1,441 $74,932 1.7Master's degree1,140 59,280 2.3Bachelor's degree962 50,024 3Associate degree721 37,492 3.9 Some college, no degree674 35,048 4.3 High-school graduate595 30,940 6.8 Less than a high school diploma419 21,788

30. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

31. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Bureau of Labor Statistics

32. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona

33. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona February 14, 2012 Entry task: What is a career? What is the difference between a career and a job? Give examples. Target: Identify why education and training matter.

34. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Straw Tower Activity Goal: Build the tallest free-standing straw tower using only small straws and masking tape. Challenge: Each group has a different education level with certain skills/limitations. – High School dropout – High School graduate – Associate degree – College degree – Graduate degree Solution: Work together and good luck!

35. 2.1.1.G1 © Family Economics & Financial Education – Revised April 2008 – Get Ready to Take Charge of Your Finances – Does Money Grow on Trees? Funded by a grant from Take Charge America, Inc. to the Norton School of Family and Consumer Sciences at the University of Arizona Straw Tower Discussion Which group had to work the hardest to build the balloon tower? Why? Why were some groups more successful than others? How did the education level relate to the degree of the assigned limitations? How might a person get the “skills” needed for the opportunity to have a career and earn a higher income?