WHY DO WE OFFER THIS IN PERSON CLASS?
Listen in or watch this 14-minute Founders Q&A Video to learn all the details of Why, When, Where and How this class works, or keep reading to learn more!
Did you know A single high school class can boost a teen's lifetime wealth by $100K, but most kids aren't taking it
Using the financial education curriculum outlined below we can empower our local youth to become financially independent with better work ethic and higher chances of success.
Learning these lessons and having the opportunities that comes from attending this class will be countless. It's important that adults enroll their teens, as most teens won't sign up for a financial class when they want to hang out with their friends.
WHO CAN ATTEND THE CLASS?
All teens' ages 15-19 are welcome.
The class is 4 weeks and roughly 26 hours long to include a graduation networking dinner.
Flexible work from home or traditional work opportunities, as well as the ability to qualify to purchase a car, lease an apartment, and eventually buy a home with roommates or alone will be some of the benefits of taking this class.
What is the cost of not sending your teen to this class? 100k ☝️
WHAT IS THE COST OF THE CLASS?
Due to the expenses associated with this class we have evolved from a "free" class paid for by the Founder, and volunteer hours, which may or may not be court ordered or requested for a nonprofit letter of recommendation; to a program where people can donate a scholarship or make a tax deductible donation for their teen to attend.
A $500 tax deductible donation per student is necessary to cover the costs for each student (26 hours = $19.23 per hour of learning).
To make a $500 donation for a teenager, please click HERE You may also mail a check to 1750 McCulloch Blvd N #1619, Lake Havasu City, Arizona 86403 and include the student's name or if it can be used for a scholarship.
WHERE & WHEN IS THE CLASS?
The financial literacy classroom portion will be Tuesday and Wednesday mornings from 9:30am to 11am for the entire month of June 2025.
The classroom is located at the Havasu Alliance Church: 510 West Acoma Blvd.
The farm portion will be open 5 days per week with teens being put together in pairs, hopefully one can drive, and they will spend time on the farm two early mornings, or two evenings per week.
The farm is located off McCulloch Blvd S on the south side of town within Donkey Acres.
Enrollment will end on May 31, 2025 and if we have another class in July 2025, we will share that in June.
Class is limited to 20 students, so enroll today!
⭐Ages 15 to 19: CLICK HERE TO ENROLL ~ June 2025 Class ⭐
If you have questions about this financial literacy class please contact Kirsten VanderJagt, Arizona REALTOR® & Private Hard Money Lender on her cell at (858) 414-2810.
The farm is provided to Katie's House by Healing Meadows, another nonprofit in Lake Havasu. If you have questions about Healing Meadows, please contact Pam Nelson at (928)200-6256.
CURRICULUM
Day 1. What is Financial Literacy?
- Entry Survey: Log your knowledge and confidence in specified areas
- Introduction, website, donors, cost of the class
- Rules, grading, the format of class, cookies and cupcakes game
- Audiobooks: Rich Dad Poor Dad 20th An. and The Laws of Human Nature
- Textbook and FIRE Calculator
- Life goals and financial goals
- Learning tips and styles - learning through a firehose, being prepared
- Languages assessment (HW)
- StrengthsFinder assessment (HW)
- Fear of money and the lifelong learner mindset
- Saving money is essential, whoever saves the most during this class gets $50
- Meet the farm, and let's pick days and team pairs for the farm schedule
- A signed waiver will be necessary upon arrival to the farm
Day 2. Credit Scores and Why They Matter
- What is a credit score?
- The importance of social security numbers and tax IDs
- The impact of credit score on interest rates for loans
- Where to get a free credit report
- The rules of maintaining a good credit score
- Review of student credit reports
- How to dispute items on credit
- How to put freeze on your credit
- How to contact creditors
- Deal or No Deal Money Game $
Day 3. Building a Budget and Staying Organized
- Rich Dad Poor Dad 20th An. and The Laws of Human Nature. If you can tell me the premise of Chapter 3 - You've earned the opportunity to play Deal or No Deal a second time at the end of class today!
- Typical budget
- Build your own budget + a food budget (HW)
- Using envelopes and good credit vs bad credit
- Allocating time each week to review mail (class action postcards) and finances
- Items that add up (subscriptions and food)
- Profit first
- The importance of focus, identifying a goal and timeframe
- Budget, micro budget (food) and items that add up (HW) open discussion
- Staying organized with paperwork
- Using your phone for purpose
- Business email and voicemail etiquette
- Password security (website) and keeping a safe log
- Locking devices
- Social media and reputational risk
- NPI
- Deal or No Deal Money Game $
Day 4. Bank accounts, Checkbooks and Introduction to Loans
- Bank accounts
- Checks and checkbooks
- Writing a check
- Bank statements
- Reviewing assets statements for fraudulent activity
- What is a tradeline?
- Why do credit tradelines matter when it comes to getting your own apt/home?
- What is the process of obtaining and maintaining these trade-lines?
- Student loans and calculating interest
- Auto loans - where and how to prepared and get your first car
- Why is having a reliable car with insurance important to propel your independence?
- Gap insurance
- Credit cards (HW for those age 18 and over) - Must set up a credit card
- Deal or No Deal Money Game $
Day 5. Introduction Into Insurance and Resumes
- Auto insurance
- Renters insurance
- Health insurance
- Dental insurance
- Vision insurance
- Life insurance and other types of insurances
- What does a resume look like
- Where to find jobs
- Gap year
- What is retirement, really (being work optional)
- Passion projects
- Deal or No Deal Money Game $
Day 6. Interview Skills and Being a Renter vs Being a Homeowner
- Getting your resume through the online auto-bots
- What hiring managers usually look for
- Best practices for applying and interviewing
- Student resumes (HW)
- Remote work and the status quo
- Student resumes (HW)
- How much does it cost to rent a home in Lake Havasu?
- How much does it cost to buy a home in Lake Havasu?
- What are the benefits of being a renter?
- What is the process of renting a room, or a home?
- What are the benefits of being a homeowner?
- Taxes and homeowners’ insurance
- Down payments
- Years of planning, time is on your side
- How to use real estate as the vehicle to increase your personal wealth and security
- Deal or No Deal Money Game $
Day 7. Grit and Introduction to Starting a Business
- Kids start businesses every day
- If you could have any type of business, what would it be
- Working inside your business vs on your business
- ROI on a business, for exit or cash flow
- Investments as a business - Capital gains
- The first step for a new business: passion + a problem
- People, process, product
- Business insurances
- Validating your business with Google
- Resale value and acquisitions
- Business planning
- Human resources
- Tax returns - When they are due and why it matters
- Circle back to assessments
- Being self-employed and how it relates to physical health and mental health
- Remember to mind your business (your investments)
- Mid-Term (exam)
Day 8. The Power of Money
- The actual cost of children in dollars
- The financial benefits of marriage
- The potential costs of divorce
- The potential costs of habits
- Giving back
- Military
- Trade school
- College
- Final Exam: Life Plan including 5-year chapters
- Exit Survey: Rate your increased knowledge and confidence
- How much did each student save or invest during this class? - Who earned $50?
- Review each life plan including 10-year chapters
- What is business attire
- Best practices for your first networking event
- Deal or No Deal Money Game $
Day 9. Dress to Impress and Shake Hands
- Class graduation networking dinner
- Meet local business owners and put your interview skills to practice
