The Normalize Money Project®

We’re thrilled to bring this dynamic and life-changing Financial Literacy & Life Skills Class to teens in Lake Havasu City this summer! 🎉

💡 Why This Class Matters:
Using a powerful, hands-on curriculum, we're on a mission to equip the next generation with real-world money skills, stronger work ethic, and higher chances of long-term success. It's more than just learning—it’s transformation. 💼✨

🐴 👉 14-minute Founders Q&A Video  // NOTE: Horse / Farm Time has been removed from the June 2025 in-person class, as parents had limitations with transportation and the additional $250 cost. If you'd like to enroll your teen to visit with horses or animals separately, please get in touch with Pam Nelson 📱 (928) 200-6256.

📊 Did You Know?
A single high school financial class can boost lifetime wealth by $100K—but most teens don’t have access. We’re changing that, right here in Lake Havasu. 💥


🔥 Why This Class Changes Lives:

This isn't just theory—your teen will walk away with:
Money they earn from pop quizzes + a stock or 529 account
Credit knowledge most adults dont have
A budget that actually works
A professional resume course + real networking practice
A life plan they're proud of + next steps using their strengths!


🗓 CLASS INFO AT A GLANCE:

📍 Location:

  • Classroom: Havasu Alliance Church, 510 W Acoma Blvd

🕒 Schedule:

  • Dates: June 3 – June 25, 2025
  • Days: Tuesdays & Wednesdays
  • Time: 9:30–11am
  • Networking Dinner: June 29, at 5:00pm

🎯 What’s Required:

  • Age 15–19
  • A ride to class
  • A $250 donation or scholarship (tax-deductible – covers 12 hours of learning + networking dinner, assessments & more)

📝 Ready to Join?
🚀 ENROLL NOW — Class of June 2025
📅 Enrollment closes May 31, 2025 | Limited to 20 Students

💸 Want to Sponsor a Teen?
👏 Click Here to Donate $250 — You’ll receive a tax receipt and full transparency on how the funds are used.


📚 CURRICULUM SNAPSHOT:

Our engaging curriculum blends personal finance, entrepreneurship, personal growth, and real-life experiences. Here's a sneak peek:

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

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

Day 8: Life Planning & Long-Term Wealth

  • 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 // Networking Dinner 🎉

  • Wear your best business attire
  • Talk with local business owners and potentially land a new job or internship 🤝
  • Practice your interview skills + celebrate your growth!

📞 Have Questions?

👩🏫 Class & Enrollment Info:
Kirsten VanderJagt — Founder, LHC REALTOR®, Private Money Loan Executive
📱 (858) 414-2810

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