Financial Literacy
No more blaming the education system. It's time to unite and teach our future visionaries about financial growth. Let Lights to Lyfe be your guide to a curriculum that cultivates minds and prepares our children for financial abundance, both mentally and physically.
Financial Literacy Ages
-
Saving Basics (Ages 3-7):
*Introduction to the concept of money.
*Differentiating between needs and wants.
*Learning to save money in a piggy bank.
Budgeting for Kids (Ages 8-10):
*Understanding the importance of budgeting.
*Allocating money for different purposes (e.g., toys, treats, savings).
*Tracking and managing allowances.
Smart Spending (Ages 11-12):
*Differentiating between impulse and planned spending.
*Making wise spending decisions.
*Understanding the value of delayed gratification.
-
Understanding Interest (Ages 13-14):
*Introduction to the concept of interest.
*Learning about simple interest.
*Understanding how savings can grow over time.
Basic Investing Concepts (Ages 13-14):
*Introduction to investing.
*Understanding basic investment vehicles (e.g., stocks, bonds).
*The concept of risk and return.
-
Advanced Budgeting (Ages 15-17):
*Creating a personal budget for more significant expenses.
*Understanding fixed and variable expenses.
*Managing income and expenses effectively.
Credit and Debt Management (Ages 18-19):
*Introduction to credit scores and reports.
*Understanding credit card usage and debt.
*Strategies for responsible credit management.
-
Investing Strategies (Ages 18-21):
*Diversification and portfolio management.
*Understanding market trends and economic indicators.
*Exploring long-term investment strategies.
Entrepreneurship and Income Generation (Ages 18-21):
*Basics of starting a small business.
*Developing entrepreneurial skills.
*Creating additional income streams.
Financial Independence (Ages 18-21):
*Planning for financial independence.
*Understanding retirement accounts and investments.
*Long-term financial planning.
Sponsorship with a Credit Union
Explore a unique partnership with Lights to Lyfe and a Credit Union. We'll help create small bonds or CDs for students, with rates ranging from 1.5-2% annually. A minimum investment of $500 per student will be developed over the life of their specific courses, be it a diploma, degree, or trade.
Generational Bonds for Guardians and Grandparents
Guardians and grandparents can give their incentive to a family member and receive a small bond or CD, starting at a minimum of $200. Access to the account will be granted when the student successfully completes their assigned courses.
Coming Soon Educational Tablets
Introducing educational tablets that do not require internet access. Lights to Lyfe is dedicated to providing tools for learning that enhance the educational experience.