Pedagogy Wheel High School_Print (Test)

YOUTH PERSONAL FINANCE PEDAGOGY

Teaching high school students

Financial habits and norms

Financial habits and norms are values, standards, routine practices, and rules of
thumb around money. These help us navigate our day-to-day financial lives.

Watch for a student to demonstrate:

To develop these skills you can:

§§ Savings norm — considers for what, when and
how to save money

§§ Discuss values that support healthy saving and
spending plans

§§ Spending strategy — considers for what, when
and how to spend money

§§ Build math skills through hands-on exercises

§§ Positive attitude — places value on savings,
planning and self-control

§§ Define positive habits such as saving for shortterm and long-term goals and needs

Executive function

Strong executive function makes it easier to plan, focus attention, remember details
and juggle multiple tasks.
Watch for a student to demonstrate:

To develop these skills you can:

§§ Strong working memory—remembers
key information

§§ Give students lesson outlines

§§ Impulse control — thinks before acting

§§ Flexible thinking — adjusts to the unexpected
§§ Planning and prioritizing — decides on a goal
and how to meet that goal
§§ Task initiation — knows how to start on a project

§§ Model consistent routines

§§ Give step-by-step directions
§§ Use rubrics that describe what a successful
assignment looks like
§§ Break assignments into smaller chunks with
deadlines that build to a final assignment
§§ Build students’ confidence over time by grading
work completed, rather than focusing on work
left undone

Consumer Financial
Protection Bureau

Learn more at consumerfinance.gov

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Financial knowledge and decision-making skills
Financial knowledge and decision-making skills are exhibited by deliberate actions,
like financial planning, research, and intentional decisions.

Watch for a student to demonstrate:

To develop these skills you can:

§§ Self-confidence — confronts new situations with
optimism in ability to make a positive choice

§§ Identify safe resources and tools for the students
to use in research

§§ Research skills — sees where research is needed,
identifies trustworthy sources for information,
and evaluates the information

§§ Make lessons relevant to their students’ lives

§§ Positive decisions—makes spending and saving
choices aligned with their goals and values

§§ Develop students’ ability to compare and
contrast so they can analyze their options

§§ Provide opportunities for repeated practice

§§ Math skills — performs the calculations needed
to make practical financial decisions

Consumer Financial
Protection Bureau

Learn more at consumerfinance.gov

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