Financial Literacy

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New Elementary School Financial Literacy Program

Our Elementary School Financial Literacy Program is the first of its kind to deliver a comprehensive, 12 week, financial literacy program for young children in elementary school.

Formed in collaboration with Empower Yourself LTD, Eastern Bank, Huntington Elementary School in Brockton, MA. and Sammy Rabbit, the initial program hosts a group of 28 third grade students from the Huntington Elementary School in Brockton, and is led by financially proficient high school students of Empower Yourself in cooperation with a teacher from Huntington. The program uses Sammy Rabbit's Dream Big Financial Education Reading and Activity Curriculum, and is being funded by Eastern Bank.

The goal of the program and collaboration is to teach young people at an early age to develop great money habits that can empower them for the rest of their lives. It does this by having the high school trainers and leaders deliver lessons on financial and economic concepts that are communicated through a wide array of activities that include reading, math, music, language, games and puzzles.

One challenge many educators, school districts and community organizations have to overcome in teaching financial literacy concepts to young students is finding curriculum that is effective and easy to use that captures kids’ attentions and imaginations.
Sammy Rabbit's Dream Big Financial Education Reading and Activity Curriculum solves this challenge. Stories like Sammy’s Big Dream and songs like Get in the Habit immediately connect students and teachers. And, they communicate clear messages on saving, smart spending, giving, goal setting, etc.

In addition, the curriculum’s printable activity templates come with the right to make copies forever and can be customized to include contact information of schools and their partners. They are wonderful features to have.   

EY’s plan is for its teen trainers and entrepreneurs to bring the customizable curriculum and replicate the strategy throughout schools and community agencies in New England and beyond.

EY champions the idea of a taking a proactive approach to financial literacy. EY believes it is better to shape kids habits, attitudes, and skills on money at an early age rather than to try and correct them in later years. EY thinks starting the financial education process early will prove to be a more cost effective strategy for companies and foundations who want to support financial literacy programs. EY’s thinking is supported by research like the University of Cambridge study that revealed adults habits and attitudes toward money are largely set by age 7.

“Empower Yourself has been influential in educating Brockton students about financial literacy. I had the pleasure of visiting third graders from the Empower Yourself program at the Huntington School. I was impressed with their enthusiasm and understanding of financial literacy at such a young age. The fundamentals that students learn in the program will help them make financially responsible decisions in the future.”.....Rep Claire Cronin

Financial Literacy Program Schedule


Week 1


  • Financial Assessment Test
  • Overview:
  • What Do You Know About This Topic?
  • Program Overview

Week 2 & 3

  •  The Secret to Becoming a Millionaire
  • Save Early/Save Often
  • Spending Money
  • Save as Much as Possible
  • How You Earn Compound Interest
  • How to Earn a High Interest Rate
  • Leave Deposits and Interest Earned in the Account As Long As Possible
  • Accounts Where Interest is Compounded Often

Week 4

  • Interactive Exercises

Week 5

  • Test 1:
  • Test Review
  • Test Covering Week 1 - 3

Week 6

  • Wallpaper Woes
  • Story of Tom

Week 6 - 8

  • Your Own Wallpaper Woes
  • Plan to redecorate your bedroom at home. List everything you want to have and measure their rooms at home
  • Income: where will the money from to pay for your wallpaper? Create a budget and a financing plan
  • Go online and look for all the items you desire for your wallpaper exercise. Capture cost for these items and put them in your budget
  • Review your constraints, and trade-offs, since you now know you can’t afford all your desires.
  • Let’s discuss what you ended-up with. Each student will present their plan from beginning to end. Classmates will ask questions about your experience

Week 9 - 11

  • Math and Taxes: A Pair to Count On
  • Careers: Students examine careers that they want to aspire to and will reflect on how workers use math in their occupations.
  • Occupation: Students will research the occupation online, learn about the required jobs skills needed (human capital) that different workers possess and the salary that those workers earn.
  • Taxes: Students learn about how taxes are paid on income that people earn and how income tax is calculated. They learn how the progressive federal income tax is based on the ability-to-pay principle.

Week 12

  • Test 2:
  • Test Review
  • Test Covering Week 4 - 11

Week 13 & 14

  • Spreading the Budget
  • Looking Deeper Into Budget Components
  • Develop a budget for a college student, using a spreadsheet
  • Assets/Income: What kinds of income can a person have? What Assets Does this student have? Enter them into your budget
  • Expenses: Kinds of Expenses: What are the student’s fixed, variable, and periodic expenses and revise to adjust for cash flow problems that

Week 14

  • Class Q & A
  • Allowing your peers to help your understanding of the lessons
  • Interactive exercises.

Week 15

  • Test 3:
  • Test Review
  • Test Covering All

Week 16

  • Financial Assessment Test




Our 5th year in operation continues to show promise and improvement through our middle and high school students. Our students competed in a Global Economic Symposium hosted by Bridgewater State College where the high school students placed 1st, 2nd and 3rd while the middle school placed 3rd against the National financial literacy Power East Greenwich, Rhode Island. We also competed at the Boston Federal Reserve Bank challenge where our high school students won another competition against East Greenwich, Rhode Island.

A majority of our current high school students have participated in the program since the 6th grade and are now entering the 11th grade. They use their knowledge of financial and economic matters to educate other young people on financial and economic matters though a radio broadcast, and soon a television program, which they manage and operate on their own.

Outside of their participation and projects within the organization, our students are also required to maintain a high grade point average with many taking Advance Placement (AP) courses. Our students have been recognized by the Commonwealth of Massachusetts, the City of Brockton and the Brockton School Committee, the United Way, and by the Sharon Rotary Club for excellence in financial literacy, their collaboration and efforts in supporting financial literacy in the region and volunteerism.

Our students continue to demonstrate a comprehensive knowledge of financial and economic literacy which they translate into entrepreneurial experiences and ventures. This experience imbues our students with confidence crucial to their development and their abilities to excel in any environment while developing into corporate and global leaders.



About EY

The objective of our program is to change the attitude of our youth towards money and economics so they will not make the financial mistakes of those around them. We teach financial literacy as a language, just like French or Spanish, they learn financial terms and economic con-cepts which are invaluable regardless of future jobs or careers.
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