Financial Literacy

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Financial Literacy

Our Financial Literacy program is our flagship offering for students in middle and high school, during the winter and spring semester, which delivers on our ultimate goal is to change how young people think and see their financial and economic circumstances and alter their financial and economic behavior. Our curriculum is below:




Through five years of operation, our students continue to show promise and development as they progress from the 6th grade through high school.

During our first Global Economic Symposium, hosted by Bridgewater State College, our high school students placed 1st, 2nd and 3rd, with a 3rd place finish for middle school, against a distinguished financial literacy competitor: East Greenwich, Rhode Island. During the second Boston Federal Reserve Bank challenge, our high school students won another hard earned victory.
The crowning achievements of our program, however, are our alumni students who have participated in the program since the 6th grade, and have utilized their knowledge of financial and economic literacy personally and communally.

Our students have taken initiatives, most notably a radio show on financial and economic issues, to educate others on relevant financial and economic matters. They have been recognized by the Commonwealth of Massachusetts, the City of Brockton and the Brockton School Committee, United Way, and the Sharon Rotary Club for excellence in financial literacy and their collaborative efforts in supporting financial literacy in the region.


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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