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I mainly sub junior high and high school students and I think a lot of visual aids would be more helpful in learning financial responsibility than just lecturing. I remember when I was a stock broker at Morgan Stanley one particular sales meeting this Certified Financial Planner presented graphs showing different investment returns at different periods and rates of return, amounts, etc. The one that got me was when he talked about approaching young people to get them started. He showed a graph with an 18 year old investing $50 a month. The guy said "One date to the movies, that's all." He showed a rate of 8% return if I remember till age 65, the then retirement age. After 47 years, of just putting in $50 a month, the balance had grown to over $285,000. That was an eye-opener. I would also make sure students understand credit, how compounding interest on debt can make you a slave. Kids today seem so material, narcissistic really. "I want it now" mentality. I would make sure that they understand no matter what job or career they get into, they will need financial responsibility skills.
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