Youth Module

Youth Module

We help young people prepare for real-world financial decisions by showing how today’s choices can shape tomorrow’s opportunities. This module gives teens a clear, practical understanding of how college selection, vocational training, education costs, student debt, and career direction can influence future income, lifestyle, financial flexibility, and long-term wealth building.

Students are encouraged to look beyond the reputation of a school or the appeal of a career field and consider the full financial picture. This includes tuition, room and board, scholarships, grants, employer-paid education, vocational alternatives, expected earnings, job demand, work-life balance, and the ongoing cost of the lifestyle they hope to live. By comparing these factors before making major commitments, students can better understand the tradeoffs between income, debt, housing options, family goals, generosity, retirement savings, and overall financial freedom.

From there, we help students take the next step by introducing other essential topics, including insurance, banking, credit, investing, retirement planning, and responsible stewardship. With intentional guidance now, young people can enter adulthood with greater confidence, stronger discernment, and a clearer path toward wise decisions, meaningful opportunity, and a more secure future.

Topics we’ll discuss:

Automobiles

  • Costs
  • Kinds of insurance

Bank accounts

  • Checking
  • Savings
  • Money markets

Career choices

  • Income / Wages
  • Retirements / Pensions
  • Workforce projections
  • Work from home employment

College / Vocational Training

  • Christian vs. secular
  • College selection tools
  • Employer paid college
  • Free colleges
  • Free tuition
  • Vocational Training
  • Grants & scholarships
  • Cost reduction strategies

Credit

  • Types of credit
  • Building credit
  • Uses of credit
  • Dangers of credit

Financial rights

Inflation

Insurance

  • Whole Life
  • Term Life
  • Disability
  • Accident
  • Renters
  • Contractor Liability
  • Professional Liability
  • Umbrella

Investing

  • Bonds
  • Mutual funds
  • Stocks
  • Treasury notes
  • Helpful tools

Living Expenses

  • Living at home
  • Renting a room
  • Renting an apartment

Purchasing a home

  • Appliance insurance
  • Considerations
  • Insurance
  • Purchase planning strategies
  • Resources
  • Savings

Retirement Accounts

  • IRA
  • Roth IRA
  • SEP IRA
  • Simple IRA
  • 401(k), 403(b)
  • Solo 401(k)

Taxes

  • Income taxes
  • Sales taxes
  • Capital gains
  • Self employment
  • Simple tax reduction strategies