Financial Survival Skills Training

For Future Professionals

Attending Paul Mitchell: The School
 Table of Contents

Program Overview 1

Paying for the Program 4

Sample Curriculum 5

Implementation Options 6

Support Resources 7

Founder’s Bio 8

Beta Test Results 9

Implementation Timelines 10

DollarCamp, LLC
425 California Street , Suite 1700
San Francisco, CA 94109

(T) 415-839-2083
(F) 310-388-0348

Stephen Epstein
CEO and Founder
415.240.6545 DollarCamp Team Leader
Stephen@DollarCamp.com Ayada Havaplan

© DollarCamp 2009 Financial Survival Skills Training For Future Professionals Attending Paul Mitchell: The School
 Program Overview

The DollarCamp Goal

DollarCamp’s goal is to teach Future Professionals how to live in a manner that is financially sustainable
and provide a foundation for building a life of passion and success. 

The curriculum uses multiple intelligence games and exercises coupled with fun
illustrations and edgy language to enroll young people in the belief that the fastest way
for them to achieve their dreams is by taking control of their finances. 

Hairstylists leave Paul Mitchell Schools with amazing technical skills, yet many may find
their personal and professional success undermined by AVOIDABLE financial mistakes. 
It doesn’t have to be this way, schools can provide critical life management skills quickly
and efficiently without sacrificing their core mission.

DollarCamp believes that schools can pursue the worthy goal of teaching critical financial skills to future
professionals WHILE boosting the morale, profitability, and performance of each school.

Turnkey Financial Education

DollarCamp’s Introduction to Cash & Credit is a turnkey financial education program created specifically
for use within the network of Paul Mitchell beauty and cosmetology schools.

The program covers financial basics such as how to set goals, visualize success,
budget, manage spending, understand and build good credit, and plan for the
future without sacrificing the fun that young adults expect to have today.

The program’s implementation was designed to be very flexible and can accommodate a range of options
from a take home self-study course to incorporation into a school’s curriculum with workshops and
activities, as is currently the case in Paul Mitchell Schools in Louisiana.

DollarCamp media packet

© DollarCamp 2009 Financial Survival Skills Training For Future Professionals Attending Paul Mitchell: The School 
 Program Overview

DollarCamp Results from Louisiana Schools

It is logical that school owners would expect strong positive outcomes for their students and schools when
offering any new curriculum. According to reports from the beta test conducted by Mark Palermo at Paul
Mitchell Schools in Louisiana, the program has positively affected his schools in a number of ways:

y Faculty and Staff: Very excited about the opportunity

to expand their instructional capacity as well as the The following e-mail from Mark
impact on their personal well-being. Palermo summarizes his positive
experience with DollarCamp and
the impact the curriculum has had
y Admissions: Parents that were skeptical regarding on his schools and students:
“beauty school” had an immediate change in perception
once DollarCamp was presented as part of the tour.
Hi Stephen,

y Financial Aid: Financial Aid Leaders see DollarCamp as As we near the completion of
our Beta test I am excited to let
a loan default remedy and deterrent tool and believe
you know we intend to execute
NACCAS/DOE will find value in the initiative. Option-1:

1) The DC kit will be included in

y Culture: Future Professionals have expressed apprecia- our school kit.
tion for the initiative, specifically for the schools care 2) Every newly enrolled Future
and concern for their personal well-being. Professional will participate in
the workshop format.
y Salon Community: After presenting to salon owners 3) Our Financial Aid Leaders will
during the JPMS Spring Trend Tour (over 400 in facilitate the course over 2-3
half-day sessions during the
attendance), salon owners overwhelmingly applauded
“Core” phase.
the initiative… so much so that many are interested in
In short, our school leadership
taking the course. team validated all anticipated
outcomes from the DC initia-
tive.  Aside the admissions and
financial aid benefits, we are
convinced DC will accentuate our
career/life readiness offering to
VCC Future Professionals.  

Moreover DC will differentiate

VCC by providing a vital resource
not available to others attending
beauty school within our trading
area.  Our distributor customers
are so impressed by our initiative
that many are interested in com-
ing back to school just to get DC. 
How cool is that?!!!!! 

Thanks, 

DollarCamp at Paul Mitchell Schools in Louisiana Mark Palermo

Paul Mitchell Schools, Louisiana

© DollarCamp 2009 Financial Survival Skills Training For Future Professionals Attending Paul Mitchell: The School 
 Program Overview

Program Benefits

y Fundamentally transform and improve the relationship that Future

Professionals and Learning Leaders have with money

y Empower Future Professionals and Learning Leaders with knowledge

of how the financial system works and how to make smart financial
choices, so they can be the best students, employees, hair stylists, and
human beings possible

y Give Future Professionals and Learning Leaders tools for managing

their cash, building their credit, and planning the life of their dreams

y Increase the productivity, happiness, and focus of everyone within

the school system and professional network by teaching them how to
make informed, responsible, financial decisions

y Improve employee retention, create a more positive, focused and stress-free educational
environment for Future Professionals and Learning Leaders, and improve Future Professionals
capacity to perform on loan obligations

y Increase enrollment by demonstrating to parents that Paul Mitchell Schools is committed to

helping Future Professionals learn to avoid the financial decisions that can hinder their personal
and professional achievement

DollarCamp Mission
DollarCamp has designed a program specifically to meet the needs of Paul Mitchell School Owners,
Learning Leaders and Future Professionals. DollarCamp’s Introduction to Cash and Credit contains turn-
key lesson plans and illustrated guides that teach students desperately needed money management tools.

The program can be offered as a home study course for students or can be facilitated in two half day
workshops per enrollment. Learning Leaders do not need any previous knowledge of personal finance to
facilitate the DollarCamp program.

The schools that have already implemented DollarCamp have

reported the program helps with student and employee focus and
morale, admissions, and is expected to improve performance on
student loan obligations, which supports profitability. 

DollarCamp is extremely excited to present a program that is

in line with the Paul Mitchell culture of excellence and loving support.

© DollarCamp 2009 Financial Survival Skills Training For Future Professionals Attending Paul Mitchell: The School 
 Paying for the Program

Pricing & Payment

In the DollarCamp beta test in Louisiana, the DollarCamp Introduction to Cash and Credit kit was offered
to the students on a voluntary basis. Over 50% of students decided to purchase the program as an out-of-
pocket expense. Going forward, the two Louisiana schools are making DollarCamp mandatory and includ-
ing the cost of the course in student tuition payments.  Other schools are planning to offer the course as
an optional workshop where the kit cost is passed on to the students as a programming fee.

y Future professionals have shown a willingness to absorb

the additional cost of the program

y Certain schools will charge students an optional

programming fee while other schools will include
DollarCamp in the cost of tuition

y Parents have been very enthusiastic about their kids

participation and are happy that schools are offering this
financial education resource to their kids

DollarCamp Kit Contents

2 Course Audio CDs 1 Budgeting CD-Rom

Binder Binder Sleeve

8.5” x 11” Binder:

9 Chapters, Featuring 72 Full Color

Pages (double sided), Welcome Letter,
and Notes Section

© DollarCamp 2009 Financial Survival Skills Training For Future Professionals Attending Paul Mitchell: The School 
 Sample Curriculum

 DollarCamp’s Sustainable Life System

Allowing money to support you, instead of distract you, will improve important areas
of your life, help you reach your full potential, and build the life of your dreams! Myth
If you simply work hard to make a
lot of money you can achieve your
dreams.
Personal Relationships
• Patience
Dear Future Professional, • Understanding Reality
Making money without a plan is like
• Trust
Self & Health putting gas in a car that doesn’t have
My name is Ayada and I want to introduce you • Less Stress
•
•
Presence
Thoughtfulness
a steering wheel. It can go fast, but
to DollarCamp for the COSMETOLOGY & • Positivity
the odds of getting to where you
want to go aren’t good.
BEAUTY industry. DollarCamp is going to teach • Confidence
you how to stay out of Debt and build the life • Balance
of your DREAMS by showing you how to avoid
• Energy
Creating a Sustainable Life
Financial Pitfalls and giving you some Requires Planning
great Tools for managing your $$$. We have
put together a ton of AMAZING materials
for you in each chapter. 1.
Visualize Your Dreams
3.
Build a Plan That
Fits Your Dreams
We will give you Powerful information about Money so you can make Professional life
Smart Choices and have FUN. We want you to feel Empowered with your Fun & • Maximum Creativity
spending, so you can be Creative, Successful, and Happy. We will
ÆMe TimeÇ • Fewer Distractions
show you how to create a Spending Plan and build a Sustainable • Seize Opportunities
• Going Out
Life, which will help you avoid stress, achieve your Goals and LIVE YOUR • Relaxing • Enthusiasm
DREAMS! • Traveling • Growth & Learning
• Free Time

HAVE FUN! • Hobbies

2. 5.
Ayada
Put Your Dreams on Paper
To Make Them Real
4.
Follow Your Plan
Achieve Your Dreams

Ayada Havaplan
DollarCamp Team Member key idea: Achieving Your Dreams Requires Having a Plan and Working it
Each Day. The Money You Make is Only a Piece of the Puzzle.

©2009 by DollarCamp. All rights reserved. 1 ©2009 by DollarCamp. All rights reserved. 1

Myth
You don’t need to think about how
Myth
If I have a spending plan, I will
Myth
Investing a little bit every month
your finances will impact your life automatically get results. isn’t worth the trouble.
until you are older and making a lot
more money.
Reality Reality
Reality
The decisions you make and the
Life can be fast-paced and hectic.
No matter how good your intentions,
you have to implement a plan to get
You can end up with a massive
amount of cash by just investing a
few dollars every day.
habits you develop in your twenties results. Using a foolproof system is
will affect your ability to build a the key.
sustainable life.

Understanding How Assets & Liabilities

Affect Your Sustainable Life Plan Implementing Your Spending Plan Will Help When You Combine Time and the Power of
You Lead a Sustainable Life Interest, You Get Amazing Results.

Create a Bridge Between Your

Intentions & Actions With a System
INVEST SMALLER AMOUNTS OVER A LONGER PERIOD OF TIME!
(10% Compounded Annually)

tem
S ys
actions $43,800 Invested ($6 / day)

Intentions Getting Results! WASTED TIME!

   
Wanting Results  
Year 20
Year 40 $125,432
Year 0

$43,800 Invested ($3 / day)

            
Year 40

 Year 20
Having a Foolproof System for Implementation is the
Key to Success. Year 0

$484,638
©2009 by DollarCamp. All rights reserved. 1 ©2009 by DollarCamp. All rights reserved. 1 ©2009 by DollarCamp. All rights reserved. 1

Designed for Future Professionals

y High Energy y Easy to Teach y Edgy Design

y Illustrated y Dynamic y Financial Education

y Colorful y Multiple Intelligence y Interactive

© DollarCamp 2009 Financial Survival Skills Training For Future Professionals Attending Paul Mitchell: The School 
 Implementation Options

Program Implementation

The DollarCamp program was developed for flexible implementation, so that

it can be facilitated by Learning Leaders with minimal training or used as a
self-study course by Future Professionals.

There are two primary implementation options for DollarCamp’s Introduction

to Cash & Credit course:

OPTION 1: Self Study

This option is for schools that want to provide financial education to students, yet do not have the
resources to offer workshops or classroom facilitation. The self-study option simply involves giving
Future Professionals the kits and enrolling them in the online certification program. Students work
through the exercises on their own, receive support from DollarCamp’s online forum, and earn a Dol-
larCamp certification online that they can put on their resume.

OPTION 2: Self Study + Classroom Workshop DollarCamp Gives Back

The workshop implementation strategy is the self-study
DollarCamp contributes 3% of the
option plus two interactive workshops where Learning
gross proceeds from each school’s
Leaders facilitate group discussions and walk Future order of DollarCamp units to that
Professionals through each of the chapters in the course.  schools’ charity of choice.

The workshops focus on interactive activities and exercises

on a variety of financial topics.

Each of the two workshops can be offered in a 3-4

hour long period, preferably approximately 3 weeks
apart.  Learning Leaders will have a workshop les-
son plan for each chapter, which clearly outline
the chapter objectives and very closely follow the
traditional Paul Mitchell lesson plan format.

Mark Palermo, facilitating a

DollarCamp classroom workshop

DollarCamp live launch

© DollarCamp 2009 Financial Survival Skills Training For Future Professionals Attending Paul Mitchell: The School 
 Support Resources

Monthly Conference Calls

Stephen Epstein, personal finance celebrity and founder of DollarCamp, will host a two hour conference
call once a month. This call will provide a forum for learning leaders to ask questions about implementa-
tion, provide feedback, and share best practices.

Online Support Forum / Help Desk

Facilitators of the DollarCamp program will have access to the

Financial Survival Network, an online forum where facilitators
can post questions and DollarCamp staff can offer support.

Video Webinars / Instructional Videos

Once a critical mass of schools have signed onto the program, DollarCamp will produce video webinars
that include highlights from DollarCamp launches and presentations across the country, advanced
content for the education and betterment of Learning Leaders, as well as additional content created
specifically for Paul Mitchell Schools.

DollarCamp in the News

Paul Mitchell: The School Newsletter

Stephen Epstein, mentor profile

Masters Interview
Winn Claybaugh, Dean and Cofounder,
Paul Mitchell: The School interviews Stephen Epstein

Listen to the podcast: http://paulmitchelltheschool.com/

newsletter/audio/july2009.html

© DollarCamp 2009 Financial Survival Skills Training For Future Professionals Attending Paul Mitchell: The School 
 DollarCamp Founder’s Bio

Stephen Epstein

Stephen Epstein is the founder and creator of DollarCamp, a company that

teaches students and young professionals how to successfully navigate the
confusing world of money and personal finance. To teach critical money lessons
in a fun and relevant way, DollarCamp offers high-energy and high-impact
educational materials, illustrated course books, audio series, budgeting software,
and online learning and certification courses that appeal to young adults.

Stephen is also the author of The Financial Survival Guide for Students and host of
DollarTalk Radio, a nationally syndicated radio show that teaches people how
to get out of debt. He has appeared as a guest on Jean Chatzky’s show (Oprah’s
money expert) and worked closely with the Charles Schwab Foundation for
financial literacy.

Stephen’s commitment to getting the message out is nowhere more apparent than in his DollarCamp
speaking engagements. Dressed in the diamond and gold encrusted hip-hop ensemble of his alter ego,
Sir Blings-A-Lot, Stephen speaks at high schools and colleges to raise the level of financial awareness
among young people. As part of his nonprofit lecture series, he gives many presentations at schools in
communities spanning the socioeconomic spectrum.

During interviews Stephen is quick to point out the sobering statistic that half of
all college-age students start their professional lives with high-interest credit card
debt that creates financial and personal problems. DollarCamp believes financial
problems can ruin health and personal relationships, destroy personal creativ-
ity, and trap people in jobs that keep them from realizing their full potential. The
opposite is also true: financial peace can enhance health and relationships, cause
creativity to flourish, and allow people to freely and passionately pursue their
dreams. DollarCamp teaches young adults how to create the financial peace that
will serve as a solid foundation for a successful life.
Stephen Epstein, as
DollarCamp hero,
DollarCamp relies on the help of parents, leaders, and teachers to raise the level of
Sir Blings-A-Lot financial awareness among young people.

To learn how you can transform the lives of young people or to book a DollarCamp speaker for an event,
please visit http://dollarcampsystem.com/beauty_cosmetics or contact Stephen Epstein:

(415) 839-2083
7009 Trolleyway
Playa Del Rey, CA 90293
Stephen@DollarCamp.com

© DollarCamp 2009 Financial Survival Skills Training For Future Professionals Attending Paul Mitchell: The School 
 Beta Test Results
Dollar Camp Beta Test Report
As of: April 24, 2009
Prepared by: Mark T. Palermo, co-owner, Vanguard College of Cosmetology, A Paul Mitchell Partner School
Scope assigned 2-person teams (per campus) collaborated in class-
The Dollar Camp (DC) Beta Test is designed to assess the fea-
sibility of offering a course on the fundamentals of managing
personal finances at a pre-licensure level.
Background of interaction was exceptional. The outcome was amazing.
Mark and Lisa Palermo introduced Dollar Camp at the compa-
ny’s annual stakeholders meeting in December 2008;
“We take great pride in going above and beyond cosmetology
instruction. However, we are equally sensitive to not allowing
curriculum enhancements impede on cosmetology instruction,
our primary function. We are absolutely certain this ‘Life Pre-
paredness’ initiative will better prepare our graduates for the
pursuit of their personal American dream.” –Mark T. Palermo,
December 15, 2008.
Mark and Lisa have been searching and evaluating personal
development courses on this topic for years. None have met
expectations to the extent of DC.
Objectives April – August: Course facilitation
The following objectives were necessary prior to beta test
execution:
1. Packaging: Professional, edgy, appealing to the mil-
lennial Future Professional. The LL Instructional Guide
should closely coincide with the course book.
2. Content: Connected to our community, i.e. “hair-
dresser friendly”, and, great enhancement to the PM
School Brand.  Initial Outcomes
3. Multiple Intelligences: Contextual application of the
MI’s, specifically B/K, Spatial, and Musical – the three
dominate profiles of our industry.
4. Turn-Key: Easy to facilitate for staff and faculty.  This
is essential as we are continually looking for ways to
empower our faculty as well as build their credibility
as industry professionals. 
5. Pricing: Reasonable on a per unit basis, not to exceed
$129/unit.  The purchase agreement must
allow for smaller bundle purchases - 15-20 Future Pro-
fessionals per class start.
6. Time efficient:  Lesson plans should allow for a 60
minute session per chapter, total 9-10 hours.
Details
Dollar Camp Collaboration Roundtable – Facilitated by Mark
Palermo and Troy Kloewer.
On April 7th, VCC hosted a half day in-house train-the-trainer
session with a focus on Dollar Camp. Following a brief opening
by Mark, a 90-minute breakout session took place whereby the
© DollarCamp 2009 Financial Survival Skills Training For Future Professionals Attending Paul Mitchell: The School
rooms set up as learning centers. The learning centers con-
sisted of colorful posters and props that supported the message
of the designated chapter. All faculty and staff were involved
in the brainstorming session. Mark and Troy floated between
breakout groups providing coaching and guidance. The level
Following the collaboration session, each team conducted a
15 minute presentation on their chapter’s lesson plan to elicit
feedback from the other participants, whose purpose was to be
the “sounding board”.
Timeline
October 08’ – January 09’: Worked directly with DC on kit
(book), course, and LL instructional guide design. Presented
prototype to VCC enrollment.
February: Gained commitment from approximately 50% of
enrollment, who paid cash for the kit.
March 24-25: Official launch to faculty, staff, and enrollment.
April 14th – Chapter 1 June 23rd – Chapter 6
April 28th – Chapter 2 July 14th – Chapter 7
May 5th – Chapter 3 August 11th – Chapter 8
May 19th – Chapter 4 August 18th – Chapter 9
June 16th – Chapter 5
Based the initial phase of the beta test, we have recognized the
following:
1. F
 aculty and Staff: Very excited about the opportunity
to expand their instructional capacity as well as the
impact on their personal well-being.
2. Admissions: Skeptical parents had an immediate
change in perception of “beauty school” once Dollar
Camp is presented as part of the tour.
3. F
 inancial Aid: The Financial Aid Leader sees this as
a loan default remedy and deterrent tool. She also
believes NACCAS/DOE will find value in the initiative.
4. Culture: Future Professionals have expressed appre-
ciation for the initiative, specifically for our care and
concern for their personal well-being.
5. S
 alon Community: After presenting to salon owners
during the JPMS Spring Trend Tour (over 400 in at-
tendance), salon owners overwhelmingly applauded
the initiative. So much so that many are interested in
taking the course.

 Implementation Timelines

Self Study description days weeks

Order Placed Minimum Order of 20 Units Day 01 Week 01

Delivery Product Arrives Via Ground Shipping Day 10 Week 02

Live Launch Stephen Epstein / Music, Presentation, Decorations,

and Q&A TBD TBD

Student Begins Course Approximately 12 Hours of Homework, Includes

Reading, Audio, and Exercises Day 35 Week 05

Online Certification 2 Hour Online Quiz Day 68 Week 10

Graduation Instructor Issues Certificates of Completion Day 70 Week 10

* Optional live launch fee extra No classroom time required / 4 weeks minimum
course time / 1 hr prep time

Self Study &

Classroom Workshop description days weeks

Order Placed Minimum Order of 20 Units Day 01 Week 01

Delivery Product Arrives Via Ground Shipping Day 10 Week 02

Staff Mini Summit Learning Leaders Receive Kits for Review and Select
DollarCamp Facilitator Day 14 Week 02

Facilitator Review Complete Facilitator completes review of kits and workshop

materials, DollarCamp Q&A Day 30 Week 05

Live Launch* Stephen Presentation / Music, Presentation,

Decorations, and Q&A TBD Week 10

Students Begin Course Approximately 12 Hours of Homework, Includes Day 35

Reading, Audio, and Exercises

Classroom Workshop #1 Chapters 1-4 Presented Over 4 Hours Day 54

Classroom Workshop #2 Chapters 5-9 Presented Over 4 Hours Day 68

Graduation Instructor Issues Certificates of Completion Day 70 Week 10

* Optional live launch fee extra 8 hrs classroom time required / 8 weeks minimum
course time / 6-8 hrs prep time

© DollarCamp 2009 Financial Survival Skills Training For Future Professionals Attending Paul Mitchell: The School 10
 PMS Preferred Pricing

Highly Discounted PMS Pricing* cost/unit quantity total

Introduction to Cash & Credit Kits for Future Professionals $110.49 50 $5,524.50

Monthly Conference Call with Stephen Epstein FREE 12 FREE

Workshop Lesson Plans FREE 4 FREE

Access to Online Support Forum for Learning Leaders FREE 10 FREE

Student Online Certifications (varies w/ program format) TBD 50 TBD

Program Cost for Paul Mitchell Schools $5,524.50

*Shipping cost for kits not included (approximately $2/ unit)

PLEASE NOTE that students can either pay for DollarCamp as an elective when it is offered to them in class or it can be included
in the cost of tuition or kit payments. Over 50% of students voluntarily purchased the program when it was offered mid-semester
in the Louisiana schools.

© DollarCamp 2009
 Order Form

Name Date

Address

Telephone Email

ITEM DESCRIPTION units price/unit total

Introduction to Cash & Credit - C&B Edition $ 110.49

Optional Live Launch

(please give preferred presentation dates in notes section) $ 2,000.oo

Shipping Cost (approximately $2 / unit)

Tax 0.00%

Total

ORDER NOTES

Dates

Terms Please provide payment in full with each order

Tax Please provide reseller identification information for no sales tax

Shipping Please write school name and delivery address at top of order form

Delivery Units will arrive by freight within 3 weeks of receipt of payment

Please make checks payable to:

DollarCamp C&B, LLC

c/o Stephen Epstein | 7009 Trolleyway | Los Angeles, CA 90293 | stephen@dollarcamp.com | (415) 240-6545

© DollarCamp 2009