35 Financial Times

© Minority Mindset, LLC. All Rights Reserved.
1
Minority Mindset Presents:
The Financial Times

Breaking
News!
Goods & Services are
Critical to our
Economy!
Article 1
Money is a resource we trade for Some services are voluntary – A service is any action we can pay
goods and services. your mom makes you dinner someone to do for us. Some other
Goods are tangible items we buy. without getting paid. A volunteer examples are lawyers, babysitters,
Goods can be products that we at the library might read a story or and teachers. Sometimes goods
want or need. Some examples are do a puppet show for free. Other and services are combined. When
crops grown for food – wheat, services are an economic trade. you eat out at a restaurant, the
corn, and other fruits and In our society, people are usually chef will cook your food. That is a
vegetables are goods. Clothing, specialized – they are good at service. Your waiter will bring you
furniture, cell phones and specific things. If I am a food and drinks. That is also a
televisions are also goods. Goods newspaper writer, I might not be service. But your meal and drinks
and services can both be separated able to fix my own car. I can pay a themselves are goods – tangible
into wants and needs. mechanic to provide the service of things that you can eat and drink.
Services are things people do for fixing my car. I can pay a barber to Can you think of some other ways
each other. cut my hair. goods and services are combined?
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© Minority Mindset, LLC. All Rights Reserved. 2
Income is money coming in. Article 2

To live in society, we need money to pay for goods and services. We need somewhere to live. We need to
buy clothes, food, and gas. Many people earn money at jobs. People may make an hourly wage. That means
for every hour you work you get $12. People may make a salary. You may get $2,000 a month or $50,000 a
year no matter how much you work. People may make tips. That means people pay them more than their
bill and the worker gets to keep the money.
People might make or sell goods to earn money. People can provide services to others to earn money.
Money can come from other places, too. Income can come from interest on savings accounts. Income can
come from investments. Money can come from starting a business. As the owner of a business, you get to
keep the profits. All of these are sources of income.
The money you earn is called income. Businesses call it revenue. After you earn your income, you have to
pay expenses. For people that means you pay have to pay taxes, bills, and save for your future. You use
whatever is left to spend on fun purchases, shopping, and your food.
Businesses also need to pay expenses. They need to pay wages to their workers, rent on their building, and
for materials to keep the business running. They might need to buy supplies to make a product. Then, after
paying these expenses, the business has to pay taxes on whatever is left. After business expenses are paid,
what is left is the business’s profit.
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Expenses are expensive! Special Report Article 3

Residents report that there has been a Then there are living expenses. Most Another thing people can do with
slew of missing money! They are households pay rent or a mortgage their money (after paying for
asking, “Where is my paycheck?!” payment every month. Families need expenses) is save it. These people are
to buy groceries and pay the electric careful spenders and make sure they
This reporter did some investigating bill (you like heat and TV, right)? put money away before it gets spent.
and discovered adults everywhere Other common household expenses Spending money is easy! Activities
paying bills. include cell phone plans, cable TV or like shopping, going to the movies,
Maybe we should take a deeper look streaming services, and garbage pick- and visiting amusement parks add up
into these vanishing paychecks. up. Families with children also buy FAST.
clothes and shoes because children
It turns out that after people get paid, grow fast. Tablets, laptops, cell Having a plan for your paycheck helps
they have expenses to take care of. phones, and other electronics can be you make good decisions about where
One expense that often comes right other big expenses. your money should go.
out of the paycheck is taxes. 25 – 30%
of your income can go right to the
government.
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Expenses are expensive! Special Report continued

The Tans are a family of three. Below is the shocking report of their vanishing paychecks!
Mr. Tan’s salary for May The Tan’s Bills Extra Expenses
was $2,400. He received Mortgage: $1100
Phones: $325 Going to the movies: $90
$1,800 on his paycheck.
TV & internet: $250 Dinner at a restaurant: $125
Car payment: $375 Trip to the zoo: $75
Mrs. Tan made $2,600 Car insurance: $175 New shoes: $50
in wages. Her paycheck Electric bill: $350 New phone: $500
was $2,100. Water Bill: $ 25
Groceries: $400
Extended Supplement: Choices of ways to pay! Article 4

You read about using plastic payment cards in a previous article. It was mentioned that the card readers
in stores are not “magic money boxes.” Let’s investigate where the money for these payments come from.
Credit cards are the most popular way to buy things. When you buy groceries from the store with
your credit card, your bank is the one paying the store for your groceries. At the end of the month,
you have to pay your bank back. Be careful! Credit cards charge interest, which means if you don’t
have enough money to pay the bank back, you will have to pay more than you borrowed. These
interest payments can get very big, very fast. The quicker you pay off a credit card, the more of
your money you get to keep.
Charge Cards look and act like credit cards. You are not using your own money. You are borrowing
money from the card company or bank. Charge cards are also different from credit cards in an
important way. Charge cards get paid off every month. You don’t have to pay interest on the
money. Be careful, because if your payment is too hard it can take money away from other things
you need.
Debit cards can look just like credit cards! Sometimes they even have a Visa or Mastercard logo on
them. But, debit cards are very different! When you get paid, some or all of your paycheck goes
into the bank. This card is hooked up to the money in your bank account. Instead of paying with
cash, your bank account gives the money directly to the store. You are spending your own money,
so keep track of how much you spend!
ATM cards are the first kind of card most kids get. You use a number code in an ATM machine to
take out cash. An ATM card is hooked up to your bank account. You can only take out money that
you have in the account. Some cards work as a debit card and an ATM card at the same time. Both
are using your own money.
Gift cards do not use your money, and they don’t use borrowed money either! Someone else
already paid the money to the store. When you buy things with a gift card, they are already paid
for.
Cash is the form of the money we use when we pay with debit or ATM cards. Some kids save coins
in a piggy bank. That is cash. You can keep paper bills in a wallet or a safe. Be careful! If you lose
your cash, it is gone!
3
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Do I need it? Or want it? Article 5

Have you ever really thought about what you really NEED to live? Humans are mammals,
so we need air to breathe. We need food and water, and plenty of sleep. We can’t get too hot
or too cold or our bodies will get sick. Homes that provide shelter are something we need to
help us stay warm and dry. Human children take a long time to grow up. They need parents
to care for them until they can care for themselves.
Humans also live together in society. There are things that we do in order to live together
peacefully. Most of us follow the rules and laws of the area where we live. We wear clothes,
which also help us say warm. We need money to buy the things we want or need. That
means we also need a way to get money, like a job or a business. In most human societies,
children go to school to learn how to read, write, and do math. School also helps kids learn
how to have relationships with each other. Relationships are important in a society. Sports,
hobbies, or other activities that interest us are also important to many people.
Living in society also makes us want things. If we lived in a cave long ago, we would want
food. We would want to be warm, and we would want to stay away from saber-tooth tigers!
Now that we live in houses and have plenty of food, we want different things. We want
things we see our friends have. We want things we see ads for on TV, YouTube, or the
internet. We want things we think are new and better that come out.
Wants are tricky to manage. We have limited resources, and when we spend our money
it’s gone. We can’t spend more until we get more. Usually that means earning it. The whole
point of businesses is to get you to spend your money. They spend money to make you want
whatever it is they sell. Because we are social creatures, advertising really works! Part of
developing a healthy relationship with money is learning this about ourselves. When we can
say no to spending money on things we don’t need, we can use our money to make our lives
the way we want it.
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© Minority Mindset, LLC. All Rights Reserved. Module 2 pg. 1
The Financial Times
READ ALL
ABOUT IT!
Healthy Choices
Make Healthy
Bodies
Article 1
I’ll bet you thought this was a When you’re sick, or not healthy, In our modern society, it is also
newspaper about finances! You the only thing on your mind is to much easier to eat very unhealthy
thought right. But listen, readers, get healthy again. It’s very hard to foods. Fast food restaurants work
there’s more to life than just being do anything productive when hard to make you want to eat those
financially fit. You have to be you’re not healthy. This is why the delicious French fries. They want
happy & live a fit life so you can first part of living a fit life is to be you to buy their cookies and drink
enjoy being financially fit. physically fit! their soda. Fast food is quick and
Think of your life like a triangle. cheap, so people think it’s the easy
The base of the triangle is the most The difficult part is that modern choice to make. But, like watching
important part. It is the base that society makes it easy to make TV or playing video games, eating
keeps the other parts stable. choices that aren’t the best for us. junk food is only ok if you have a
As you can see, physical fitness is How many hours a day do you little bit occasionally.
the base of your life triangle. I spend watching TV? What about
don’t mean fitness like you have to playing video games? Or playing Eat too much if it, and it can be
be an athlete! I mean fitness like on your phone or computer? very harmful to your body or even
making healthy choices, getting make you sick!
enough exercise, and feeling good. Have you ever heard of a “couch
potato”? A couch potato is
Do you remember the last time someone who sits or lays on the
you were sick? How did you feel? couch for a long time. It can make
Probably not good, right? you look and feel like a potato!
Nutritional Supplement
Be an active learner! Highlight the important
information in the article.
Experts say growing kids need to eat healthy foods! Growing bodies need vitamins, protein, and other
nutrients to build strong muscles and bones.
The fuel you get when you eat food is measured in calories. Kids your age should eat 1,500 to 2,000
calories a day. If you are growing really fast, or are very active, you might need more calories. These
calories should come from a combination of different foods. For example, part of the calories you eat every
day should be from 1 to 2 servings of protein. Kids should also eat 5 servings of fruits or vegetables, 1
serving of whole grains, and 3 servings of low-fat dairy products.
Unhealthy foods have ingredients that aren’t good for you. They add too many calories to your diet. Often
the calories are from fat or sugar. Fat and sugar add calories to your diet, but no nutrition. Kids should eat
less than 40 grams of fat per day. Fats from fish, nuts, and avocados are healthier than fat from French
fries and pizza.
A huge problem with children’s diets is sugar. Dietary guidelines say kids should only have 25 grams of
sugar per day. Even a cup of fruit juice has that much sugar in it! Fast food soda, cookies, and breakfast
cereals can make the sugar add up fast. Many people (kids AND adults) eat or drink way too much sugar
every day.
Exercise is also important to keep kids’ bodies healthy while they are growing. Many kids sit in class all
day, play video games after school, and maybe have PE twice a week. Did you know you should be getting a
whole hour of exercise every day? Exercise is a way to burn off extra calories. It also develops healthy lungs,
muscles, and bones. Plus, exercise is really fun.
Part of developing a fit life is making good choices. Making good choices over and over will turn into good
habits. Good habits will help you grow up fit and successful.
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Healthy Minds are Happy Minds Article 2

Looking back at our triangle, you It can also help us feel peaceful to Our final topic in this article is
can see that being mentally fit is spend time doing activities we like. relationships. They are so hard!
the next priority. We thought For some people that is exercise. They can feel extra hard when you
already about feeling sick and You might love to run, hike, or are young. We can’t control other
wanting to feel better. When we play a sport. Working hard to get people. We can try to be a good
feel bad emotionally, we also want good at something can give us person ourselves. If you have
to feel better. discipline. Discipline helps you problems with a friend, try to work
Mental health is a very serious make choices that are good for it out. If someone is not a good
issue. Being a person and living in you. friend to you, take care of yourself.
society can be hard! Relationships If someone says they’re your friend
can be tricky. We can all do our Another thing that can make our but hurt you, get help right away.
part to be a good friend. We can minds feel peaceful and happy is It is easier to have a fit mind with
work to feel happy in our lives. We having a hobby. Gardening, good friends and family in your
can also ask for help if we feel sad playing an instrument, or sewing life.
or mad for a long time. are activities that people enjoy
doing. Hobbies often help you
One thing we can do to work make or do something that is
towards a fit mind is to be useful. It is useful to sew a quilt. It
physically fit! Exercise makes your is useful to grow plants. It is useful
body and your mind feel good. to play music. Feeling useful
makes us feel good on top of
enjoying the activity.
Finding Your Purpose Article 3

The next part of the triangle, almost to the top, is having a fit purpose. As kids going to school, your
purpose is to learn at school. Your purpose is to play at recess, have fun, and grow up. Being a kid is
awesome.
A purpose it like a goal. It is something that you work towards every day. In modern society, a purpose
makes you feel like a good person. What are you doing to make the world a better place? Having a purpose
helps people work towards being better people.
As kids, you probably don’t know what you want to do with your life yet. Or, maybe you do! Either way it is
OK. You can spend time exploring what things make you happy. You can spend time thinking of ways to
help others. You can even start doing those things now! When we work towards a purpose it gives us a
reason to get up in the morning. One great purpose you can have now is to do your best at school. You can
work towards being the best friend ever. We can have many great purposes in life.
You might want to focus on being a great member of your family. Helping out, being responsible, and
loving you family members are a great way to do that. If you love animals, you can volunteer to help out at
shelters or even walk your neighbor’s dog. Some people want to help people who are homeless or need
food. There are kids who have even started businesses just to help people in need. There are many
opportunities to do great things in the world.
Some people might think their purpose is to make the most money. Or, maybe they want the biggest house
or the fanciest car. They will learn that money doesn’t make you happy. You have to already BE happy to
enjoy your money. That is why a purpose is so important. Together with being physically and mentally fit, a
fit purpose gives you goals to work towards. Working to be a better person is always a good thing!
What is MoneyFit? a letter from the editor. Article 4
The very tippy top of our triangle is financial I have learned, smart readers, that there is another
fitness. We’ll call it MoneyFit. This is a goal you way. Instead of giving your money to companies
can work towards when your other, more basic and banks, you can use it to make more money. It
needs are met. really helps to learn about this when you are
young. Being Moneyfit means you know how to
Learning how to be MoneyFit is the point of these make the choices that will help you work towards
lessons! You are going to learn so much about how that goal.
to make good choices with money for your future.
The reason I wanted to write these articles for you Being MoneyFit is about living your life the way
is that I have had a lot of experience learning how you want to. You can have the job you want – or
to be MoneyFit. As wonderful as our modern not have a job at all! You can work as much as you
society is, many people are NOT MoneyFit. It is want, and you will be able to have nice things you
too easy to spend your money without making want. Plus, you’ll have the freedom to take days off
careful choices. It is too easy to listen to when you want. And in the end, you will have the
advertising and give companies our money. When resources to help the people you care about. You
you get older, it is super easy to use credit cards can help your friends and family. You can also be
and borrow money. There goes more of your super great and help those less fortunate than you.
money! It is even easy to look at what your friends Are you ready to start?
have and want it for yourself.
Module 3 pg. 1
The Financial Times

Extra!
Extra!
Read all about it!
TO WEALTH
Your Money, Your reate a financial
Article 1 base.
Friends, & You
Kindergarteners who struggle with They set financial goals and use MoneyFit choices.
behavior at school are described as discipline to achieve them. Once If you are spending your money on
having “poor impulse control.” they are MoneyFit and have plenty things just because they are
Impulses are strong, sudden of resources, they can start trendy, you are not making
wants that can come out of the enjoying the finer things in life. MoneyFit choices. If you are
blue. At your age, impulses can get buying things just because
better and worse at the same time. Yes, I also said impulses can get “everybody has one,” those are not
worse at your age. It’s true! As you MoneyFit choices.
As you get older, you develop get older, your friends become Wanting nice things is absolutely
impulse control. That is the more important. Wanting OK! Liking trends in clothing,
ability to recognize an impulse and acceptance from your peers can phones, and games is absolutely
tell it, “No.” Becoming more make you willing to do things that OK! The Minority Mindset says to
mature means you can also be are impulsive. One word for it is wait and limit your spending until
more goal-oriented. You have peer pressure. Peer pressure can you can afford it. Say no to a
goals for the future that you are mean that your friends are trying purchase today so you can have
working towards. Today you can to talk you into something (good more money for the future. It can
say no to your impulses. Saying no or bad.) It can also mean that you feel hard at first. But like anything
to your impulses is called make choices based on what you that requires discipline, making
discipline. think your friends will think. MoneyFit choices gets easier over
Peer pressure is a big obstacle to time. You learn to value your
Being MoneyFit is a lot like using becoming MoneyFit! money as a tool. It is a tool you
impulse control and discipline. If you are making money choices don’t want to waste.
People who are MoneyFit can say based on what your friends will
no to their impulses. think, they are probably not
Advice Column: Create a Financial Base. Article 2

Dear Readers,
Remember the base of our triangle in the last issue? That base made the triangle strong and stable. When
we talk about building a financial base, we mean the same thing. We have a strong, stable base of
resources.
The first step to creating a strong financial base is to spend less money. Most of us aren’t taught to think
about how we spend money. This gets many older people in trouble. Once you learn ways to cut back on
spending it gets easier. It can even be fun!
One easy way to cut back on spending is to choose activities that are free. Kids like to do things with their
friends and families. Often, these things can get expensive fast! Trips to the movies, shopping sprees, and
dinners at restaurants are fun. They also cost a ton of money. Making different choices about activities can
make a huge difference in your budget.
Think for a minute about things to do where you live. There are probably parks where you can go with your
friends for free. Hiking, bike riding, and swimming are all healthy activities that are also cheap. Try to
substitute an expensive activity with a free activity once a week! Instead of taking your friends to the
movies, you can have a movie night at home with popcorn and sleeping bags. Instead of going shopping
you can have a yard sale and make money instead of spending it.
Another great way to cut spending is bargain hunting. Bargain hunting means you go looking for less
expensive choices. This can mean you buy an item you really want on sale. It can also mean you buy
another item that works but is less expensive. Bargain hunting can also be fun! Looking for deals is like a
game. Keeping track of the money you save is rewarding.
There are different levels of bargain hunting. The first is to shop for the items you really want on sale. For
example, maybe those jeans are $30 instead of $59. The second level is shopping at cheaper stores. You
might not get the exact item you want. You will get an item that works just as good. So maybe now instead
of $59 or $30 you can get a pair of jeans for $12. The third level of bargain hunting is buying used items.
Thrift stores can have killer deals on clothes, books, and toys. You might even get those $50 jeans for $4!
Yard sales are another way to buy used items for cheap. Remember, part of the fun is hunting for the
bargains.
Minority Mindset is a shift in your thinking. You change your mindset to make keeping more of your
money the priority. It can be a valuable practice for your whole family.
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The Cost of Opportunities Article 3

We talked a little bit about opportunity cost in an earlier issue. This will be a more in-depth feature. Our
readers want to know more!
Just to review, opportunity cost is losing whatever opportunity was in the choice you didn’t make. If you
spend $20 on a music album, that $20 is gone. You could also start a lemonade stand with that $20. You
could make another $20 at your lemonade stand. The opportunity cost of buying the album is the $40 you
could have had.
Another example is saving your money in the bank. Your money is safe there. You can go get it if you want
it. But having your money in the bank isn’t going to MAKE you any more money. Making money from
your money is the opportunity cost of leaving your savings in the bank. People who get wealthy put their
money in investments. They might invest in houses or buildings. They might invest in the stock market.
They might invest in themselves and start a business. The opportunity cost is keeping their money safe
and sound. But they have the opportunity to increase the amount of money they have.
Please understand, readers, that there is an opportunity cost to every choice. This does not mean you
should never buy what you want. It means you are aware that you have a choice. It means that you make
the best choice for yourself. When it comes to getting MoneyFit, it means you make choices that help you
get closer to your goals.
Think of it this way. It makes sense to make healthy choices for a fit body. Then you feel good and can do
the things you want. It makes sense to make healthy choices for a fit mind. Then you feel happy and can
enjoy your life. It makes sense to develop a fit purpose because it helps give your life meaning. It also
makes sense to make MoneyFit choices. It might take some discipline, but it will get you closer to being
financially fit. Think of opportunity cost as an opportunity to be successful.
Special Report: Kids Can Earn! Article 4

What are some ways you currently get money? Do you get an allowance? Do you earn money from chores?
Do you get money for your birthday or holidays? Not bad.
Here is another thought. Do you know what an entrepreneur is? An entrepreneur is someone who
invests in an opportunity they see to earn money. Kids like solving problems. Kids would like more money.
Therefore, kids can be entrepreneurs, too!
One way to be an entrepreneur is to start a business. You can start a business that provides a service.
Mowing lawns is a service. Walking dogs is a service. Washing cars is a service. These are things people are
happy to pay money for. People are busy and don’t want to do these things themselves. People also like
kids who are making good choices. They will want to support you by hiring you. Of course, you have to do a
good job. You need to be responsible and trustworthy.
You can also start a business selling a product. An earlier example was starting a lemonade stand. You can
buy inexpensive ingredients and make lemonade. When you sell the lemonade, you make a profit. You can
also buy things (candy, popcorn, or T-shirts) and sell them for more money. You can make things like
friendship bracelets, necklaces, or greeting cards and sell them, too. Be creative! People like to see kids
taking initiative. If you have a good product at a good price, they will buy from you.
One last example of a business kids can start is a non-profit. But wait, you want a profit, right?! Non-
profits are started to help others. Sometimes kids see others in need and want to do something about it.
Some examples are meal programs, backpacks with supplies in them, or places for people with disabilities
to work. In these examples, the money made is used to help others. At the same time, a project like this is
GREAT business experience. Sometimes experience is the best investment you can make.
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Strategic Saving Article 5

A strategy is a method you use for a reason. When you are adding, you might use the standard algorithm
strategy because it is organized. When you use it your answers are accurate. The strategy works for you.
Strategic saving means you are saving a certain amount for a reason. Remember, money sitting in the
bank isn’t going to make you rich!
The first level of strategic saving is an emergency fund. As a kid, your emergency might be that you are
suddenly invited to a birthday party. You need to buy a present, but you have money for it. You might
forget Mother’s Day, but you have money so you can run out and buy some flowers. But face it, kids don’t
usually have financial emergencies.
Emergencies for adults can be very serious. If a car breaks down, it can cost thousands of dollars to fix. If
you get sick, you might not be able to work. If your pet gets sick, vets are very expensive. An emergency
fund is money saved to pay for these things that happen unexpectedly.
An emergency fund stops people from going into debt. This short little word can cause big problems.
Debt is what you get when you borrow money. If you need something and you can’t afford it, you might
borrow money or use a credit card. Now you have to pay the money back. You also have to pay extra
money (interest) for borrowing the money. You have to make extra, extra money just to catch up.
Kids probably don’t have to worry about debt. Parents probably do.
It is good to learn about debt while you’re young. Then you can make better choices when you get older.
Not paying interest to borrow money means you keep more of your money. For adults, paying off debt is
the second step of strategic saving. The faster they pay off their credit card, the more money they get to
keep. The same goes for the car payment, home loan, and student loans. If you borrow money, always pay
it off as fast as you can.
The final step for strategic saving is saving money to invest. Investments are going to put your money to
work. You will earn more money than if it sits in the bank. Save the amount you need for the investment
you want to buy. Then, make the investment. If you have your saving account, and no debt, you are on
your way to being MoneyFit!
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The Financial Times

Money News
Monthly
Report
TO WEALTH
Investing 101: ead your money
Article 1
Investing for kids.
Faithful readers, we have put in a The Minority Mindset focuses on Two, kids have shown time and
lot of work to get to this point! We investing as a strategy to break this time again that they can do
have learned about having both a debt cycle. Buying investments can anything they put their mind to! If
solid physical base and a solid generate passive income, where you have the drive to become an
financial base. Once these things you are making money without entrepreneur at an early age, do it!
are taken care of, it is time to going to work! Passive income can
“Lead Your Money!” generate enough that you can live Investing, like many things in life,
What does it mean to lead your a comfortable life without going to comes with risks. Sometimes
money? It means you are the boss a job. If you want, taking care of investments will fail or lose
of your money. The majority of your investments can be your job! money. These days scammers are
people work for money. You are everywhere trying to get your
going to put your money to work As kids, your investments are money. With enough investments
for you! going to be different than when you will be protected from these
you are adults. Two things are also losses hurting you financially. The
In our society, people let money be true. One, if you grow up already alternatives are just not going to
the boss too often. They try to get having a Minority Mindset, you provide you with a successful
money just so they can spend it. will be making MoneyFit choices lifestyle! Spend too much, and you
They spend it on things they think from the beginning. will be spending all of your money
they want or need. When they on interest. Saving a lot means
can’t afford what they want, they your money is basically just sitting
borrow money to get it. This can in the bank. Put your money to
lead to a lifetime of debt, extra work for you!
interest payments, and financial
stress.
There’s Nothing Passive About Passive Income! Article 2

You keep reading about this concept of passive income. But, what is it REALLY?
Passive means that you did not have to go out and physically work for the income. Don’t get me wrong – you worked
for that money! First, you saved what you needed to buy the investment. Then, you did research to make sure it was
a smart choice. And you probably spend some time keeping an eye on how your investments are doing. But once you
do that, the passive income just keeps rolling in. You put your money to work for you. Let’s look at a few examples of
passive income.
If you buy a house to rent out, that is an investment. The same goes for an apartment complex where many families
live. And office buildings, where someone could run their business. If you saved enough to buy it outright (with cash
savings), those payments every month are passive income. You already did the hard part, and now you will keep
getting paid. If you borrowed the money to buy the property, you will have to pay the bank a portion of your passive
income.
Another form of passive income is interest payments – where you become the bank. If you loaned someone money,
they will pay you back over time. Included in those payments will be interest. They are paying you for borrowing
your money. You can also get interest payments from your bank account through your savings account or CD. This
interest you get tends to be a much smaller amount.
Many people invest in the stock market. You can buy individual stocks to invest in a company. You can also buy a
bunch of stocks bundled together in funds. Some stocks pay shareholders (people who own stocks) cash payments
called dividends! That means you’re getting money deposited into your bank account just for owning a stock.
Dividends are passive income. But remember, not all stocks pay dividends. Hopefully, while you own a company’s
stock, it will get more valuable. You can also make money through appreciation which is when you sell your stock for
more than what you bought it for.
A final, easy to understand form of passive income is royalties. If you write and publish a book, you will get paid a
part of each book sale. Yes, you did work to write that book. Then, if people keep buying your book your royalty
checks just keep rolling in. The same is true of writing a song that gets sold and played. Licensing fees are also a kind
of royalty payment. If you invent something and license it, people will pay you to have permission to use their
products.
Work hard to come up with great ideas for investments, and you can have passive income coming in!
Different Kinds of Budgets Article 3

Before we investigate investing in more depth, let’s look at different ways to make your money work.
A budget is a spending, saving, and investing plan. Without a budget, people often find that their money
for the month has been spent. They make money, spend it, and then try to save and invest whatever is left.
Then, they ask themselves, “Why am I always broke?” They may not be able to buy things they want. They
might need to borrow money to buy things they need. This is a stressful and depressing way to live!
A Minority Mindset budget uses the opposite of that strategy. Instead of spending first, you invest your
money first. Then, you spend whatever is left after saving and investing. You have to make your spending
habits fit that model.
Here is an example. Let’s say you go to the grocery store without a budget or plan. You buy everything you
need, plus many items you don’t need. You go check out, and your bill is $150! Now, what if you went to
the same store with a list and a budget of $75? You check the prices of what you buy, choosing the best
deals. You only buy what you need. You might even keep track of how much is in your cart with a
calculator. When you check out, your bill will be $75 or less. You have $75 more dollars still in your pocket
than the first shopping tip. There is a lot you can do with $75!
Today you will be working with different ways to allocate your money. The idea is to practice spending and
saving it in different ways. Then you can see for yourself which choices are MoneyFit.
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Monthly Expenses
Use these bills for your calculations for part 1 of assignment 3. The bottom set of bills is for part 2.
Rent Cell Phone / Internet Car Payment

/ TV bundle
$500.00 $250.00
$100.00
Due on the first due on the 1st due on the 15th
Car Insurance Water Bill Electric bill

$50.00 $42.00 $75.00
due on the 15th due on the 1st due on the 1st
Credit Card payment Gas for your car

Groceries
$250.00 $25.00 a week
$75.00 a week
due on the 20th
Car Insurance
Water Bill Electric bill
$50.00 $42.00 $75.00
due on the 15th due on the 1st due on the 1st
Cell Phone / Internet

Gas for your car
/ TV bundle Groceries
$25.00 a week
$100.00 $50.00 a week
due on the 1st
4
What Does It Mean To Invest? Article 4

You have read many articles using the word “invest”! Today our report includes everything you need to
know.
To invest your money is to use it to buy something that will grow your money.
One popular investment is real estate. Real estate is a home or business building. If you sell that property
for more than you bought it for, you will make a profit. You used your money to make more money. What
can even be better is to rent your property out. Then, you still own the property. Plus, people will pay you
every month to live there or run their business there. Incoming rent payments are passive income. You
already did the work, and now the money keeps coming in.
Another popular investment is in the stock market. Stocks are like little pieces of a company. You buy
little pieces and the company uses that money to improve. If the company’s stock gets more valuable, you
will make a profit if you sell it. Or you can hold on to the stock over time and it could continue to get more
valuable. Some stocks also pay dividends to shareholders. Dividends share the company’s profits with
everyone who owns their stock. Dividends are passive income – the payments just keep coming in.
There are many, many other ways to invest! The financial markets in the world are very complex. You can
learn more about that as you get older. What is important to understand is the difference between saving
and investing.
There are many different interest amounts you can earn in a savings account. Interest amounts change
over time, but let’s look at some examples. If a regular savings account earns 0.05% (you can read this as
5/100ths of a percent), you will earn 5¢ on $100. You will earn 50¢ on $1,000. That is not very much, is
it?
Some savings accounts or CDs pay about 1% interest. Then, you would make $1 on $100, or $10 on
$1,000. Hmmm, that still doesn’t seem like much! Some banks offer “high yield” accounts that can pay
2.5% or so. We are getting warmer, you’d make $2.50 on $100 or $25 on $1,000.
Over time, MoneyFit investors have figured out that you can make way, way more than that investing.
With enough money invested, you can make money even if one of your investments fails or loses money.
If your investments make 7%, you can make $7 on $100 or $70 on $1,000! We can keep calculating that
out, too. A 7% return is $700 on $10,000 and $7,000 on $100,000 investment. Now look back at the 5
cents you earned in the bank. Which would you rather have?
So, MoneyFit readers, there you have it. Investors get paid for using their money in a smart way. They are
taking a risk, but in return they earn more money than they could leaving their money in the bank.
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Consumer or Investor, Which Do I Want To Be? Article 5

In our previous feature, you started to get a glimpse of the financial facts. When we take new information
and apply it, that is real learning!
Let’s explore the different mindsets further.
The American economy runs on money, of course. Corporations (huge companies with tons of smaller
parts) want to keep increasing their profits. They do this by selling more products. One way they can do
this is through advertising. Ads are everywhere! They are designed to make us want this, that, AND the
other thing. Advertising really works.
A majority of people have a consumer mindset. Money is for spending. When you run out of money to
spend, banks and credit cards are more than happy to loan you more. This sets up a consumer cycle that
often gets people stuck. They spend too much because there is always something new to buy. They pay
more than they could because of borrowing and paying interest. By the time the cycle is done, and they’ve
paid everything off, the newest cell phone is released ($800). The newest sports car comes out ($80,000).
Or, something breaks and they need to buy a new refrigerator. Believe it or not, they can cost as much as
$8,000! Not having $800, or $8,000, or $80,000 means the debt cycle starts all over again.
The Minority Mindset is an investor mindset. Investors make MoneyFit choices like using a budget,
choosing free activities, and bargain hunting. People with this mindset see the debt cycle as something
that makes your life harder. They choose to use their money as a tool, rather than something you throw
away. This can result in having a great deal of passive income to live on! This can result in being the one
who has $800 to buy that new cell phone. You can be the one who has $8,000 for a refrigerator
(although, that’s crazy!). You can even have $80,000 to buy a car. No debt. No interest payments.
MoneyFit.
I’m Investing My Time. Article 6

We have explored opportunity cost in this paper in depth. Every choice we make can be looked at
as an investment. We are choosing to invest time, money, or energy into something. We trade an
opportunity cost every time.
Active investing is using your time. Right now, being a student is active investing for you. You are
investing your time to learn how to read, write, and do math. There are a couple of reasons this
concept is important.
First, anything that is worth doing is worth doing right. By getting the most out of every
opportunity, you are making the opportunity cost worth it. Someone making fit choices for their
body, mind, purpose, life, and money is actively investing in a balanced, successful future. You can
look at it as believing in yourself and investing in your abilities. You are worth the very best.
Second, actively investing your time helps you make better decisions. You can learn about money,
for example. Then you know how to make MoneyFit choices. You can learn about real estate and
stock market. All this learning is an active investment.
We have talked about passive income. We want money rolling in to use to live, play, and make
more investments. We can make the best choices to generate passive income by actively investing
our time. It is work! But like school, the time is used actively making your life better.
A Letter From the Editor: Article 7

Living a Balanced Life
We are nearing the end of today’s edition of The Financial Times! What is the point
of all of this? The point is that you can be in charge of how you live your life. By
choosing not to live a consumer minded, debt-filled life, you are choosing a
different path. It is a path that can lead to having the ability to enjoy all the things
you want for your life.
A sad part of the consumer-mindset is often living an imbalanced life. You know
how to have a fit body, mind, and purpose. Many grown-ups lose sight of how
important this is! One way they try to dig out of the debt cycle is by working more.
Family time can suffer, exercise time can suffer, and adults end up exhausted. The
amount of extra money earned is not quite enough to make their lives better, and
now they are even more stressed out.
Another part of that imbalanced life is living this lifestyle for too long. Working and
living under stressful conditions until you are 68 years old is putting off really
living.
Part of the freedom possible with a Minority Mindset lifestyle is a balanced life.
You can choose how you spend your time, and make sure there is time for what is
important to you. Time to play sports, hang out with friends, and play the piano
can all be possible in a balanced life. You can work hard as much as you choose to.
You can also take time off when you choose to.
Don’t wait and put off enjoying yourself. Make choices that allow you to do what
you want from an early age. Part of that balance is having financial resources to do
what you want and need. Will your life be perfect? No. Will things go wrong?
Definitely. But you can get through these experiences with a solid base.
Until next time, dear readers, stay MoneyFit!
Module 5 pg. 1
The Financial Times

Life
Changing
News!
TO WEALTH
Responsibility, nterest free living!
Article 1
Borrowing, & You
As students in school with your Adults build trust to borrow You should always return it when
friends, you probably borrow, money by showing that they will you said you would. When you are
lend, and share all the time. It pay it back. When you are young a responsible borrower, people will
seems natural when you spend so and have your first job, you might trust you with their things.
much time together. When you get get a credit card with a low limit.
older, borrowing turns into a You might take out a loan to buy a Responsible adult borrowers pay
whole other issue. car. If you pay back these debts the back their loans on time. They
way you should, you show that you make their credit card payments
Have you ever lent someone a toy are credit-worthy. Banks will start every month. Loan payments and
that got ruined or lost? How did wanting to loan you money and credit card bills can add up very
that make you feel? One part of offer you credit cards. But that is quickly. When you get behind on
loaning your things to others is not always a good thing! Too much your loans, people end up not
trust. You need to trust that they credit makes it easy to over spend. being able to afford their house
will treat your things with care. It is easy to talk yourself into payment AND groceries. Or they
You need to trust that you will get buying things on credit. It is can’t buy gas for the car AND pay
it back, too. Does it change your harder to look at how the interest the electric bill. We talked earlier
feelings about sharing your things payments can hurt your financial about financial stress, and this is
with friends? It is perfectly OK to future. one form of it!
set clear limits with others about if, The flip side of this issue is your Paying credit-based bills can also
how, and when they can borrow responsibility when you are the be hard if there is an emergency.
your things. Think about what borrower. When someone loans Yes, we talked about emergency
would make you want to loan your you something, it is respectful to funds, too! If there is an
things out. What makes a good treat their things with care. It is emergency, you might not be able
borrower? responsible to keep it in a safe to make your regular payments.
place.
Article 1 continued from page 1

When that happens, you will be charged extra fees and your interest will continue to grow. Talk about
financial stress! The MoneyFit choice is to be very, very careful about borrowing money. I mean so careful
you hardly ever (or never) do it. By cutting back and living without things you don’t need, you can keep
yourself out of this kind of situation.
What can I REALLY afford? Article 2

With a consumer mindset it is hard to calculate what you can afford. Monthly payments on credit cards
seem so low. It is so easy to walk into a store and walk out with what you wanted. Sometimes you walk out
with something even more expensive.
The whole point of the different scenarios in the last module was to illustrate this point. The MoneyFit
choice is to only buy what you can afford. What you can afford is what you have the cash for. That is why
you worked so hard to create a savings account. That is why you worked so hard to make investments. Your
passive income can be part of the money you use to afford things. If you have plenty of income and
savings, you can afford to buy what you want.
Now think about this – if you have the $100 in the bank, does that mean you can afford a $100 pair of
shoes? You can buy the shoes, but you cannot afford to buy them! If you bought the shoes, you’d be all out
of money! You don’t want to deplete the cash you have all the way. Think about emergencies that might
come up. “Can I afford it?” is a complicated question.
The Minority Mindset’s MoneyFit rule for adult is that if you can’t buy 5 of them, you can’t afford 1 of
them. So if you want to buy a $100 pair of shoes, you have to have at least $500. Then you can afford it. I
know it sounds crazy, but spending all your cash can be crazy, too. This is when the debt cycle is waiting to
snatch you up! Using a credit card because you’re out of cash puts you in the double bind. You work to
replace the cash you spent so you can live. You also work to pay back the credit card. You also, also pay the
interest on the credit card.
A MoneyFit attitude is that money is a limited resource. Using it up puts you in a bad situation in
different ways. The opportunity cost of using up your cash is not having the stress of being broke.
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You know what they say – when it rains, it pours! Add these expenses to your Assignment 2 amounts.
Did you sign up for the Did you buy the cell Did you go to the
vacation? phone? Gaming Palace?
Airport taxes: $100.00 It stopped working after All Gaming Palace devices
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Everyday Needs & Special Expenses Article 3

Many Financial Times issues are coming together. Being creative about investing can generate income.
Starting a business can generate income. Using that money to save and invest generates more income.
Making different choices about spending money can allow you more money to invest. You can have plenty
and feel comfortable.
An important step no matter where you are in the MoneyFit process is budgeting. We looked at different
scenarios where people spent too much. We looked at what happens when people don’t have an emergency
fund. We even spent quite a lot of time looking at wants and needs. They really come into play when
considering making a budget.
A budget really consists of how much money you need to get through a month of living. It is important to
know how much your bills are. It is important to know what your income is. It is REALLY important that
your income be more than your bills! Going into debt to pay regular bills is NOT MoneyFit.
What is really needed as a part of monthly bills? Well, you need a place to live, so that’s important. You
need water in your house. You need someone to pick up your garbage. And electricity comes in handy for
lights, heat, and charging your phone. People definitely need food to survive, too.
When you are trying to get MoneyFit, there are some things that might need to come off that bill list. Do
you need a thousand channels of TV? Do you need the most expensive phone and plan? Do you need the
fanciest gaming system? The consumer mindset makes it seem like these things are necessities. But really,
they aren’t. You need to make your bills match your income.
Special expenses are money spent on wants instead of needs. The rule of 5 applies to special expenses as
well. Things that you don’t absolutely need, need to be saved for. That goes for vacations, designer clothes,
and that new 3D TV. Special expenses need to stay special in your mind. Going into debt for them is not
MoneyFit. Expensive items can quickly make the debt cycle too much to handle.
Make a reasonable budget. Stick to it. Follow your saving and investing plan. By generating passive income
you can get to where you can afford the finer things.
4
Module 6 pg. 1
The Financial Times

The Final
Edition!
ultiply your
TO WEALTH income
Review & Reflection: &
Article 1 e great!
Let’s Recap!
Well, readers, you have reached Once you have a healthy mean you can’t get started on
the last edition of The Financial emergency fund, your extra your financial journey. If you have
Times. We have plenty more to money can be put to work! a great idea for a business, do it!
talk about! But, first, let’s go over Remember, readers, no one gets
some of the most important rich by saving. Inflation will If you want to do something
material we’ve covered so far. always win. You have to invest creative, do it! The more time
Once money is spent, it is gone. It too! your money has to grow, the more
is MoneyFit to spend your money money you will have.
smartly. Do you have enough Borrowing money is expensive. I
saved? Do you have passive know, I know, you have read it In this edition of the newspaper,
income coming in? If there is an over and over again! So here it is we are going to be thinking about
emergency, will you have to go one more time. Paying interest on the future. It seems far away
into debt? The Minority Mindset money you borrowed is when you’re a student in school!
is a new way of looking at money expensive! Getting trapped in the But people are ready for different
as a tool. It is up to you to use the debt cycle with a consumer things at different times. Some
tool correctly! mindset will leave you broke and kids know they want to be
bummed. Get MoneyFit now and Olympic athletes when they’re
It is good to save some money. stay MoneyFit. You can have a very young. Or ballerinas, or
This is an important concept for comfortable life and buy what you robotic engineers… The sky is the
two reasons. Number 1 is that want instead of struggling to limit. If you feel like you want to
having money saved keeps you make ends meet. become an entrepreneur, the
from having to go into debt. You world is ready for you!
can pay for things with cash and Kids can earn money. Just
avoid interest. Number two, because you are a kid does not
notice it says “some” money.
College, Jobs, & Your Future Article 2
As mentioned in the article above, your future is in front of you. Have you thought about the future? You may or may
not have. Everyone is different. Some people are passionate about one thing from an early age. Some people are
interested in a lot of different things. Some people drift around looking for the right thing. Do you know anyone like
that? Everyone has that one uncle…
It is a good idea to at least have these questions in the back of your mind. For now, you should be a kid, and a
student, and a friend. You will be grown up for a long time! Enjoy being a kid now. Still, let’s think of the
possibilities.
College is a choice for the future. Some people go to college to become specialized in something. Some people learn a
little bit about a lot of different topics. College can be a good choice for the future, if that’s what you want. But like
everything else, there are pros and cons for some people. College can be very expensive, for one. Some adults
struggle with debt from college for many years. Some people just don’t dig school that much. Yes, you have to go
through school to learn how to read, write, and do math. Some people don’t want to voluntarily sign up to spend any
more time in a classroom.
Another choice for the future is an extreme specialty. There are few people in our society that choose this life. But,
they are the best at what they do. For them, their activity, whatever it is, is their job. Professional athletes fall in this
category. Competitive gymnasts, ice skaters, and skiers fall in this category. Professional ballet dancers spend most
of their time – dancing. Professional musicians are also very specialized. Their job is to go to rehearsals and
performances. Even pop stars, rock stars, and rappers are specialized workers! They spend their time working on
what they do to stay on top. To want this lifestyle, that activity is probably a part of your purpose. Or, you have to
want to be famous enough to work hard enough to get there.
Trade school is another option for the future. Trade school is where you go to learn a specific skill for a job. It is not
like college because you go to classes only to learn about your interest. Mechanics may go to a trade school. Hair
dressers go to trade school. Plumbers, electricians, and appliance repair people go to trade school. Skilled tradesman
can make very good money! Especially if they start their own business. Some people go into a trade because they
love that trade. People love working with their hands, or getting to drive around and meet other people. Other
people who go into trades just want to make a good living. You know financial stability is a good reason to make
choices.
A fourth choice is to become an entrepreneur. Like all of the other choices above, people start businesses for many
reasons! Some people have a very specific idea they want to share with the world. Some people want to try to make a
lot of money. And other people just want to be in control of their own lives without a boss telling them what to do.
Becoming a business owner is its own job. You spend your time growing and taking care of your business. You get to
help other people with your products. You get to help other people by giving them jobs. It is a lot of work! It is also
very rewarding. You get to use whatever skills you have to earn a living.
A fifth choice is to become an investor. This is something all of you should strive to do. To be an investor you need
access to money. You might have to start as a part-time investor. But if you keep doing it, you can become a full-time
investor and spend your time looking at investment deals!
The choices are not either/or. Of course you can do one, two, or all of these things in your life. Many professional
athletes started off in college. Then, they go have their sports career. When they retire, they become entrepreneurs.
The important thing is to make MoneyFit choices. Craft the life you want, instead of making decisions because you
need money. Doing that takes a plan. What kind of life do you want?
Investigative Report: What is in your paycheck?

Use these amounts to fill out your Assignment 4 sheet.
Employee Salary: Health Insurance: Business Income:

$50,000 for the year $500,000
Federal tax expense: $500 a month X 12
$6,000 months =
Union dues:
$6,000
$1,200/year
Business expense: Business expense: Small Business

Building Mortgage Operating costs Income Tax
$1,000 x 12 = $12,000 Utilities, inventory, Deduction:
Payroll: machinery 20% of net profit =
$10,000 X 12 = $120,000 $10,000
$312,000
Exploring Different Jobs & Careers Article 3

Let’s look at some different jobs and careers in more depth. What does it take to be, say, a rocket scientist? And, do
these life choices help you reach the goals you have set for yourself?
Entry level jobs are often called retail and customer service. Workers at clothing stores and shoe shops work in
retail. Customer service is working at a cash register and helping people. These jobs usually pay “minimum wage.”
The minimum wage is the lowest amount of money employers can legally pay you.
Unskilled labor can pay more than minimum wage. These are construction workers, field hands, etc. The money can
be pretty good, but it is very hard work. You might have to work in the hot sun or freezing weather. Your work might
be seasonal. That means you don’t have work to do in the winter. You might not be able to work if it rains. That can
make it hard to pay your bills.
Teaching is profession a lot of kids think about. You are around teachers for years of your life! On paper, teaching
looks good. You get a salary for working part of the year. Summers off? Yes, please! But, many teachers have to work
second jobs, especially since many teachers have to borrow money to get their education.
Law enforcement, firefighting, and emergency response are also helping professions. These careers often don’t
require college. Some have an academy course you can take to get prepared.
Then there are high paid, specialized professions. These require many years of college. Doctors and lawyers are
some examples. College and graduate school can be very expensive. You know enough about interest at this point to
know you are going to pay much more than what you borrow.
These are just a few examples out of the thousands of possible jobs and careers. There are pros and cons for each
that will be very personal. Each person has to choose for themselves. It goes back to setting goals for your life. Make
choices that will help you meet those goals. Your career is where you will spend most of your life. Make a good
choice! Be happy! If you’re a bus driver or a rocket scientist, make the most of it.
3
Is Entrepreneurship For You? Article 4

Making a choice about a job, career, or profession is a big one! That’s why we recommend you consider all
of your options. One option is to become an entrepreneur. When you are an entrepreneur, you are the
business owner. Now you are the one hiring employees and making decisions to grow your business. If you
don’t mind working hard, you like to be creative, and you want to be your own boss, this might be the path
for you.
In our consumer society, a high emphasis is put on being a good worker. You earn your paycheck. The
government takes their taxes. The insurance company gets you insurance payment. You might get a little
put into a retirement account. Chances are, it is going to be tricky to pay your bills with that paycheck.
Chances are you might fall into the debt cycle because you have to live on what someone else is willing to
pay you.
As an employee of a company, you are working to grow the company. The profits the company makes go
into the pockets of other people, not you.
As a business owner, you are the owner of the company. As a business owner, you get special tax breaks for
hiring employees. And as a business owner, you are able to provide jobs to people who need them in your
community. The tough part is, starting a business is risky. But if you like taking risks – this might be
perfect for you.
As a business owner, you get decide how big or small you want your company to be. You get to make your
business fit the life you want. Employees have to make their lives fit their paycheck. As the owner, you can
get paid whatever you want. You just have to be willing to work hard and learn. You can reward your
employees with bonuses when you do well! In the end, having a business is a big responsibility. The payoff
is freedom – you get to be your own boss! By making good business choices, you can achieve your financial
goals. You can align your income with the lifestyle you want. You can buy yourself some freedom so you
can make healthy choices. You can also choose to help others live their best lives.
Failure is a Part of Success Article 5

Whatever path you choose in the future, there will definitely be bumps in the road. Part of the secret of
happiness is understanding that life is not all about avoiding mistakes! Not all the time anyway. You will
have hard days sometimes.
The secret to success is in your mindset. You set goals for yourself and work to achieve those goals. Some
people look at successful people and feel jealous. Successful people are not lucky! Success comes from hard
work and not giving up. Understand that you will fail and have setbacks. Then, you can shrug your
shoulders and get back up. You can learn and try again.
Just about every great figure in history experienced serious setbacks. They became great by learning from
their mistakes. They are remembered because they kept trying until they succeeded.
Life is a challenge. If it were easy it would be boring! It is a mistake to expect everything to be easy. It is
also a mistake to try to work around the hard work needed for success! Failure helps us by shaping our
character. Remember when we talked about living a fit life? This is a huge part of it. You have to spend
your time doing something! You can lay on the couch and eat potato chips. Or, you can go out and see what
you can get out of each day.
You Will Be Great!

Article 6
Sharing & Giving Back to Others.
We are at the end of our journey, readers! Just one more topic: being great! What that means in this
context is sharing your awesomeness with the world. One way you will do that was discussed in the last
article. You are going to set goals and achieve great things! Or at least achieve what you want to achieve.
Part of being great is living a good life and being a good person.
Another way you can be great is to share with others. We have gone through this whole learning journey!
We have shifted our mindset about money. By using money as a tool, you can grow it into more. That will
give you a successful life allowing you to buy the things you want.
There is also way more to life than buying things. One great benefit of financial success is the good you can
do by sharing it. No, you don’t have to give it all away. But if you have plenty, you can be great by sharing.
One way you can share is by helping your family and friends. When people are struggling, sometimes a
little help is all they need. We call it “giving back” because you are giving back some of the care they have
given you. You can also help support organizations that help those struggling. Those organizations rely on
support to provide support to others. The homeless, poor working families, and youth in foster care all
benefit when resources or knowledge is shared.
A great way to give back it to align your giving plan with your purpose. Are you crazy about animals?
Support local shelters care for homeless animals. Are you crazy about education? Help schools buy
materials for their students. Do you feel strongly about medical care? Help provide medical care in less
fortunate countries. There are endless opportunities to use your success for good. There is an endless
amount of need in the world.
The best part about being great? You don’t have to wait! Even kids with limited resources can help others.
You may have already participated in a food drive. You can also give your time by volunteering to help
others. You can visit with elderly neighbors. You can donate used clothes, books, and toys to those in need.
You can even organize a coat drive for the homeless or a meal program. There are so many opportunities to
be great! You don’t have to wait.

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The Financial Times

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