Money Smarts | The 360° Youth Leader

Why This Track Matters

Most of us learned about money the hard way. The Gita's karma yoga reminds us: do the work, give your best, don't be ruled by results. We teach our children to understand money early (how to earn it, save it, grow it, and respect it) so they have the freedom and confidence to make sound choices throughout their lives.

What We Teach

Personal finance and investing basics, entrepreneurship, side hustles, and home economics.

The Age-by-Age Progression

Financial confidence compounds: the earlier it starts, the further it goes.

Year 1

Foundations

Ages 10–12

Understanding what money is, where it comes from, and how it's earned
Learning the difference between needs and wants
Starting basic saving habits with an allowance or small earnings
Practicing simple budgeting for a small goal

Year 2

Building

Ages 13–15

Managing a real budget from allowance, gifts, or a first job
Learning the basics of saving and an introduction to how investing works
Practicing home economics: cooking, simple household budgeting
Exploring the idea of a side hustle or small entrepreneurial project

Year 3

Mastery

Ages 16–18

Opening and managing a bank account independently
Understanding credit, interest, and the basics of investing
Exploring entrepreneurship or running a real side hustle
Preparing financially for life after high school (college costs, independence, first jobs)

Topics in This Track

Personal Finance / Investing
Entrepreneurship
Side Hustle
Home Economics

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