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FREEDOM 💡 One of the Most Important Lessons I Teach My Financial Literacy Students When you go to work, you trade something extremely valuable for a paycheck: your skills, your knowledge, and your time. Before you ever see that money…Before you pay a single bill…Before you provide for your family… The government takes its share. That’s reality. And understanding reality is the foundation of financial literacy. Once you receive your take-home pay , most people immediately sta

Time:  90–120 minutes Instructions: Answer all five questions . Use complete sentences Show all calculations Use clear economic reasoning and vocabulary Label formulas and steps where applicable ✏️ Essay Questions 1. Inflation vs. Wage Growth A worker earns $52,000 annually  and receives a 0.55% annual raise  while inflation averages 3% per year . Tasks: Calculate the worker’s nominal salary  after 5 years Calculate the worker’s real income  after adjusting for inflation Dete

Lesson snapshot Grade:  9–12 Time:  1 class period (55–90 minutes) Essential Question:   If prices rise 3% per year, what size raise do you need to truly “break even”? Sunshine State Standards (Florida Financial Literacy) Use these Florida Financial Literacy benchmarks: SS.912.FL.4.5  – Describe how inflation reduces the value of money (purchasing power) and connect inflation to “real” returns/real outcomes.  ( CPALMS ) SS.912.FL.4.4  – Analyze the impact of spending vs. savi

In today’s economy—where every dollar matters and the future feels increasingly uncertain—teaching young people how money works is no longer optional. It is essential. And at Piper High School, we are witnessing firsthand how the right curriculum, the right support, and the right leadership can transform an entire generation’s relationship with money, opportunity, and financial freedom. Today, I want to extend my deepest gratitude to two individuals whose leadership has made

Holiday Spending & Life Hours Worksheet Student Name: ____________________________  Date: ________________  1. List Your Top 3 Christmas/Holiday Gift Items:   Item 1: ________________________________________________  Item 2: ________________________________________________  Item 3: ________________________________________________  2. Research the Price and Country of Origin for Each Item:  Item 1 Price: __________________ Country of Origin: __________________  Item 2 Price: _

The Sutton Family would like to wish you and your family a Blessed and Memorable Thanksgiving. Working in the modalities of Education, Business, and the Political Arena  has provided me opportunities to see, hear, and learn from many viewpoints. Today, we’ll explore how economics, history, and financial incentives relate directly to YOUR life in 2025… just as they did in 1620. High School Financial Literacy Lesson Plan "Private Property, Incentives, and the Pilgrims: A Thanks

1. They Treat the HSA Like a Stealth Retirement Account Most Americans use HSAs to pay for yearly medical expenses. Rich individuals don’t. They pay out-of-pocket for medical bills and let their HSA money grow untouched for decades , because: • Contributions are tax-deductible • Growth is tax-free • Withdrawals for medical expenses are tax-free This is the only account in America with triple tax advantages. No 401(k). No IRA. Not even a Roth IRA comes close in flexibility.

By Robert W. Sutton — Politically Conservative Financial Educator   Back When a Double Chin Meant Freedom There was a time — not long ago in the sweep of history — when a “proper double chin” was something to admire. It meant you weren’t starving. It meant you had enough money to eat well, to rest, to live above the struggle of survival. In Fiddler on the Roof, Tevye sings of his wife Golde, “looking like a rich man’s wife, with a proper double chin.” That wasn’t mocker

When the federal government shut down in October 2025, it wasn’t just bureaucrats who felt the impact — it was millions of American families waiting on a government card to buy groceries.Across the nation, states warned that SNAP benefits may not be issued starting November 1  if Washington failed to pass a spending bill. In Georgia, Texas, and beyond, families who rely on food assistance were suddenly faced with the terrifying question: What happens if the check doesn’t come

Grade Level: 9–12 (Financial Literacy / Economics / Career Readiness) Duration: 90 minutes (can be split into two 45-minute sessions) 🎯 Lesson Objectives By the end of this lesson, students will be able to: Compare and contrast the costs and benefits  of trade schools and college education. Analyze annual salaries  in construction trades using real-world data. Calculate return on investment (ROI)  for education pathways. Evaluate how education debt  impacts long-term financi

The envelope on the kitchen counter was impossible to ignore — bold red letters read: “PAST DUE NOTICE – ELECTRIC SERVICE TERMINATION WARNING.” One month behind, and the threat of darkness loomed. Just as worry began to sink in, a knock at the door  startled me. Standing there was a sharply dressed elected official , flashing a practiced smile and a flag pin on his lapel. “Mind if I come in?” he asked warmly. Politeness won over caution. I invited him in. He glanced at the pa

📘 Subject: Financial Literacy / Economics / Civics 🏫 Grade Level: High School (Grades 10–12) 🎯 Lesson Objectives By the end of this...

🎓 High School Financial Literacy Lesson Plan Title:   Why Money Moves the Way It Does: Gresham, Cantillon, and Pareto Explained   Grade...

When billions in taxpayer dollars disappear through fake programs and political negligence, it’s not just corruption — it’s theft from...

Course:  High School Financial Literacy Duration:  60–90 minutes Theme:  Incentives, Property Rights, and Economic Growth  Sunshine State...

Grade Level 9–12 (ideal for a Personal Finance or Financial Literacy course, or as a module in economics / civics) Duration One 50-minute...

By Chairman Bob Sutton  📍 Broward County, FL | 💼 Financial Literacy Educator | 🇺🇸 Advocate for Fiscal Responsibility 🇺🇸 What Is the...

High School (9–12) Subject Financial Literacy / Personal Finance & Money Management Objective Students will investigate and analyze data...

Grade Level: 9–12 (High School) Subject: Financial Literacy / Economics Class Length: 90 minutes (adaptable to 45 minutes) Lesson...

Michael Bordenaro financial literacy encouragement Who Is Michael Bordenaro? While detailed bios aren't readily available, Michael...