The. AbouT money. surprise you. we ll trade fiction for fact and myths for truth learning to be aware so we can be a blessing.
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- Kristina May
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1 lessn three AwAre
2 The facts AbuT mney might surprise yu. That s because sciety is really gd at sending mixed messages. Yu watch a little TV and read a magazine r tw and it s easy t believe that yu re learning abut real life. Withut digging deeper, yu might mve int adulthd with an unhealthy view f mney. This lessn tackles sme f the biggest myths abut mney head n. Yu ll discver what Gd has t say abut mney and what it means t grw up and take care f yurself financially. we ll trade fictin fr fact and myths fr truth learning t be aware s we can be a blessing. 76 leader guide // 40 student student 41 // leader guide 77
3 Generatin Change Leader Guide Welcme & IntrductIn Befre Class Hang a large sheet f paper n a fcal wall fr Intrducing the Lessn. Als, cllect several pieces f pster bard and sme clred markers fr Smething t Remember. GettinG started (2 minutes) Welcme students t the study. Intrduce anyne wh is new t the grup and thank them fr cming this week. intrducing the lessn (4 minutes) Ask teens t suggest myths they believed when they were yunger but nw knw are silly. (Example: mnsters in the clset) Recrd thse respnses n a large sheet f paper yu ve hung n a fcal wall. Leave sme space n the paper fr the next exercise. What are sme myths that yur friends r the ppular culture believe tday? Make sure thse teens are added t yur cntact list Write thse myths n the large sheet f paper fr future s and updates. beside the childhd myths frm earlier. Remind everyne that this is the final lessn Affirm that it can be easy t fall fr things in a three-week Generatin Change series n that sund gd even if they re based n becming the peple Gd created us t be. faulty lgic. Briefly review the main pints frm the last Explain that many myths in ur culture relate lessn, including that lessn s Smething t t mney and hw we deal with it. Remember n page 29 f the student wrkbk. 78 leader guide leader guide 79
4 Generatin Change Leader Guide Welcme & IntrductIn Pint ut that tday s lessn is called Be Aware because we need t be alert t financial myths and their impact n ur lives. In tday s vide, Rachel tackles sme f thse cmmn mney myths. It s really imprtant fr us t understand the truth behind these myths s we can handle ur mney in a way that pleases Gd. start the vide (20 minutes) The fllwing pages match the student wrkbk s yu can fllw alng with yur class. 80 leader guide leader guide 81
5 smething t see facing the facts If yu want t be n yur way at 25, yu ve gt t be practive right NOW. The median starting salary fr new cllege graduates is $27,000. budget tips At the tp f a sheet f paper, write dwn yur mnthly incme. Tell that mney what t d. Give every single dllar a name fr the mnth. *Budget frms in the back. Give them a lk. Be diligent t knw the state f yur flcks, and attend t yur herds. Prverbs 27:23 (NKJv) It is thechristian s mral and spiritual duty t take Gd planning and hard wrk lead t prsperity, but hasty shrtcuts lead t pverty. Prverbs 21:5 (NLT) DOMINION ver mney. A BUDGET tells yur mney what t d. The earth is the Lrd s, and everything in it. The wrld and all its peple belng t him. Psalm 24:1 (NlT) EVERYONE has SOMETHING t give! 82 leader guide // 42 student IfwewAnTTmAkeAsmuchmneyAsurpArenTsdrIghT nw,wehavetbewillingtwrkjustashardastheydid. respnsiblespending,savingandgivingisn TA TpIcfrlATernInlIfe IT saprirityrightnw! student 43 // leader guide 83
6 Generatin Change Leader Guide key takeaways smething t see (1 minute) After the vide, take a minute t review the blanks fr Smething t See n pages in the student wrkbk. After a few minutes, have the teams share their psters and explain hw they interpret the statements. If pssible, hang their psters arund the rm and refer t them during the teaching time. smething t remember (5 minutes) Talk abut the three key statements under Smething t Remember n page 45 in the student wrkbk. Break int small Grups Split the grup int multiple discussin grups if yu have mre than 10 students in yur study. Divide the teens int three teams and give each team a piece f pster bard and sme clred markers. Assign each team ne f the statements under Smething t Remember n page 45 in the student wrkbk. Make sure yu have individual leaders fr each grup wh can facilitate the discussin f the questins. Make sure that yu have several Bibles n hand fr students t use during Smething t Learn. If yu have mre than ne small grup, make sure each grup has at least ne Bible. Wrk tgether as a team t create an awareness pster fr yur statement. Be clrful and creative, illustrating the message and meaning f yur team s statement. 84 leader guide leader guide 85
7 If yu tell a myth lng enugh and lud enugh, peple will believe it s true. smething t remember Learn t handle mney tday and yu ll be better prepared fr the future. Yu can use yur mney, time and abilities t bless thers tday! 86 leader guide // 44 student student 45 // leader guide 87
8 did Yu knw? the median husehld incme is abut $50,000. u.s. census bureau 88 leader guide // 46 student student 47 // leader guide 89
9 Generatin Change Leader Guide discussin & activity myths 1 and 2 (7 minutes) Direct students t the Predicting the Future exercise n page 48 in the student wrkbk. Tell the students that many teens als believe a secnd myth regarding parents: When I m lder, I ll have as much mney as my parents. Ask teens t name things their parents Ask students t lk at the Predicting the regularly prvide fr them. Future exercise n page 48 in the student wrkbk. Let a few vlunteers guess the When d yu expect them t stp ding thse answers fr each blank. Then, share the actual things fr yu? answers. Pint ut the cntrast between what teenagers think and the reality. Pint ut that many teenagers say they want t be independent, but their lives say, My Read Prverbs 21:5. Discuss the imprtance f parents will always take care f me. hard wrk and warn them that trying t take the easy way leads t prblems. That s the first myth we have t cnfrnt. Yur parents will always lve yu, but they dn t Smeday, yu might make as much mney as want yu t depend n them frever. Yu need yur parents maybe even mre. But yu really t start preparing nw fr when yu will live n need t think f yur incme in terms f a yur wn, which means learning hw t prvide simmering pt instead f an instant micrwave. fr yurself. Yu can reach yur Gd-given ptential, but it will take time and hard wrk. Refuse t cut crners, because that nly leads t truble. 90 leader guide leader guide 91
10 smething t learn Generatin Change Leader Guide discussin & activity predicting the future readthefllwingstatementsbelwandguesswhatges intheblanks.(yurleaderwillgiveyutheactual answersinaminute!) 1. whenaskedhwmuchtheythughttheywuld earnintheirfirstjbaftercllegegraduatin, teenssaid $73, Theactualmedianincmefrnewcllege graduatesis $27, whenaskedhwmuchtheythughtthey wuldmakeaftersettlingintacareer, teenssaid $150, TheactualmedianhusehldincmeinAmerica is $50,000. myths 3 and 4 (7 minutes) Direct students t the Budget Basics exercise n page 49 in the student wrkbk. The third myth Rachel talks abut in the vide is, I dn t need a budget as a teen. Ask a vlunteer t read Prverbs 27:23. Explain that livestck served as an indicatr f wealth in ancient times much like mney measures wealth tday. S, keeping up with yur flcks meant keeping up with yur wealth. Budgeting yur mney wrks the same way tday. Even if yu dn t have a lt, yu need t keep up with what yu d have. Plus, learning t budget is a great way t prepare fr life n yur wn. 92 leader guide // 48 student leader guide 93
11 Generatin Change Leader Guide discussin & activity Encurage the teens t write dwn their surces f incme, expenses and financial gals in the spaces prvided fr Budget Basics n page 49 in the student wrkbk. budget basics 1. Inthespacebelw,listyurmainsurcesfincme. (dn twrryabuthwmuchyugetfrmeach surceyet.justidentifythesurces.) After they have written their respnses, ask the teenagers t share hw they determined hw much shuld g int each categry. Discuss the areas that were their biggest struggles. Share that ging thrugh this exercise is really the first step tward creating an effective budget. 2. Inthespacebelw,listsmeregularexpensesyuhave tpayeachmnth.(again,dn twrryabutexact numbers.justgetanideafwhereyurmneyges.) The furth myth is that Gd desn t care abut mney. But Dave pints ut that Gd mentins mney in the Bible mre than 800 times! That s pretty strng evidence that He cares abut ur mney! Dn t fall fr that myth. 3. Inthespacebelw,listsmefinancialgalsyu havefrthefuture.(thesearethefunthings,like carsrtrips,thatwuldrequireyutsave.) rememberthefivemythsfrmthissessin? creativelyillustratethemandthenpstthem. #generatinchange#5myths 94 leader guide student 49 // leader guide 95
12 Generatin Change Leader Guide discussin & activity myth 5 (7 minutes) Direct students t Smething t Give n page 50 in the student wrkbk. Ask a vlunteer t read Psalm 24:1. Based n this verse, hw much des Gd wn and hw much d yu wn? Emphasize that Gd s wnership f everything shuld directly affect ur attitude tward giving. Explain that since we re really taking care f Gd s stuff, we shuld let g f it mre easily when He mves us t give. Ask a student t read the Barbara Bush qute under Smething t Give n page 50 in the student wrkbk. Encurage the teenagers t answer the respnse questins fund belw the qute. Talk abut their answers and encurage them t think differently abut their ability t give smething meaningful t thers. Giving mney is great, but we need t remember that giving is nt just abut mney. Even when ur budgets are a little tight, we can all find smething t give and we shuld give it because that s why Gd gave it t us in the first place. That clears up the final myth fr tday s lessn: I shuldn t give if I dn t have mney. 96 leader guide leader guide 97
13 smething t learn Generatin Change Leader Guide Grup discussin smething t give smepeplegivetime,smemney, smetheirskillsandcnnectins,sme literallygivetheirlife sbld.but everynehassmethingtgive. barbarabush QuesTins: 1. Afterreadingthebarbarabushqute,hwhaveyur ideasabutgivingchanged? smething t talk abut (4 minutes) Find ut which student in the grup mst recently celebrated a birthday. Ask that teen t read and respnd t the first questin under Smething t Talk Abut n page 51 in the student wrkbk. Encurage the ther teens t share their thughts n the questin. Find ut which teen has the next birthday cming up. Ask them t read and respnd t the secnd questin and allw the students t share their cmments. Fr the third questin, pick the student with the birthday clsest t Christmas. 2. Asidefrmmney,whatdyuhavetgive? Fr the furth questin, chse the student with the birthday clsest t Valentine s Day. sharethequtefrmbarbarabush withyurfriends. #generatinchange#smethingtgive 98 leader guide // 50 student leader guide 99
14 smething t talkabut Generatin Change Leader Guide ending the class Thinkabutthefivemythsexpsedinthislessn. Whichneinfluencesyuthemst?Why? Inwhatwayscanabudgetfreeyutdthingsyu culdn tdtherwise? Whataresmethingsthatmightdiscurageyufrm creatingabudgeteverymnth?hwcanyuvercme thsebstacles? Hwdesgivingfitintyurlife? Class Wrap-up (3 minutes) Direct the students back t the key pints under Smething t Remember n page 45 f the student wrkbk. Encurage them t read each pint alud with yu and t discuss hw tday s lessn has helped them understand these truths better. Draw attentin t the jurnal questin under Smething t Think Abut n page 52 f the student wrkbk. Remind them that hw we use ur mney says a lt abut what s in ur hearts. Pint ut the budget wrksheet fr Smething t D n pages f the student wrkbk. Whatcncernsyuthemstabutdinga budget?talkabutitwithyurfriends. #GeneratinChange#BudgetCncerns 100 leader guide // 51 student Remind the students abut their incme surces, expenses and gals frm Budget Basics. Instruct them t use that infrmatin t create an initial budget during the week ahead. leader guide 101
15 Generatin Change Leader Guide ending the class Thank students again fr being part f this week s lessn. If yur grup will be mving t the secnd series in Generatin Change, D Mre with Yur Mney, share that the next lessn D the Details ges deeper int budgeting. If yur grup s study is ending with the Be series, encurage them t see mney frm Gd s perspective and t becme the peple He created them t be. Clse the sessin in prayer, asking Gd t help the teens remember that everything belngs t Him and t let that truth guide the way they handle His stuff. 102 leader guide leader guide 103
16 smething t think abut Dave said the Bible refers t mney mre than 800 times. why d yu Think gd cares s much AbuT ur mney And hw we use it? smething T d Makezbudgetingzazmnthlyzhabit build yur budget In Budget Basics, yu named sme specific surces f incme, expenses and gals. Nw s the time t put numbers in thse categries. Use the frm n the next page t create an initial budget. When yu re dne, shw it t yur parent and ask fr their feedback. Try it ut fr a mnth, then g back t the drawing bard and refine it next mnth. 104 leader guide // 52 student student 53 // leader guide 105
17 Student BudgeT GivinG Tithe Charity SavinG Emergency Fund Cllege Car & Repairs Cmputer Other Fd Restaurants/Eating Out Schl Lunch/Vending Machine ClthinG Clthes Sprts Jerseys/Apparel These icns represent gd ptins fr cash envelpes Add up budgeted clumn & enter here incme Budgeted TTal Budgeted TTal Budgeted TTal Budgeted TTal transprtatin Gas Car Insurance Oil Change License & Taxes persnal Csmetics/Hair Care Music/Technlgy Gifts Pcket Mney Cell Phne Other recreatin Mvie Cncert Sprting Event Other Budgeted TTal Budgeted TTal Budgeted TTal incme utg = zer Add up ttals frm each categry Remember The gal is t get this number t zer
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