GET US STARTED.
WELCOME, LESLIE.
>> THANK YOU VERY MUCH.
APPRECIATE IT.
GLAD TO BE HERE.
LET'S SEE HERE -- I'M GOING TO -- I'M SO SORRY.
>> YOU USE YOUR SPACE BAR TO ADVANCE.
>> GOT IT.
OKAY.
SO THAT'S WHAT I LOOK LIKE.
I HAVE BEEN A TEACHER FOR 14 YEARS TEACHING BUSINESS AND MARKETING IN OHIO AND VIRGINIA.
THEN I JOINED THE FEDERAL GOVERNMENT TO HELP TRAIN TEACHERS AND NOW I WORK WITH TEACHERS ON
INCREASING THEIR CAPACITY TO EMBED FINANCIAL LITERACY IN TO THEIR CLASSROOMS.
THIS PRESENTATION IS MADE BY ME ON BEHALF OF THE BUREAU.
IT'S NOT PRE-RECORDED FOR YOUR LISTENING ENJOYMENT.
SO THERE MIGHT BE SOME THINGS THAT I SAY THAT ARE NOT EXACTLY IN LINE WITH THE WAY THE BUREAU WOULD
HAVE SAID IT BUT YOU HAVE ME ANYWAY.
FIRST, I WANT TO INTRODUCE YOU TO OUR LIBRARY'S PROJECT IN CASE YOU HAVEN'T HEARD OF IT BEFORE.
ONE OF THE THINGS THAT WE LEARNED AS PART OF OUR FINANCIAL WELL BEING RESEARCH AND SURVEYS IS THAT
ONLY 35% OF U.S. ADULTS SAY THEY ARE VERY CONFIDENT IN THEIR ABILITY TO REACH A FINANCIAL GOAL, AND
THE REMAINING 65% DISPLAYED A LOWER LEVEL OF CONFIDENCE.
SO WE SAID WHAT CAN WE DO TO IMPROVE THAT?
WHAT WE DID, WE SAW IT AS A CHALLENGE.
WE WANTED TO BUILD A HIGH-IMPACT, COMMUNITY-FOCUSED FINANCIAL EDUCATION EFFORT.
SO WHAT WE DID IS FIGURE OUT THE BEST WAY TO DESIGN THIS COMMUNITY-FOCUSED EFFORT TO MAKE SURE THAT
PEOPLE GOT THE INFORMATION THAT WE WERE OFFERING, THAT THEY WOULD HAVE A HELPFUL AND KNOWLEDGEABLE
STAFF WITH A HIGH DEGREE OF TRUST WOULD BE TO GO TO OUR LOCAL LIBRARIES AND ALL THE LIBRARIES
AROUND THE UNITED STATES IN TPHAEURS COMMUNITIES, BECAUSE WE KNOW THEY TRUST YOU AND THEY VIEW YOU
AS AN UNBIASED SOURCE AND THAT YOU ALREADY HAVE THE INFORMATION IN YOUR LIBRARIES -- YOU ALREADY
PROVIDE IT TO COMMUNITIES.
SO YOU ARE THE PERFECT SOLUTION.
SO, WHAT WE HAVE DONE, WE HAVE BEEN AROUND SINCE 2011.
WE WILL BE EIGHT THIS YEAR.
WE HAVE BEEN CREATING JUST A BUNCH OF OUTREACH MATERIALS, A LOT OF RESEARCH-BASED ITEMS THAT PEOPLE
CAN TRUST AND USE FOR THEIR PERSONAL WORK AS WELL AS WORKING WITH OTHERS AND COACHING AND
SUPPORTING OTHERS.
THAT INFORMATION -- YOU PROVIDING THAT INFORMATION IS JUST INVALUABLE.
WE KNOW THAT LIBRARIES ARE NOT NECESSARILY THE FIRST PLACE THAT PEOPLE GO FOR INFORMATION NOW.
THE INTERNET HAS BECOME THAT SOURCE, BUT IT'S DEFINITELY A POPULAR CHOICE AND WE LOVE SUPPORTING IT
WITH OUR LIBRARIES PROJECT.
I HAVE A QUESTION FOR YOU THAT IS, WHAT MESSAGES ABOUT MONEY DID YOU RECEIVE FROM ADULTS WHEN YOU
WERE A CHILD?
YOU CAN JUST TYPE SOMETHING IN THE CHAT BRIEFLY.
DOESN'T HAVE TO BE EVERYBODY.
I'D JUST LOVE A FEW PEOPLE TO TELL ME WHAT MESSAGES ABOUT MONEY DID YOU RECEIVE FROM ADULTS WHEN
YOU WERE A CHILD?
MONEY DOESN'T GROW ON TREES.
YES.
USE GIFT CARDS.
THAT'S A YOUNGER PERSON.
PAY YOURSELF FIRST.
PERFECT.
NEVER SEEMS TO BE ENOUGH.
YES.
HOME-EC.
DON'T GET A CREDIT CARD.
WORK HARD TO GET WHAT YOU WANT.
IF YOU WORK HARD YOU WILL BE FINE.
ONLY BUY ON CREDIT CARD WHAT YOU CAN PAY OFF EACH MONTH.
YOU GUYS GOT GREAT MESSAGES.
THAT'S WONDERFUL.
ONE OF THE ONES I RECEIVED IN THE PAST IS A WOMAN WHO SAID HER MESSAGE WAS FROM HER MOTHER AND IT
WAS ABOUT CHECKBOOKS AND IT WAS AS LONG AS YOU HAVE A CHECK IN THE CHECKBOOK YOU CAN BUY
SOMETHING.
NOT NECESSARILY THE BEST MESSAGE, BUT A MESSAGE.
ONLY BUY WHAT YOU NEED.
THAT'S AN EXCELLENT ONE.
WHAT WE DID IS WE TOOK THESE MESSAGES AND WE DECIDED TO LOOK IN TO WHAT IS FINANCIAL WELL BEING?
WHAT MAKES SOMEONE FEEL THEY HAVE FINANCIAL WELL BEING?
FROM ME, I MEAN THE CFPB.
WHAT WE DID IS IDENTIFIED FOUR ELEMENT OF FINANCIAL WELL BEING.
FINANCIAL WELL BEING IS THE FEELING THAT YOU CAN DO WITH YOUR MONEY WHAT YOU NEED TO DO WITH YOUR
MONEY AND WHAT YOU WANT TO DO WITH YOUR MONEY, WHAT'S IMPORTANT FOR YOU TO DO.
THESE FOUR ELEMENTS THAT YOU SEE ON THE SCREEN, TAKING THIS LARGE REPORT AND HONING IT DOWN TO THE
BASICS.
WHAT WE IDENTIFIED IS THAT PEOPLE NEED SECURITY IN THE PRESENT.
THEY NEED CONTROL OVER THEIR DAY-TO-DAY OR MONTH-TO-MONTH FINANCES AND THEY NEED TO HAVE SECURITY
IN THE FUTURE, THE CAPACITY TO ABSORB A FINANCIAL SHOCK.
I THINK AS MANY OF US HAVE HEARD, SO MANY PEOPLE CAN'T AFFORD A $400 EMERGENCY.
THAT'S STRESSFUL NOT BEING ABLE TO DO THAT.
SO, BECAUSE WE DON'T HAVE THAT CAPACITY, WE'RE STRESSED A LOT AND WE DON'T GET TO ENJOY OUR LIVES
FINANCIALLY.
THEN TO HAVE FINANCIAL FREEDOM OF CHOICE IN THE PRESENT.
THAT CHOICE IS TO MAKE THINGS AND TO ENJOY LIFE.
CAN YOU SEE A MOVIE IF YOU WANT TO?
CAN YOU BUY A TOY FOR YOUR GRANDCHILD?
CAN YOU BUY DIAPERS FOR YOUR CHILD?
THOSE FINANCIAL CHOICES ALLOW YOU TO ENJOY LIFE.
THEN IN THE FUTURE, FREEDOM OF CHOICE.
ARE YOU ON TRACK TO MEET YOUR FINANCIAL GOALS?
WILL YOU BE ABLE TO BUY THE HOUSE YOU WANT, RETIRE WHEN YOU WANT, GET THE CAR YOU WANT, WHATEVER IT
MIGHT BE.
SO, WE CONSIDER THESE TO BE OUR FOUR ELEMENTS OF FINANCIAL WELL BEING.
AND THE WORK WE DO TARGETS THIS AND TRIES TO HELP PEOPLE GET ON TOP OF THEIR FINANCIAL WELL BEING.
WHAT WE ALSO DID IS LOOKED AT THIS AND SAID, OKAY, IF THIS IS WHAT ADULTS NO ED TO HAVE FINANCIAL
WELL BEING, HOW DO WE GET KIDS TO BE ADULTS WITH FINANCIAL WELL BEING.
THESE ARE THE THINGS WE WANT TO WORK WITH STUDENTS ON.
THESE BUILDING BLOCKS ARE EXECUTIVE FUNCTIONS, FINANCIAL HABIT AND NORMS AN FINANCIAL KNOWLEDGE AND
DECISION MAKING SKILLS.
I'M GOING TO BREAK THEN THEM DOWN MORE.
THE FIRST ONE, EXECUTIVE FUNCTIONING.
EXECUTIVE FUNCTIONING IS SELF CONTROL, PLANNING, PROBLEM SOLVING.
THINGS WE NEED IN ORDER TO BE ABLE TO -- WELL, WHAT DO THEY SAY, THE ABILITY TO ENJOY YOUR
FINANCIAL FREEDOM IN THE FUTURE.
IF YOU HAVE SELF CONTROL AND PROBLEM SOLVING SKILLS YOU WILL BE ABLE TO BUY A HOUSE AND RETIRE ON
TIME POTENTIALLY BECAUSE YOU HAVE HOPEFULLY BEEN ABLE TO PLAN IT OUT, SAVE AS NEEDED AND NOT GET
YOURS IN TROUBLE FINANCIALLY.
THE BEAUTY OF THIS RESEARCH WE HAVE DONE, WE HAVE DISCOVERED YOU CAN START WORKING ON THOSE SKILLS
WHEN A CHILD IS 3.
YOU MIGHT BE THINKING YOUTH FINANCIAL CAPABILITY.
START WHEN THEY ARE 3.
WHEN PARENTS ARE WHEELING 2 AND 3-YEAR-OLDS IN TO THE LIBRARY AND PICKING OUT BOOKS, LET'S HAVE
THEM START TO THINK OF FINANCIAL LITERACY RIGHT THEN AND THERE.
MAYBE THE PARENTS CAN LEARN SOMETHING AND DEFINITELY THE KIDS CAN LEARN SOMETHING.
THE NEXT AREA, OR THE NEXT TIME FRAME IS FINANCIAL HABITS AN NORMS THAT WE CAN BUILD IN MIDDLE
CHILDHOOD.
THOSE ARE HEALTHY MONEY HABITS, THIS NORMS, THE RULES OF THUMB.
LET'S GO BACK THROUGH THE LIST.
SOME FINANCIAL HABIT AND NORMS THAT YOU LISTED EARLIER, PAY BILLS FIRST, ALWAYS PAY OFF YOUR
BALANCE.
LET'S SEE, SOMEBODY SAID USE GIFT CARDS FIRST.
THOSE ARE ALL FINANCIAL HABITS AN NORMS.
THOSE ARE THE THINGS YOU DON'T THINK ABOUT.
THOSE ARE JUST YOUR TRIGGERS THAT YOU SAVE IT.
SOMEBODY SAYS SAVE IT, DON'T GET A CREDIT CARD AND IF YOU DO PAY IT OFF IMMEDIATELY.
THOSE ARE FINANCIAL HABITS AND NORMS.
IT ALSO MIGHT BE YOU ARE PAYING THE BILLS AT THE MIDDLE OF THE MONTH OR AS SOON AS IT ARRIVES AND
YOU DON'T WAIT AND PAY ONLY ONCE A MONTH.
THOSE ARE SOME OF THE THINGS WE DO THAT ARE FINANCIAL HABITS AND NORMS AND A GREAT TIME TO BUILD
THAT IS WITH 6 TO 12-YEAR-OLDS.
WE CAN CONTINUE TO BUILD THEM AS THEY GROW.
I PERSONALLY DIDN'T DEVELOP MY FINANCIAL HABIT AND NORM FOR RETIREMENT UNTIL MY 30s.
I HAD A PRINCIPAL IN A SCHOOL THAT KEPT ON AND ON ABOUT 403Bs AND WHAT YOU SHOULD DO TO SAVE AND
WHY THEY WERE SO IMPORTANT, EVEN THOUGH WE HAD A PENSION AND I STARTED ONE AND SURE ENOUGH THAT WAS
A GREAT STARTER TO WHAT I HAVE NOW IN TERMS OF A NEST EGG, BUT I DIDN'T DO IT BECAUSE MY PARENTS
TEACHING ME OR FRIENDS TALKING ME IN TO IT BUT BECAUSE OF MY PRINCIPAL IN MY 30s.
WE CAN STILL BUILD FINANCIAL FUNCTIONING AND HABITS AND NORMS TO ADULTHOOD BUT THESE ARE OPTIMUM
TIME TO WORK WITH KIDS WITH THEM.
AND FINANCIAL KNOWLEDGE AND DECISION-MAKING SKILLS.
AGES 13 TO 21, WE WORK WITH THEM ON HERE'S WHERE YOU GO TO CHECK ON THIS AND HERE'S HOW TO LOOK FOR
THAT.
WE DO THAT FAIRLY WELL ALREADY.
SO, THAT'S NOT SOMETHING THAT, GENERALLY SPEAKING, WE NEED TO WORRY ABOUT.
NOW WE HAVE IDENTIFIED THESE THREE BUILDING BLOCKS, I'D LIKE TO SHOW YOU THE TOOLS THAT YOU CAN
FIND ON THE CFPB WEBSITE TO HELP YOU BUILD THESE THREE BUILDING BLOCKS OF FINANCIAL CAPABILITY IN
YOUR LIBRARIES.
FIRST OF ALL, WE HAVE MONEY AS YOU GROW BOOK SHELF.
WE HAVE IDENTIFIED 16 BOOKS COMMONLY FOUND IN PUBLIC LIBRARIES OR SCHOOL LIBRARIES THAT WE HAVE
CREATEs THEE PARENT GUIDES FOR.
THESE PARENT GOODS LOOK LIKE THIS.
THEY COB TAEUPB A STORY, KEY IDEAS, THINGS TO THINK ABOUT, THINGS TO DO FOR THE PARENTS BEFORE THEY
READ, THINGS TO TALK ABOUT AS THEY ARE READING AND SPECIAL ACTIVITIES THAT ARE AGE SPECIFIC AFTER
THEY FINISH READING TO EXTEND THE LEARNING.
THEY ARE SOMETHING YOU CAN ORDER AND HAVE IN YOUR LIBRARY
WE HAVE KIOSKS AND BOOKMARKS AND STICKERS.
SO, PARENTS AS THEY COME IN CAN CHECK OUT THE BOOK, GET A PARENT GUIDE TO TAKE HOME FOR FREE AS
WELL AS STICKERS.
AS THEY DO THEIR READING, THEY CAN USE THESE.
SO, IF YOU HAVE THREE TO 10-YEAR-OLDS COMING TO YOUR LIBRARY, THESE PARENT GUIDES AND BOOKS MIGHT
BE SOMETHING THAT MIGHT BE USEFUL TO YOU THAT YOU MIGHT ENJOY.
IF YOU HAVE OLDER KIDS, WE ALSO HAVE THE KIDS K-12.
WE HAVE YOUTH FINANCIAL EDUCATION WEBSITE THAT CONTAINS NOT ONLY A LOT MORE DETAILED INFORMATION ON
THE BUILDING BLOCKS BUT TOOLS THAT TEACHERS CAN USE IN THE CLASSROOM, A JOURNEY TO FINANCIAL WELL
BEING THAT EXPLAINS THAT BETTER AND A PLACE TO ORDER PRINTED COPIES OF MATERIALS.
ON THIS SITE, YOU CAN ALSO FIND FINANCIAL LITERACY ACTIVITIES THAT WILL TAKE YOU TO THIS PAGE.
WHEN YOU WANT TO FIND FINANCIAL LITERACY ACTIVITIES, WHAT YOU WOULD DO -- THIS IS OUR FILTERING
SYSTEM.
THIS IS WHERE YOU CAN COME AND YOU CAN FILTER AND FIND ACTIVITIES YOU MIGHT BE ABLE TO USE WITH
GROUP OF STUDENTS OR INDIVIDUAL STUDENTS THAT VISIT YOUR LIBRARY THAT YOU MAY WANT TO WORK WITH ON
FINANCIAL LITERACY ACTIVITIES.
LET ME SHOW YOU.
ONE OF THE THINGS WE CAN SORT BY IS BUILDING BLOCK, WHICH I JUST TALKED ABOUT.
AND YOU CAN ALSO SORT BY TOPIC.
FOR LIBRARIES I WOULD SUGGEST THAT YOU FILTER BY A BUILDING BLOCK OF FINANCIAL HABIT AND NORMS OR
FINANCIAL KNOWLEDGE AND DECISION-MAKING SKILLS AND THEN ACTIVITY CHARACTERISTICS.
LIKE IF YOU ARE DOING A WHOLE GROUP OR WHOLE GROUP, PROBABLY 15-TO 20 MINUTE ACTIVITY OR 45 TO 60
MINUTE ACTIVITY.
YOU CAN SORT BY ALL OF THESE THINGS.
WHEN YOU SORT, WHAT YOU WILL DO IS COME TO A PAGE THAT LOOKS LIKE THIS.
IT WILL GIVE YOU INFORMATION ON THAT ACTIVITY, WHAT THE BIG IDEA IS, A BRIEF DESCRIPTION, SOME OF
THE ESSENTIAL QUESTIONS THAT WILL GET ANSWERED.
WHAT THE OBJECTS ARE AND WHAT STUDENTS WILL DO.
I'D LIKE TO DO A COUPLE OF THEM WITH YOU, IF YOU ARE OKAY WITH THAT, AND YOU WILL GET A CHANCE TO
FEEL WHAT THEY ARE LIKE.
THE FIRST ONE IS CALLED COMMON MYTH AND REALITIES.
YOU CAN EITHER PRINT OFF A PAGE FOR THE STUDENT TO WRITE ON OR WHAT I OFTEN DO -- WHAT WE ARE
GETTING READY TO DO IS GET THEM THROUGH PEOPLE CALLING OUT ANSWERS.
I WILL HAVE YOU TYPE IN THE CHAT BOX, EITHER MYTH OR REALITY, THAT'S IT, JUST MYTH OR REALITY.
THE QUESTIONS ARE ABOUT CREDIT.
I'M GOING TO READ TWO OR THREE RIGHT HERE.
LET ME SEE HERE.
WHAT WE HAVE HERE IS -- I'M TRYING TO FIND -- THEY LOST.
THEY LEFT WITHOUT ME.
[ LAUGHTER ]
SOMEBODY HAS TAKEN MY PAGE, AND THAT IS A SHAME.
SO, LET ME -- OH, MY GOODNESS.
HERE IT IS.
OKAY.
DEBT IS THE SAME AS CREDIT?
DEBT IS THE SAME AS CREDIT?
MYTH OR REALITY?
DEBT IS THE SAME A CREDIT?
DEBT IS THE SAME AS CREDIT.
VERY GOOD.
IT IS A MYTH.
CREDIT IS THE ABILITY TO BORROW MONEY.
DEBT RESULTS FROM USING CREDIT.
HOW ABOUT THIS ONE.
THE MAJORITY OF AMERICANS WHO FILED FOR BANKRUPTCY DUE TO MEDICAL DEBT HAD HEALTH INSURANCE?
MYTH OR REALITY?
THE MAJORITY OF AMERICANS WHO FILED FOR BANKRUPTCY, DUE TO MEDICAL DEBT, HAD HEALTH INSURANCE?
VERY GOOD.
YOU GUYS GOT THIS.
MEDICAL DEBT CAN PILE UP EVEN WHEN SOMEONE BECOMES SERIOUSLY ILL OR INJURED, EVEN WITH HEALTH
INSURANCE, COPAYS AND DEDUCTIBLES.
THE REASON TO HAVE EMERGENCY SAVINGS.
VERY GOOD.
YOU HAVE A GREAT IDEA ABOUT HOW THIS WORKS AND WE HAVE 11 STATEMENTS TOTAL.
IT GIVES YOU A CHANCE TO HAVE A CONVERSATION ABOUT WHY IT IS A MYTH OR WHY IT IS REALITY.
AND GET SOME -- SOME STORIES STARTED AN SOME CONVERSATIONS STARTED WITH THE KIDS.
A LOT OF TIMES STUDENTS HAVEN'T THOUGHT ABOUT THIS OR DON'T KNOW AND IT'S GOOD TO FIND OUT FROM
THEM.
OKAY.
LET'S DO ONE ADDITIONAL ACTIVITY.
THAT IS THE SPENDING SNAPSHOTS.
NOW, THERE'S REALLY PROBABLY ABOUT TEN SCENARIOS, BUT IN THIS CASE I'M SHOWING YOU TWO OF THEM.
WE WILL READ THEM ONE AT A TIME, THOUGH.
IN THESE SCENARIOS, IT INVOLVES A REAL-WORLD SITUATION THAT REQUIRES SOMEONE TO MAKE SPENDING
CHOICES.
WHAT'S HELPFUL HERE IS STUDENTS HAVE A CHANCE TO HEAR FROM EACH OTHER WHY THEY HAVE DIFFERENT
SPENDING RULES OF THUMB.
IN THIS CASE, IF THE STUDENT WOULD BE PROVIDING THEIR OWN SPENDING EXPERIENCES, THEIR OWN PERSONAL
KNOWLEDGE TO MAKE THE RECOMMENDATION TO THE SUBJECT AND THEN YOU CAN TALK ABOUT WHY THEY AGREE OR
DISAGREE WITH THE RECOMMENDATION.
IT IS A GREAT CONVERSATION STARTER.
THEY CAN EVEN ACT IT OUT IF THEY WANTED TO.
LET'S READ THE FIRST ONE.
IT SAYS FELICIA WANTS TO BUY HER FIRST CAR SO SHE SAFES MOST OF HER MONEY EACH MONTH.
HER FRIENDS SPEND MOST OF THEIR MONEY GOING OUT AND HAVING FUN.
SHE MISSES GOING OUT WITH HER FRIENDS AND WONDERS IF IT IS OKAY TO SPEND A LITTLE MACHINE ON THAT.
BASE ON YOUR SPENDING EXPERIENCE AND PERSONAL KNOWLEDGE, WHAT WOULD YOU RECOMMEND TO FELICIA?
SHOULD SHE SPEND A LITTLE MONEY OR SHOULD SHE KEEP SAVING?
GOOD ANSWERS.
GO OUT WITH HER FRIENDS, SAVE A LITTLE.
BUDGET FOR ENTERTAINMENT.
IT'S OKAY TO SPEND A LITTLE, BUT MAKE SURE YOU ARE SAVING.
BUDGET SOME SPLURGE MONEY.
SAFE MOST OF IT.
SET ASIDE FOR ENTERTAINMENT.
SMALL PERCENTAGE TO GO ON AN OCCASIONAL -- A LOT OF SIMILAR THINGS.
BUDGET FOR THE SPLURGES.
MAYBE WHEN I HIT 200 OR $300 I CAN SPEND 10 TO GO OUT OR SOMETHING ALONG THOSE LINES.
THAT'S A GREAT IDEA.
>> THAT'S GREAT IDEA.
THEY WHAT YOU TEND TO HEAR FROM STUDENTS.
LET'S LOOK AT THE LAST SCENARIO.
JAMAL HAS BOUGHT DOZENS OF VIDEO GAMES OVER THE PAST FEW MONTHS AND HIS MOM THINKS HE SHOULD STOP
SPENDING SO MUCH ON GAME.
HE THINKS THE GAMES ARE WORTH IT BECAUSE HE AND HIS FRIENDS HAVE A LOT OF FUN PLAYING THEM BUT HE
IS STARTING TO WONDER IF HIS MOM IS RIGHT.
BASED ON YOUR SPENDING AND PERSONAL KNOWLEDGE, WHAT WOULD YOU RECOMMEND TO JAMAL?
OH, RENT OR SELL BACK.
SELLING, THAT'S A GREAT IDEA.
GO TO THE LIBRARY AND RENT GAMES.
SAVE THE MONEY FOR SOMETHING IMPORTANT.
SAFE LIKE FELICIA IS DOING.
TRY ON-LINE GAMES THAT ARE FREE.
GET THE OTHER KIDS TO PAY FOR SOME GAMES.
THAT'S WHAT I'M SAYING, YOU BUY THIS ONE, YOU BUY THIS ONE AND WE CAN ALL TRADE.
I THINK THAT'S A GREAT IDEA.
THEY GO IN TO USED STATUS NOT LONG AFTER THEY ARE REA LEASED.
VERY GOOD.
YOU ARE CORRECT.
YOU CAN SEE HOW ASKING THIS IN A GROUP SETTING ALLOWS FOR CONVERSATION TO HAPPEN AND KIDS TO SHARE
SOME IDEAS AND MAYBE SOMEBODY SAYS THE GAMES ON-LINE, HOW DO I BUY THOSE, WHERE DO I GET THEM FROM
AND ALL OF A SUDDEN THEY ARE GETTING GREAT IDEAS FROM ONE ANOTHER.
VERY WELL DONE.
REALLY HELPFUL TO OFFER THESE CONVERSATION STARTERS TO STUDENTS.
I APPRECIATE YOUR WILLINGNESS TO PLAY WITH ME A BIT.
RIGHT NOW WE HAVE 45 ACTIVITIES ON THE WEBSITE.
I THINK THERE ARE 20 MORE IN THE NEXT MONTH AND ANOTHER 20 AFTER THAT.
WE ARE DEFINITELY KEEPING THEM ROLLING OUT THE NEXT SEVERAL MONTHS.
STARTING IN THE FALL WE HAVE ACTIVITIES, RIGHT NOW ONLY HIGH SCHOOL BUT IN THE FALL WE SHOULD HAVE
MIDDLE SCHOOL ACTIVITIES ROLLING OUT AS WELL.
SO THE YOUNGER KIDS WILL HAVE SOME STUFF THERE.
I WANT TO SHOW YOU TWO OTHER TOOLS FROM OUR WEBSITE THAT CAN BE USEFUL.
AS WE KEEP THE PAGING PROCESS GOING WITH KIDS, THIS IS ANOTHER ONE THAT MIGHT BE INTERESTING FOR
YOU TO USE WITH THEM.
THIS IS ASK CFPB.
IT IS FOR ADULTS ALSO.
IT HAS 1,000 ANSWERS TO QUESTIONS LIKE MONEY, MORTGAGES, PREPAID CREDIT CARDS, PAYDAY LOANS.
YOU CAN FILTER LIKE ON OUR SYSTEM OR SEARCH FOR AN ANSWER AND THE COMMON ANSWERS SHOW UP FIRST.
YOU CAN DIG DOWN AND GET OTHER INFORMATION.
I REALLY RECOMMEND ASK CFPB FOR FAST, QUICK, IMPARTIAL ANSWERS IF YOU HAVE QUESTIONS FROM PEOPLE.
FINALLY, PLEASE BE A RESOURCE -- AND I KNOW YOU ALREADY ARE, BUT BE A RESOURCE FOR FINANCIAL
LITERACY.
ORDER OUR PUBLICATIONS.
MUCH OF WHAT IS AVAILABLE ON OUR WEBSITE IS ALSO AVAILABLE ELECTRONICALLY AND YOU CAN ORDER THEM.
A LOT OF TIMES WE HAVE GUIDES ON MANAGING DEBT AND THE PARENT GUIDES THAT I TALKED ABOUT, THE
KIOSK THAT I TALKED ABOUT TO PUT THE PARENT GUIDES AND BOOKS IN.
WE HAVE FLYERS ON SAVING AT TAX TIME AND A VARIETY OF THINGS.
YOU CAN ORDER THESE POSTERS AND FLYERS AND BOOKMARKS OR YOU CAN ACTUALLY -- YOU CAN ORDER THEM TO
BE SHIPPED TO YOU OR DOWNLOAD IF YOU PREFER TO GET THEM QUICKER.
PLEASE THINK OF VISITING OUR PUEBLO SITE AND SEARCHING AROUND FOR THINGS THAT YOU MIGHT BE ABLE TO
ORDER AND BRING TO YOUR LIBRARIES.
ONE OF THE THINGS NOT LISTED HERE IN THE CATEGORIES ON THE LEFT SIDE IS CALLED NEWCOMERS GUIDE TO
MANAGING MONEY.
IT'S A SERIES OF FOUR ITEMS THAT HELP PEOPLE THAT COME TO OUR COUNTRY FROM OTHER COUNTRIES WHO
DON'T KNOW HOW OUR MONETARY SYSTEM WORKS AND HELPS TO ANSWER SOME CORE, BASIC QUESTIONS LIKE WAYS
TO PAY YOUR BILLS, WAYS TO RECEIVE YOUR MONEY.
WHEN YOU FIRST CLICK ON THE NEWCOMERS GUIDE, THE FIRST THING IT SAYS IS WHICH LANGUAGE.
THERE ARE EIGHT LANGUAGES TO CHOOSE FROM AND YOU CAN GET THE GUIDE OF YOUR CHOICE.
THE OTHER THING IS A LOT OF THE MATERIALS ARE IN MULTIPLE LANGUAGES.
IF YOU FIND YOURSELF HAVING PATRONS WHO COME TO YOU FROM MULTIPLE -- WITH MULTIPLE LANGUAGES, AS
THEIR CORE, THEIR NATIVE LANGUAGE AND ARE LOOKING FOR RESOURCES THEY CAN UNDERSTAND MORE EASILY.
ALL RIGHT.
SO THAT WRAPS UP MY SURVEY OF OUR RESOURCES.
I'LL TAKE ANY QUESTIONS THAT YOU MIGHT HAVE AND THEN GET THIS BACK TO JENNIFER.
>> EXCELLENT.
THANK YOU SO MUCH, LESLIE.
SO EXCITING TO SEE.
THERE WAS A QUESTION.
I WONDER IF YOU CAN TALK ABOUT THE FEEDBACK FROM SOME OF THE TEACHERS THAT HAVE
BEEN USING THE RESOURCES.
>> THE QUESTION CAME UP IN THE CONTEXT OF HOW KIDS ARE RESPONDING TO THE ACTIVITIES.
SO ANY OF THOSE STORIES ARE ALWAYS APPRECIATED.
>> WHAT I WILL SAY IS I WAS JUST ABLE TO MEET WITH SOME STUDENTS LAST WEEK AND THEY REALLY ENJOYED
THE ACTIVITIES THAT I DID WITH THEM AND HAD A LOT OF FUN AN SAID, THANK YOU.
THEY WERE INTERACTIVE AND I REALLY ENJOYED MYSELF.
ONE IS CALLED BOUNCY BALL BUDGETS AND YOU THROW A BALL AN AND ANSWER QUESTIONS AND THEY WERE
ENJOYING THAT.
SO WHAT I'VE DONE THEM WITH TEACHERS AND STUDENTS WE'VE ENJOYED THEM.
HOPEFULLY YOU HAVE ENJOYED THE QUESTIONS AND IT GOT YOU THINKING.
THEY WERE FIRST PUBLISHED IN NOVEMBER.
WE HAVE BEEN IN -- I CALL IT DORMANT TIME.
WE ARE SLOWLY GETTING THE WORD OUT.
I'M STARTING TO DO WEBINARS AND HEADING TO CONFERENCES TO SHARE.
RIGHT NOW WE HAVEN'T GOTTEN A LOT OF DIRECT FEEDBACK FROM TEACHERS BECAUSE WE KNOW THIS IS JUST THE
TIME THAT THEY ARE STARTING TO INCORPORATE THEM IN TO THE CLASSROOM.
THE REALITY IS THAT GIVING SOMETHING IN THE MIDDLE OF THE SCHOOL YEAR, THEY ARE LIKE I CAN'T BE
BOTHERED RIGHT NOW.
>> WELL, LIBRARIANS ARE ALWAYS EAGER TO EARN THIS STUFF.
WE ARE EXCITED YOU ARE SHARING IT EARLY ON AS IT IS FRESH.
I KNOW THAT FOLKS WILL BE EAGER TO GIVE YOU FEEDBACK AND TELL YOU HOW IT'S GOING.
SO THAT'S EXCITING, TOO.
THAT'S FANTASTIC.
LET'S MOVE ON AND HEAR ABOUT THE PROGRAMMING GOING ON IN PLANO AND THEN WE CAN CIRCLE BACK.
PLEASE DON'T HESITATE TO POST QUESTIONS AS THEY COME TO MIND.
AGAIN, YOU CAN ALWAYS RESPOND TO EACH OTHER'S QUESTIONS, IN CHAT.
THANK YOU.
WELCOME, RACHEL.
I BELIEVE KRISTIN WILL GET US STARTED BUT I PASSED THE BALL OVER TO RACHEL.
THANK YOU SO MUCH.
>> GOOD AFTERNOON.
THIS IS KRISTIN.
I'M GOING TO GIVE YOU A LITTLE BACKGROUND ON OUR COMMUNITY AND HOW WE GOT STARTED WITH FINANCIAL
PROGRAMMING.
PLANO IS A CITY OF 283,000 PEOPLE.
WE ARE NORTH OF DALLAS, TEXAS, IN A FAST-GROWING AREA.
WE OFTEN SERVE SEVEN SURROUNDING COMMUNITIES.
OUR SERVICES ARE ACCESSIBLE TO SEVEN SURROUNDING COMMUNITIES
THE PLANO PUBLIC LIBRARY SERVES OUR COMMUNITY BY FIVE COMMUNITY-BASED LIBRARIES ACROSS THE
CITY.
SO PEOPLE WHO LIVE WITHIN FIVE MILES OF THE LIBRARY.
REFLECTING ON OUR LOCAL BUSINESS AND INDUSTRY HERE, WE GET A GREAT RESPONSE TO S.T.E.A.M.
PROGRAMMING, SO SCIENCE TECHNOLOGY, THOSE SORTS OF THINGS, WE ADD THE A FOR ART WITH S.T.E.M.
SO FAMILIES AND TEENS RESPOND WELL TO OUR S.T.E.A.M. PROGRAMMING.
WHEN WE ARE THINKING ABOUT HOW TO ENGAGE TEENS IN S.T.E.A.M. PROGRAMMING THAT'S NOT AN EASY TASK.
TEENS ARE NOT THE FIRST ONES TO COME OUT ALWAYS.
WE HAVE A LOT OF YOUTH OF VARIOUS AGES BUT WHEN YOU GET TO THE TEENAGER YEARS THEY HAVE A LOT OF
PULLS ON THEIR TIME.
THE WAY WE ENGAGE THE TEENS THE MOST HERE ARE THROUGH THE SORTS OF S.T.E.M./S.T.E.A.M. PROGRAMS AND
ALSO AS VOLUNTEERS FOR OUR PROGRAMS.
WE HAVE A LOT OF VOLUNTEERING IN OUR CITY BY TEENS.
ALSO WE HAVE A TEEN ADVISORY BOARD CALLED THE STREET TEEN TEAM THAT ASSISTS IN PROGRAM PLANNING.
THE WAY WE BEGIN WITH FINANCIAL PLANNING, THE IMPETUS FOR US ADDING THAT TO OUR PROGRAMS AND
SERVICES WAS THROUGH HOSTING A LARGE TRAVELING EXHIBITION TALKED THINKING MONEY THAT WAS CREATED BY
ALA AND THE FINANCIAL REGULATORY AGENCY.
AT THE TIME OUR STAFF DIDN'T REALLY HAVE TRAINING OR FEEL PARTICULARLY CONFIDENT IN PRESENTING ON
FINANCIAL TOPICS, ESPECIALLY FOR YOUTH AND TEENAGERS.
TEENAGERS IN SPECIFIC.
SO WE BEGAN TO LOOK FOR PARTNERS.
AS FAR AS CHILDREN, WE DID USE THE CFPB GUARANTEE GUIDE.
THEY ARE A WONDERFUL RESOURCE FOR EXISTING BOOKS AND LITERATURE AND JUMP OFF THAT AND GIVE PARENTS
GUIDANCE AND ASSISTANCE IN DEVELOPING FINANCIAL SKILLS IN THEIR CHILDREN.
AS FAR AS TEENAGERS, WHO MR. TEENS LISTEN TO, FOR ME AS A PARENT OFZ A TEEN IS NOT ALWAYS ADULTS
BUT WE THOUGHT THEY WOULD LISTEN TO THOSE A STEP AHEAD OF THEM AND WE REACHED OUT TO THE UNIVERSITY
OF NORTH TEXAS.
IT HAS A WELL-ESTABLISHED HIGHLY REGARDED STUDENT MANAGEMENT PROGRAM.
I WILL PASS ON TO RACHEL.
SHE TOOK ON THE PROGRAM AND WE HOSTED AT THE LIBRARY AND I WILL LET YOU TELL RACHEL WHAT THEY DID.
>> THANK YOU SO MUCH, KRISTIN.  WE PROVIDE DIFFERENT WORKSHOPS, FINANCIAL LITERACY PROGRAMMING,
ONE-ON-ONE FINANCIAL CONTINENTALLING AND EMERGENCY AID DEPARTMENT.
THE MAJORITY OF OUR STAFF ARE STUDENTS.
WE CALL THEM PEER MENTORS AND THEY HELP DEVELOP PROGRAMS, WORK WITH OTHER STUDENTS, COUNSEL OTHER
STUDENT SO THEY ARE A NATURAL FIT TO GO TO THE COMMUNITY, AS WELL AND TALK TO TEENS AND ANY OTHER
TYPE OF COMMUNITY REQUEST OR PRESENTATION.
SO WE THOUGHT WHEN KRISTIN REACHED OUT TO US THAT WAS A GOOD PARTNERSHIP TO MENTOR WITH THEM.
WHAT WE DECIDED TO DO IN LOOKING AT THE PROGRAM ITSELF WAS -- HOLD ON.
I'M HAVING TROUBLE ADVANCING THIS HE SLIDE HERE.
HERE WE GO.
>> IF YOU GET YOUR MOUSE ON THE SLIDE, CLICK ON THE SLIDE YOU SHOULD BE ABLE TO USE YOUR SPACE
BAR.
>> THERE WE GO.
OKAY.
SORRY ABOUT THAT.
SO WHAT WE DECIDED TO DO WITH THE TEENS IS SOMETHING INTERACTIVE.
THAT'S WHAT OUR STUDENTS HERE AT THE UNIVERSITY ENJOY, MORE TACTILE, HANDS-ON TYPE OF EVENTS.
SO WE HOSTED, IN CONJUNCTION WITH PLANO LIBRARY, GAME OF LIFE.
I HAVE HEARD IT CALLED REALITY CHECK BEFORE.
YOU MAY HAVE HEARD THAT.
ESSENTIALLY THIS IS AN ACTIVITY WHERE STUDENTS GO AROUND AND THE FIRST THING THEY DO IS MAKE SOME
LIFESTYLE CHOICES.
I'VE INCLUDED A GAME OF LIFE SCORE CARD IN THE HANDOUTS FOR THE WEBINAR TODAY.
SO YOU CAN SEE WHAT I MEAN BY LIFESTYLE CHOICES, BUT THESE ARE DIFFERENT CATEGORIES IN WHICH
SOMEONE WOULD MAKE A FINANCIAL CHOICE, WHAT TYPE OF HOME WILL YOU LIVE?
ARE YOU GOING TO LIVE AT HOME, IN AN APARTMENT?
WHAT ARE YOUR FOOD CHOICES GOING TO LOOK LIKE?
ARE YOU GOING TO EAT OUT, OR A COMBINATION OF EATING OUT AND COOKING AT HOME.
YOU CAN CHOOSE YOUR CATEGORIES OF CHOICES THAT PARTICIPANTS WILL HAVE TO PICK THROUGH.
WE TYPICALLY GIVE THEM FOUR OPTIONS WITHIN EACH CHOICE.
WE WILL ASSIGN A DOLLAR AMOUNT TO THOSE DIFFERENT CHOICES, AND THEN THEY WILL RECORD HOW MUCH THEIR
PARTICULAR CHOICE COSTS ON A WORK SHEET OR HANDOUT WE PROVIDE TO THEM.
ONCE THEY HAVE MADE ALL OF THEIR LIFESTYLE CHOICES, WE WILL THEN PROVIDE THEM WITH A VARIETY OF
CAREERS TO CHOOSE FROM, AND IF WE ARE DOING THIS AT THE UNIVERSITY LEVEL OR DEPENDING UPON IF WE
ARE DOING IT IN THE COMMUNITY OR OUR AUDIENCE, WE WILL TRY TO PRESENT THEM WITH CHOICES THEY MIGHT
BE WORKING ON IN THEIR EDUCATIONAL PATH.
WE WILL ALSO INCLUDE IN SOME OF THAT WHAT THEY MIGHT NEED TO KNOW ABOUT THE EDUCATION THAT IS
NECESSARY IN ORDER TO GET IN TO THOSE PARTICULAR CAREER FIELDS.
THAT CAN IMPACT THEIR ABILITY TO GET IN TO THAT CAREER AND COULD IMPACT THEM FINANCIALLY, AS WELL.
I WILL TALK MORE ABOUT WHAT WE MEAN BY THAT IN A MOMENT.
ONCE THEY HAVE STORT OF CHOSEN THEIR CAREER, WE WILL GIVE THEM THE AVERAGE STARTING SALARY FOR
SOMEBODY IN THEIR FIRST YEAR OF THAT CAREER.
ONCE THEY HAVE MADE ALL OF THEIR LIFESTYLE CHOICES AND THEIR CAREER CHOICES, THEY WILL GO THROUGH
THEIR WORK SHEET, ADD UP THEIR LIFESTYLE CHOICES AND COMPARE IT TO THEIR MONTHLY SALARY AND SEE, DO
I HAVE ENOUGH MONEY FOR THE LIFESTYLE CHOICES I HAVE MADE, OR DO I NEED TO CUT BACK AND I WILL TALK
ABOUT WHAT IT LOOKS LIKE ONCE YOU GET TWARBD THE END OF THAT ACTIVITY WITH YOUR PARTICIPANTS.
THERE ARE SEVERAL WAYS THAT YOU CAN DO THIS ACTIVITY.
REALLY THREE.
WE HAVE DONE IT BOTH WAYS IN THE PAST.
FIRST THING IS HAVE A LARGE-SCALE ACTIVITY WHERE YOU BRING OUTSIDE ENTITIES TO REPRESENT THE
CHOICES.
FOR EXAMPLE, IN THE PAST, WE HAVE BROUGHT OUT CAR DEALERSHIPS TO TALK ABOUT DIFFERENT CAR COSTS, WE
HAVE BROUGHT THE ANIMAL SHELTER TO TALK ABOUT WHAT DOES IT LOOK LIKE IF YOU DECIDE TO OWN A PET AND
THE COSTS ASSOCIATED WITH THAT.
THAT GIVES PARTICIPANTS MORE INSIGHT IN TO SOME OF THE COSTS ASSOCIATED WITH DIFFERENT LIFE CHOICES
AND ALLOWING YOU TO INCORPORATE PEOPLE IN YOUR COMMUNITY, AS WELL.
ALSO IN DOING SOMETHING ON A LARGE SCALE HAVE BROUGHT OUT OTHER LOCAL HIGHER EDUCATION PROGRAMS,
VOCATIONAL SCHOOLS AND OUR COMMUNITY COLLEGE FOR THEM TO TALK ABOUT WHAT IT LOOK LIKE AND THE
OFFERINGS THEY HAVE.
WHAT THE AVERAGE STARTING SALARIES ARE FOR GRADUATES OF THEIR PROGRAM.
SO, THAT'S SORT OF A LARGE-SCALE GAME OF LIFE THAT WOULD TAKE SOME CONSIDERABLE PLANNING AN SOME
SPACE, AS WELL, TO COORDINATE ALL OF YOUR OUTSIDE ENTITIES.
WHERE WE HAVE HAD THE MOST SUCCESS AND DOING IT ON A SMALL SCALE IS THINKING ABOUT THIS FOR
YOURSELVES AND YOUR COMMUNITY AND LIBRARY, WHAT WOULD FIT FOR YOU AND WHAT MIGHT MAKE THE MOST
SENSE?
ON A SMALL SCALE IT IS LESS TIME INTENSIVE.
YOU CAN DO IT ONCE OF TWO WAYS.
WE HAVE DONE IT IN A CLASSROOM SETTING WHERE ALL OF THE CHOICES ARE IN A POWERPOINT.
WE SHOW THEM THE LIFESTYLE CHOICES.
ONCE THEY HAVE WRITTEN DOWN THEIR CHOICE, WE WILL HAVE AN ANIMATION WITHIN THE POWERPOINT SLIDE
THAT SHOWS THE COST OF THE CHOICE THEY MADE AND THEY WILL DO THE SAME THING WITH THE SALARIES, AS
WELL.
IT IS NOT QUITE AS TACKFUL, THEY DON'T MOVE AROUND AS MUCH AND INTERACT WITH PARTICIPANTS AND GO
WHY WOULD I WANT A CELL PHONE PLAN WITH NO DATA VERSUS ONE WITH DATA.
WHATEVER YOUR CHOICES MIGHT BE.
IT IS EASIER IF YOU HAVE A LOT OF PEOPLE ARE IN A CLASSROOM-TYPESETTING.
THE WAY WE DO IT AT PLANO AND HOW WE DO IT WITH OTHER COMMUNITY PARTNERS IS WE WILL HAVE CHOICES
SET UP AROUND THE ROOM.
SOMETIMES WE WILL HAVE THINGS TO REPRESENT CHOICES.
FOR ENTERTAINMENT, A BOOK, VIDEO GAMES AND SMALL WORKOUT EQUIPMENT, AND THEN WE WILL PUT  IT WILL PLACARDS AND THE PRICE OF THE PARTICULAR CHOICES AND WE HAVE VOLUNTEERS
ASSISTING
SOMETIMES THEY ARE NECESSARY TO EXPLAIN WHAT THE DIFFERENT CHOICES ARE.
OUR AUDIENCE CAN BE BROAD.
SO THEY MAY NOT KNOW WHAT SOME OF THE THINGS ARE.
IN THIS SMALL-SCALE GAME OF LIFE, WE TRY TO PULL THE CAREER CHOICES AND WE TYPICALLY DON'T PROVIDE
AS MANY CAREER CHOICES JUST BECAUSE IT MAKES THE PROCESS A LITTLE FASTER FOR THE PARTICIPANTS AND
HELPS THEM DECIDE QUICKER WHAT THEIR CAREER CHOICE MIGHT BE, IN PARTICULAR IF YOU ARE LIMITED ON
TIME.
I'D ENCOURAGE YOU TO SHARE IN THE COMMENT BOX WHAT YOU THINK WOULD WORK FOR YOUR PARTICULAR LIBRARY
OR LIBRARY SYSTEM OR YOUR COMMUNITY IN KNOWING WHAT SOME OF THE RESOURCES ARE THAT ARE AVAILABLE TO
YOU AS WELL.
A FEW THINGS TO KEEP IN MIND AS YOU PUT TOGETHER YOUR GAME OF LIFE OR YOUR FINANCIAL LITERACY EVENT
IS HOW YOU WOULD MARKET IT.
WHAT'S THAT LOOK LIKE AT YOUR LIBRARY?
HOW WOULD YOU GET THAT OUT TO YOUR MEMBERS OR YOUR COMMUNITY?
ALSO, WHO COULD PARTNER WITH YOU.
AS KRISTIN SAID, THEY DIDN'T REALLY FEEL COMFORTABLE NECESSARILY IN THEIR LIBRARY THINKING OF HOW
DO WE PRESENT SOMETHING ON THIS TOPIC.
MAYBE IT IS NOT IN YOUR LIBRARY STAFF'S WHEEL HOUSE.
WHO COULD YOU REACH OUT TO?
INSTITUTIONS OF HIGHER EDUCATION IN YOUR COMMUNITY.
SOME UNIVERSITIES HAVE SOMETHING SIMILAR TO WHAT WE DO AT THE STUDENT MONEY MANAGEMENT CENTER.
THEY HAVE GREAT RESOURCES IN THEIR FINANCIAL AID OFFICE.
IF THEY DO NOT HAVE A FINANCIAL LITERACY TYPE CENTER THEMSELVES.
MANY UNIVERSITIES WILL ALSO HAVE PUBLIC FINANCIAL PLANNING MAJORS.
SOMETIMES THEY HAVE A COMMUNITY OUTREACH ASPECT TO THOSE PROGRAMS AS WELL.
EVERY STATE WILL HAVE A COUNTY EXTENSION AGENCY THAT'S TYPICALLY TIED TO THEIR LAND GRANT
INSTITUTION.
THOSE ARE OUT IN ALL OF THE COUNTIES IN THE STATE.
ALL COUNTY EXTENSION AGENCIES WILL HAVE SOME TYPE OF FINANCIAL -- NOT FINANCIAL PLANNING, BUT
FAMILY EXPERT.
MOST OF THE FAMILY EXPERTS DO HAVE SOME FINANCIAL LITERACY BACKGROUND AND EDUCATIONAL TOOLS AN
RESOURCES THEY SHARE IN THEIR COMMUNITY.
IT IS A GREAT WAY TO FIND PEOPLE TO PARTNER WITH, AS WE.
I WANT KRISTIN TO JUMP ON QUICKLY AND TALK ABOUT HOW THEY MARKETED THE GAME OF LIFE TO THEIR TEENS,
AS WELL.
>> THE TYPICAL WAYS WE PROMOTE PROGRAMS THROUGHOUT OUR COMMUNITY IS THROUGH OUR ENGAGE BROCHURE,
WHICH IS A FULL-COLOR, 24-PAGE LISTING OF OUR PROGRAMS AND SERVICES THAT WE PROVIDE FOR THE
COMMUNITY.
THESE ARE PRINTED AND COPIES ARE IN ALL FIVE LIBRARIES AND AROUND TOWN AT VARIOUS PLACES,
NON-PROFIT ORGANIZATIONS AND THROUGHOUT THE CITY.
THAT IS ALSO AVAILABLE ON-LINE ON OUR WEBSITE.
SO PATRONS CAN GET THROUGH AND SEE WHAT ALL IS BEING OFFERED IN VARIOUS CATEGORIES.
WE HAVE IT DISTINGUISHED BY AGE GROUP.
THERE'S A WHOLE SECTION FOR TEENS
AND THEN WE HAVE THE CHECK IT OUT NEWS LETTER, ON LINE NEWS LETTER THAT IS SENT TO OUR PATRONS EACH
MONTH.
WE ALSO ADVERTISE IN THAT.
THE LOCAL PHONE REPRESENTS OUR MOBILE APP.
PEOPLE CAN ACCESS OUR CALENDAR AND ENGAGE THROUGH THE MOBILE APP AND OF COURSE SOCIAL MEDIA.
THOSE ARE THE WAYS WE USE AS WELL AS OUR VOLUNTEERS THAT WE WORK WITH TO PROMOTE THE PROGRAM TO
THEIR PEERS.
THAT'S BASICALLY WE PROMOTE IT.
>> GREAT.
THANK YOU, KRISTIN.
HOWEVER YOU PROMOTE, SOME THINGS WE LIKE TO DO, AS WELL, IS MAYBE IF WE ARE -- IF YOU ARE USING ANY
TYPE OF SOCIAL MEDIA, KIND OF SET UP THE CATEGORIES, THE CHOICES BEFOREHAND AND DO A SHORT VIDEO OF
THOSE TYPES OF THINGS THIS.
WHAT WOULD YOU CHOOSE?
COME ON OUT AN FIND OUT HOW YOUR CHOICES CAN MAKE YOUR MONEY GO FURTHER, SOMETHING LIKE THAT.
I ENCOURAGE YOU HOW YOU MAY MARKET GAME OF LIFE.
THEY MIGHT NOT KNOW WHAT IT IS SO YOU MAY WANT TO GIVE THEM A TEASER AS TO WHAT THE GAME OF LIFE
WOULD ENTAIL FOR THEM.
LIKE LESLIE TALKED ABOUT, THE MOST IMPORTANT THING WHICH WHETHER YOU DO IT ON A LARGE OR SMALL
SCALE IS BRINGING THE ACTIVITY FULL CIRCLE AND HELPING PARTICIPANTS DISCOVER OUTCOMES.
WE BOUGHT CHEAP CALCULATORS, MOST PEOPLE HAVE CELL PHONES NOW BUT WE HAD THOSE AS GIVEAWAYS AND WE
HELPED THEM TO DO SOME OF THE MATH AND TALKED ABOUT DID YOU HAVE ENOUGH MONEY LEFTOVER?
IF NOT WHAT COULD YOU HAVE DONE DIFFERENTLY WHAT CHOICES COULD YOU HAVE DONE DIFFERENTLY.
WHEN WE DO IT ON A LARGE SCALE WE WILL ASK THEM TO GO BACK AND MAKE A DIFFERENT CHOICE.
WHAT WE ARE DOING WHILE THEY ARE ADDING UP THE MATH IS PROVIDE LIFE HAPPENED EVENT AND THIS HAPPENS
IN THE GAME OF LIFE AND PROBABLY TO ALL OF US AS WE KNOW AND THAT COULD BE THAT YOU GOT A FLAT
TIRE, YOU HAVE TO PAY AN EXTRA $50 TO GET IT FIXED, YOU GET THE FLU AND YOU MISS TWO DAYS OF WORK,
BUT WE ALSO HAVE SOME POSITIVE EVENTS, AS WELL.
FOR EXAMPLE, YOU WON THE CHILI COOKOFF AT WORK.
YOU WIN $25.
THIS HELPS PARTICIPANTS REALIZE I CAN MAKE A BEAUTIFUL PLAN AND TIE IT TO MY INCOME BUT MAYBE
SOMETIMES THERE MIGHT BE SOME SURPRISES.
WHAT CAN I DO WHEN I HAVE THOSE THINGS HAPPEN?
AND THAT HELPS YOU TO TIE BACK TO A DISCUSSION ABOUT SAVINGS AND WHY SAVINGS CAN BE SO IMPORTANT
AND SO USEFUL WHEN YOU ARE PUTTING TOGETHER YOUR PLAN FOR YOUR -- FOR HOW YOU ARE GOING TO SPEND
YOUR MONEY.
WE ALSO, BECAUSE WE ARE A UNIVERSITY AND WE WANT TO FOCUS ON WHAT ARE THE COSTS OF LEARNING TO GET
IN TO CERTAIN CAREERS, AND I ENCOURAGE YOU TO THINK ABOUT THIS, LOOKING AT WHAT TYPE OF CAREERS ARE
MAYBE WITHIN YOUR COMMUNITY AND WHERE DO PEOPLE SORT OF TEND TO END UP CAREER WISE AND WHAT TYPE OF
EDUCATION DOES IT REQUIRE, OR IF YOU HAVE A LOT OF PARTICIPANTS INTERESTED IN TERMINAL DEGREES,
SUCH AS BEING A DOCTOR OR LAWYER, A LOT OF THOSE DEGREE FILLS WILL REQUIRE, IN MOST CASES, A LITTLE
BIT OF BORROWING MONEY TO COMPLETE THOSE DEGREE FIELDS.
SO CAN WE TALK ABOUT THAT AND HOW WOULD THEY INCORPORATE THAT IN TO THEIR EXPENDITURES, IF THOSE
ARE THE CAREER FIELDS THEY ARE INTERESTED IN TO HAVE SOME BORROWING ASSOCIATED WITH THEM.
ONE THING TO KEEP IN MIND, FOR THE TIMES WE HAVE DONE THIS WITH VARIOUS AUDIENCES, WE HAVE NEVER
TALKED ABOUT CHILDREN BECAUSE WE ARE GOING TO ASSUME THAT ALL OF OUR PARTICIPANTS ARE SINGLE.
SO, WE ARE DOING ALL OF OUR LIFE CHOICES OFF OF A SINGLE INCOME.
SO WE ARE FOCUSING ON SOMEBODY WHO MAYBE DOESN'T HAVE CHILDREN, BUT DEPENDING ON YOUR AUDIENCE THEY
MAY HAVE A FAMILY ALREADY OR MAY FEEL THEY WANT TO GIVE BACK TO THEIR FAMILY OR THAT IS SORT OF AN
EXPECTATION DEPENDING ON THEIR CULTURE.
SO THINKING ON WHAT ARE THE CULTURAL NORMS FOR YOUR COMMUNITY AND HOW DO YOU BUILD THOSE IN TO YOUR
ACTIVITY AND THEIR LIFESTYLE CHOICES.
SO, THAT'S REALLY GOING TO VARY GREATLY ON YOUR AUDIENCE ITSELF.
IF YOU HAVE ANY PARTICULAR COMMUNITY CULTURAL NORMS IN YOUR COMMUNITY YOU THINK WOULD CHANGE HOW
YOU SET UP YOUR EVENT, I'D ENCOURAGE YOU TO SHARE THAT IN THE CHAT BOX, AS WELL.
I WANT TO TALK SPECIFICALLY ABOUT THE SUCCESSES WE HAD AT THE PLANO LIBRARY
WE HAD A GREAT TURNOUT FOR PARTICIPANTS.
THE AGE RANGE WAS VERY WIDE.
I KNOW THIS IS TEEN PROGRAMMING, BUT I GUESS I FORGOT WHAT A DIFFERENCE THAT CAN BE IN FINANCIAL
EXPERIENCES.
WHEN YOU LOOK AT AN 11-YEAR-OLD AND A 17-YEAR-OLD WHO HAS HAD MORE HANDS-ON EXPERIENCE WITH MONEY
BECAUSE THEY MIGHT BE WORKING AND EARNING INCOME, THAT REALLY KIND OF WILL CHANGE THE EXPERIENCE
FOR YOUR PARTICIPANTS IN A GREAT WAY.
THEY CAN SHARE WITH ONE ANOTHER THE DIFFERENT WAYS IN WHICH THEY SEE MONEY COME IN AND OUT OF THEIR
LIVES.
ONE THING THAT I WOULD BE CAREFUL ABOUT, ONCE THEY HAVE CHOSEN THE CAREER OPTION THEN SHOW THE
SALARY.
IT MIGHT NOT BE A SURPRISE TO ANY OF YOU THAT ALMOST ALL OF OUR PARTICIPANTS CHOSE HIGH-SALARY
CAREERS AND THAT'S BECAUSE THEY COULD COMPARE THE MONTHLY INCOME TO THE OTHER CAREER CHOICES
AVAILABLE.
WE WANT TO BE REALISTIC.
SOME OF THOSE PARTICIPATES MAY HAVE NEVERRED THE CAREER BUT DRAWN TO IT BECAUSE OF THE INCOME THEY
SAW ATTACHED TO THE CAREER FIELDS.
THE LAST THING, IN THIS SCENARIO, VOLUNTEERS WERE ESSENTIAL TO OUR SUCCESS AND REALLY HELPED TO
EXPLAIN WHAT THE ACTIVITY WOULD LOOK LIKE AND HOW THEY WOULD BE AND THEY REALLY ENJOYED THAT I
THINK THAT HELPED THEM AS VOLUNTEERS TO LEARN A LOT ABOUT HOW PEOPLE MAKE CHOICES AND THE DECISIONS
THEY GO THROUGH IN THE PROCESS OF THAT DECISION MAKING AND THAT GAVE THEM A LOT OF INSIGHT, AS
WELL.
THAT'S HOW THE GAME OF LIFE IS RUN.
IT'S A FUN, ENGAGING EVENT.
I WANT TO OPEN IT UP FOR QUESTIONS YOU MIGHT HAVE, FOR ANY OF US, ABOUT HOW TO UTILIZE RESOURCES,
MARKET, FIND PARTNERS OR HOST AN EVENT.
>> THANK YOU SO MUCH, RACHEL.
I WONDERED IF YOU MIGHT WANT TO GO BACK TO A SLIDE.
I KNOW THERE ARE A FEW RESOURCES YOU USE IN YOUR PROGRAMMING, TOO.
THERE WE GO.
>> ALL RIGHT.
I THOUGHT I'D DUPLICATED IT.
SO, FOR OUR LIFESTYLE CHOICES, THESE ARE ALL ON THE EVENT PAGE, AS WELL, THE LINK THERE.
WE LIKE TO UTILIZE NUMBEO.
IT IS A CROWD SOURCING TOOL WHERE YOU CAN TYPE IN YOUR LOCATION AND LOOK AT AVERAGE COSTS FOR A FEW
THINGS, SOME GOODS, MILK, EGGS, TRANSPORTATION COSTS, HOUSING COSTS, AND SOME CLOTHING COSTS, AS
WELL.
THAT CAN HELP YOU GET A TRUE AVERAGE COST OF THINGS IN YOUR AREA.
IF YOU ARE IN A RURAL AREA, YOU WILL BE PULLED TO THE CLOSEST MAJOR CITY IN THE DATABASE.
PAYCHECK CITY HAS THESE RESOURCES, AS WELL AND THE BUREAU OF LABOR STATISTICS ALSO HAS THESE COST
OF LIVING AVERAGES.
THEY ARE JUST A LITTLE HARDER TO FILTER AND FIND.
FOR CAREER CHOICES, TWO GREAT FEDERAL RESOURCES AND BUREAU OF LABOR STATISTICS CAN BE VERY SPECIFIC
FOR CAREER FIELDS WHICH I LOVE, FEDERAL RESERVE OF DALLAS HAS A SIMPLE, SIMILAR TOOLS TO FIGURING
OUT CAREER CHOICES AND REALLY FUNDING THOSE CAREER CHOICES AND THEY HAVE GREAT WORKSHEETS.
AND THEN PAYSCALE.COM WILL HELP YOU TO LOOK AT THE STARTING SALARY FOR DIFFERENT CAREER FIELDS IN
YOUR PARTICULAR AREA, AS WELL.
LIKE I SAID, WE ATTACH SOME WORKSHEETS FORE I THAT YOU CAN UTILIZE, BUT THERE'S A GREAT WEBSITE
THAT MANY STATES HAVE, IT IS A REALITY CHECK.
IT WILL TYPICALLY BE BETWEEN YOUR EXTENSION AGENCY, YOUR WORK FORCE.
THE JUMP START COALITION IS ANOTHER, NON-PROFIT LITERACY GROUP AND THEY HAVE A GREAT REALITY CHECK
TOOL, AS WELL.
YOU CAN WALK THROUGH THIS EXACT SIMULATION.
YOU JUST DO IT ON THE COMPUTER AND MA MIGHT BE SOMETHING YOU COULD FACILITATE THIS TYPE OF EVENT A
FOURTH WAY WHICH IS IN A COMPUTER LAB WITH STUDENTS.
YOU JUST LOSE A LITTLE MORE OF THE OPPORTUNITIES TO TALK AND DISCUSS CHOICES.
>> FANTASTIC.
THAT'S GREAT.
THAT'S REALLY HELPFUL TO HEAR.
THERE WERE A FEW QUESTIONS
SOMEBODY ASKED EARLIER ON IN TERMS OF ALIGNING WITH -- DO YOU ALIGN YOUR PROGRAMMING WITH THE STAR
TEST, WHICH I KNOW IS THE TEXAS STANDARDIZED TEST?
DO YOU DO ANY ALIGNMENT THERE?
>> WE DON'T.
MOSTLY BECAUSE WE ARE USUALLY IN CAREER CLASSES WHEN WE GO OUT IN TO THE COMMUNITY.
SO, THEY DON'T ALWAYS HAVE AN ELEMENT THAT IS TIED TO SOME OF THE STANDARDS THAT THEY NEED TO KNOW
FOR THE STAR TEST, BUT I LOVE THE CSPB'S TOOLKIT BECAUSE YOU CAN INCORPORATE FINANCIAL LITERACY IN
SPECIFIC COURSE WORK WHERE IT MAY NOT NECESSARILY -- YOU MIGHT NOT MAKE THE DIRECT CONNECTION BUT
YOU CAN INCORPORATE IT IN TO MATH AND ENGLISH.
I LIKE THE SEARCH BAR ON THE LEFT WHEN YOU LOOK AT THE CFPB'S WEBSITE FOR HIGH SCHOOL STUDENTS.
YOU CAN PROBABLY MAKE A DIRECT CORRELATION TO WHATEVER TEST MIGHT BE IN YOUR STATE OR
STUDENT OUTCOME.
>> FANTASTIC.
>> IT IS ALIGNED WITH TWO NATIONAL STANDARDS THE COUNCIL FOR ECONOMIC EDUCATION AND JUMP START
COALITION FOR FINANCIAL LITERACY.
WE HAVE GIVEN MOST STATES HAVE AN ALIGNMENT WITH THAT WITH THEIR OWN STANDARDS.
>> THAT'S REALLY HELPFUL.
THAT'S SO GREAT THAT YOU PLANNED THAT IN TO THE TOOLS.
RACHEL, I THINK WHEN YOU WERE TALKING ABOUT THE SCORE CARD, SOMEBODY ASKED IF YOU INCLUDE THINGS
LIKE STUDENT DEBT OR CAR PAYMENTS IN TO THAT, OR IS THAT -- DO THEY START WITH A CLEAN SLATE IN
TERMS OF DEBT?
>> YOU CAN.
WE CERTAINLY DO IT WILL DEPEND.
WHEN WE DID IT AT A UNIVERSITY LEVEL, WE ASKED DO YOU HAVE STUDENT LOANS?
AND IF THEY SAID YES, WE TYPICALLY GIVE THEM WHAT IS THE AVERAGE STUDENT LOAN PAYMENT FOR STUDENTS
WHO ATTEND OUR INSTITUTION OR AREA INSTITUTIONS.
WE WILL GIVE THEM A GUESSTIMATE BASED ON THE AVERAGE THAT STUDENTS AT OUR INSTITUTION BORROW.
FOR THE CAR PAYMENT, THAT GOES TO THE TRANSPORTATION CHOICES.
WE DO GIVE THEM TRANSPORTATION CHOICES THAT MIGHT BE PUBLIC TRANSPORTATION, DEPENDING ON YOUR
COMMUNITY, MOST PEOPLE MAY NOT OWN A CAR AND MAY MAKE MORE SENSE TO UTILIZE PUBLIC TRANSPORTATION.
WE DO HAPPEN TO DO THAT BUT SOME PEOPLE MAY NOT MAKE THE CHOICE, LET'S SAY IF THEY OWN THEIR OWN
CAR OR ANTICIPATE THEY WOULD NEVER OWN A CAR.
>> OKAY.
REALLY HELPFUL.
HOW ABOUT ON THE SCORE SHEET, SOMEONE NOTICED THE MONTHLY SALARY IS MULTIPLIED BY 75 CENTS, IS
THERE A REASON FOR THAT?
>> SO THE .75 IS AN EXPECT PROXIMATION.
ONE THING YOU MAY SAY, THESE ARE NOT HARD NUMBERS, JUST TO GIVE YOU AN IDEA.
I DON'T WANT ANYBODY TO COME BACK THOUGH LIBRARY AND SAY, I THOUGHT THIS IS WHAT WAS GOING TO
HAPPEN IN MY FINANCIAL LIFE, BUT WE HAVE THAT ON THERE TO REPRESENT WHAT WOULD COME OUT OF YOUR
PAYCHECK FOR TAXES.
THAT MIGHT BE A LITTLE LOW DEPENDING ON WHERE YOU LIVE BECAUSE IN THE STATE OF TEXAS YOU HAVE NO
STATE TAX.
SO WE DON'T FACTOR THAT IN BUT YOU MAY WANT TO CHANGE THAT IF YOU WANT A TRUE
PROXIMATION OF WHAT WOULD COME OUT OF A PAYCHECK FOR YOUR STATE.
>> THAT'S GOOD.
IMPORTANT TO NOTE.
ON THE LEARNER GUIDE THAT'S ON THE EVENT PAGE ONE OF THE FIRST -- I THINK THE FIRST QUESTION IS TO
EXPLORE ANY OF THE STANDARDS FINANCIAL LITERACY EDUCATION IN YOUR STATE.
I THINK THAT IS AN EXCELLENT WAY TO SORT OF UNDERSTAND IF PERHAPS SOME OF THIS EDUCATION IS
HAPPENING WITHIN YOUR SCHOOL, AND I KNOW MY KIDS ARE TEENAGERS AND THEY DID NOT GET A LOT OF THE
VENN THOUGH I THINK THE STANDARDS INDICATE IT.
SO IT COULD BE A LOCAL THING, AS WELL.
STARTING WITH THAT IN TERMS OF ASSESSING YOUR -- WHERE YOUR TEENS ARE GETTING EDUCATION, I KNOW
THAT MANY OF THEM ARE ALREADY COMING TO YOU FOR ADVICE AND HOPEFULLY SOME OF THESE IDEAS WILL GIVE
YOU STRUCTURE AROUND PROVIDING SPECIFIC PROGRAMMING AND SERVICES, AS WELL.
I HAVEN'T SEEN ANY OTHER QUESTIONS COME THROUGH.
ARE THERE ANY OTHER FINANCIAL THOUGHTS?
KRISTIN, LET'S HEAR IF YOU HAVE ANY OTHER FINAL THOUGHTS AS WE WRAP UP?
>> I WANT TO JUST MENTION WE ACTUALLY -- RIGHT NOW AT THIS VERY MOMENT, OUR LIBRARIANS ARE TRAINED
BY THE FEDERAL RESERVE OF DALLAS ON A PROGRAM THEY HAVE CALLED NAVIGATE AND IT IS ALSO ON THEIR
WEBSITE THAT IS ABOUT MAKING CAREER CHOICES AND HOW YOU DO THAT AND HOW IT FIGURES IN TO YOUR COSTS
FOR TRAINING OR PERHAPS COLLEGE.
SOMETIMES NOT COLLEGE.
THERE ARE A LOT OF JOBS -- I KNOW IN OUR AREA -- THAT ARE REQUIRING SOME EDUCATION AFTER HIGH
SCHOOL BUT NOT ALL OF THEM REQUIRE A COLLEGE DEGREE.
WHAT KIND OF TRAINING DO YOU NEED?
WHAT WILL IT COST YOU AND WHAT DOES IT DO TO YOUR BUDGET?
IT RELATES WITH MONEY BUT FROM A PERSPECTIVE OF HOW YOU ARE CHOOSING YOUR CAREER AND HOW YOU WILL
PAY FOR THAT TRAINING.
THAT'S SOMETHING WE ARE LOOKING TO ADD TO OUR WHAT HAPPEN WE OFFER AT THE LIBRARY FOR TEENS AND THE
CAREER EXPLORATION ELEMENT CAN BENEFIT ADULTS ALSO.
SO THAT'S ONE OTHER THOUGHT I HAD TO ADD AND SUGGEST YOU MAY CHECK OUT THE FEDERAL RESERVE
RESOURCES.
THAT'S ON THE LIST, AS WELL FROM TODAY.
>> I THINK FINANCIAL LITERACY IS ANOTHER AREA WHERE FAMILY LITERACY COMES IN TO PLAY.
IT'S A WHOLE FAMILY MEMBER EVENT OBVIOUSLY.
LESLIE, AS WE WRAP UP, ANY OTHER FINAL THOUGHTS?
>> NO.
YOU JUST MENTIONED FAMILIES AND I'D SAY IF YOU WANT TO HAVE MONEY CONVERSATIONS WITH KIDS, OUR
MONEY ISSUE GROW SITE IS A GREAT START TO HELP WITH THAT AND I AGREE, NAVIGATOR IS A GREAT PROGRAM,
PROBABLY FOR YOUNGER KIDS, MIDDLE TO EARLY HIGH SCHOOL BUT A GREAT WAY TO START TO GET THEM FOCUSED
AN MAKING THOSE IMPORTANT DECISIONS.
>> FANTASTIC.
THANK YOU SO MUCH.
RACHEL, ANY OTHER FINAL THOUGHTS AS WE WRAP UP?
>> I JUST THINK THAT YOU CAN DO ALL KINDS OF FUN STUFF.
SO I JUST GAVE YOU ONE IDEA, BUT YOU CAN TAKE SOME OF THE SCENARIOS THAT LESLIE TALKED ABOUT -- I
WAS JUST LOOKING AT THOSE AS SHE WAS TALKING ABOUT THEM AND THINKING THAT WOULD BE ENGAGING TO DO
IN THE WORK THAT WE DO.
IT'S FINDING TOOLS THAT ARE ALREADY OUT THERE, AND NOT REINVENTING THE WHEEL AND TYING THEM TO
LEARNING OUTCOMES THAT YOU WOULD LIKE TO HAVE YOUR PARTICIPANTS WALK AWAY
>> FANTASTIC.
A LOT TO MIX AND MATCH.
A LOT OF WAYS TO TAKE FIRST STEPS AND EXPAND FOR SURE.
THANK YOU, ALL THREE OF YOU, SO MUCH FOR BRINGING YOUR GREAT WORK TO WEBJUNCTION WEBINAR AND A
REMINDER TO FOLKS I WILL SEND YOU A LINK ONCE THE RECORDING IS POSTED AND WE WILL HAVE A
SHORT SURVEY.
WE WOULD LOVE TO GET YOUR FEEDBACK AND WE WILL SHARE IT WITH PRESENTER AND I WILL SEND YOU ALL A
CERTIFICATE WITHIN A WEEK FOR ATTENDING TODAY.
THANK YOU, ALL AND EVERYONE HAVE A FANTASTIC DAY.
>> THANK YOU.
>> THANK YOU.
>> YOU, TOO.
>> THANKS, JENNIFER.