Financial Literacy Chris Stubbs Financial Literacy Chris Stubbs

From Thrift Store to Total Cost: Sales Tax in Action

Sales tax is one of those math skills students will actually use—but it’s often rushed or oversimplified. In From Thrift Store to Total Cost, we take students on a virtual thrift store shopping trip to show how percentages, decimals, estimation, and financial literacy come together in the real world. By working with relatable prices and everyday items, students learn that the sticker price isn’t the final price—and that math matters long after the test is over.

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Financial Literacy Chris Stubbs Financial Literacy Chris Stubbs

Balancing the Budget: Helping Students Make Sense of Spending and Saving

Budgeting may not sound exciting to middle and high school students, but it’s one of the most valuable life skills they can learn. Teaching kids how to plan, save, and make smart spending choices sets them up for future success—whether it’s managing allowance money, saving for a new phone, or preparing for their first paycheck.

In this post, we’ll explore two engaging classroom-ready activities that make budgeting real for students: a Personal Budget Reading Comprehension Worksheet that blends literacy with financial concepts, and a Middle School Budget Simulation where students practice tough money decisions. With interactive lessons and realistic scenarios, your students will gain confidence in financial literacy while sharpening their math and problem-solving skills.

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Financial Literacy Chris Stubbs Financial Literacy Chris Stubbs

Untangling Taxes: Helping High School Students Understand Form 1040

Taxes might sound intimidating to teens, but understanding Form 1040 is one of the most practical life skills we can teach high school students. From W-2s to deductions, this blog breaks down the basics of income tax in an engaging, hands-on way that connects classroom learning to the real world. Discover how to turn tax season into a teachable moment with interactive activities that build financial confidence—before students ever file their first return.

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Financial Literacy Chris Stubbs Financial Literacy Chris Stubbs

Credit vs. Debit: What Every Middle and High School Student Needs to Know

Credit vs. Debit: What Every Middle and High School Student Needs to Know
In today’s swipe-happy world, teens often use debit and credit cards without truly understanding how they work—or how they differ. This blog post breaks down 10 essential reasons why teaching the difference matters and how it can help your students build smart money habits now, not later. Plus, grab a fun, no-prep worksheet to bring the lesson to life in your classroom!

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Financial Literacy Chris Stubbs Financial Literacy Chris Stubbs

Teaching Compound Interest: Einstein's "Eighth Wonder of the World"

Albert Einstein once said, "Compound interest is the eighth wonder of the world. He who understands it earns it… he who doesn't… pays it." This lesson explores the life-changing concept of compound interest, illustrating how it empowers students to make wise financial decisions. Through practical examples and engaging classroom activities, students learn both the power of early saving and the risks of debt, ensuring they are well-equipped for their financial futures.

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Financial Literacy Chris Stubbs Financial Literacy Chris Stubbs

Financial Literacy: Where to Start in Middle School

Financial literacy is a vital skill that middle school students need to start mastering early. By learning about topics like checking accounts, credit, and budgeting, students can establish a strong foundation for financial success. This blog explores the key financial literacy concepts that middle schoolers should learn and highlights how integrating these lessons into the curriculum prepares them for real-world financial decisions. With Texas leading the way by embedding financial literacy into math standards, educators everywhere can follow suit by teaching students how to manage money wisely.

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