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Money Minds and Story Finds: Adventures in Literacy and Wealth

Kentucky Financial Empowerment Commission program sponsored by KY Jump$tart

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KY Financial Literacy Standards

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    • F.P.1 Recognize that people need to work to meet basic needs.
    • F.P.3 Identify the difference between wants (e.g., skateboard, video games) and needs (e.g., food, clothing and shelter) and the relationship to consumer decisions.
    • F.P.6 Describe how financial decisions impact the achievement of short and long-term goals.
    • F.P.7 Investigate different ways to save money (e.g., piggy bank, local bank, credit union).
    • F.P.8 Identify things people buy (e.g., goods, services (i.e., tasks performed by others), leisure activities, etc.).

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Story by Sheila Bair

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In the story, the author uses different words to talk about money, like ...

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These are just fun words people sometimes use to talk about money.

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Before Reading

DOUGH

BUCKS

LOOT

CASH

BREAD

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How did Rock and Brock begin earning money?

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Rock, Brock, and the Savings Shock

By Sheila Bair

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Their gramps proposed a savings plan. He would give the boys a dollar for completing simple chores.

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Each buck they saved, he’d match it. For example if they saved their first two dollars then the next time they would receive four dollars instead of one!

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Rock, Brock, and the Savings Shock

By Sheila Bair

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Rock, Brock, and the Savings Shock

By Sheila Bair

Opportunity cost is what you give up when you make a choice.

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Brock chose to save his money and was unable to buy a toy he wanted – this was his opportunity cost.

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Rock, Brock, and the Savings Shock

By Sheila Bair

What was Rock’s opportunity cost for spending all his money?

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Rock, Brock, and the Savings Shock

By Sheila Bair

Saver

    • Save for the future
    • Use money carefully
    • Keep their money safe
    • Wait for things / patient
    • Buy things they want more than what they need
    • Buy something without thinking a lot about it
    • Don’t save

Spender

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The boys open a bank account at the end of the story. What happened when the boys grew up?

Rock, Brock, and the Savings Shock

By Sheila Bair

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Rock, Brock, and the Savings Shock

By Sheila Bair

Link to worksheet:

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This worksheet goes along with the slide show!

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