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Week 3: Investing Isn’t Optional — It’s Survival

The Axe Method Financial Literacy Curriculum

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🎯 Learning Objectives

  • - Understand what investing means and why it matters
  • - Learn the basic types of investments (stocks, ETFs)
  • - Discover the power of compound growth
  • - Begin thinking like an owner, not just a spender

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📈 What Is Investing?

  • Investing means putting your money into something with the goal of growing it over time. You’re planting seeds that multiply — unlike savings, which just sit there.

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⏳ Why You Can’t Wait

  • Inflation eats your money. If you’re not investing, your dollars are shrinking.
  • Investing lets your money work harder than you can. The earlier you start, the more time it has to grow.

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🧠 Real-World Example

  • Invest $100/month from age 20–60 at 8% return = ~$300,000
  • Wait until age 30? You only have ~$132,000.
  • Waiting costs $160K+. Time in the market beats timing the market.

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📊 Investment Types Made Simple

  • - Stocks: ownership in a company (e.g., Apple, Tesla)
  • - ETFs: a basket of many companies (e.g., S&P 500)
  • - Bonds: loans to companies/government with interest

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  • You don’t need to pick perfect stocks. You need to start.

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✍️ Guided Activity

  • 1. List 3 companies you love or use daily (e.g., Netflix, Nike, McDonald's)
  • 2. Look up their stock ticker & price
  • 3. Would you rather be a consumer or an owner?

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🧠 Mini Glossary

  • - Stock: Piece of a company
  • - ETF: Group of assets in one package
  • - Brokerage Account: Where you buy/sell investments
  • - Compound Growth: Earning interest on your earnings

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🧨 Weekly Challenge

  • Open a brokerage simulator (Webull, Investopedia, M1 Finance).
  • Create a pretend $500 portfolio.
  • Track it for a week and journal what you learn.

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🗣 Journal Prompt & ✅ Recap

  • Journal Prompt:
  • “What kind of future do I want my money to build—and what am I doing about it today?”

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  • ✅ Recap:
  • - Investing = ownership and power
  • - Compound growth builds freedom
  • - Start now. Small moves → big results over time

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