FutureProfits
Empowering Youth to Make Wise Decisions About Life and Money
by
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Unit 1 – “Money In Your Neighborhood” establishes a foundation for the Life Economics curriculum, which understands that most choices are influenced by one’s surroundings and background. This unit expands students’ understanding of available opportunities by helping them analyze their attitudes and assumptions, thereby combating any negative information they have received. Unit 2 – “Financial Survival Skills – Budgeting” teaches students the important concepts of money management through a budget simulation exercise. The simulation gives students a realistic picture of what the financial life of an adult looks like, along with inspiring them to dream about their future opportunities for life and career. Unit 3 – “Financial Survival Skills – Understanding ‘The Game’” prepares students for financial success by helping them understand the rules of financial institutions. Not only does it stress the importance of making the most of the financial systems, but it also warns students of ways they may be taken advantage of, specifically avoiding bank fees, high interest rates, cycles of recurring debt, and predatory loans. Unit 4 – “What You Need To Succeed” helps students realize how their decisions today will impact their future. The unit gives students a perspective on how education and training relates to their future income. Through inspirational, real-life examples, students gain the tools for wise decision making and goal setting leading to a successful life.
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About the Book
Welcome to the next level in financial literacy training, designed to reach the emerging generation of youth in today’s media-driven economy. The FutureProfits curriculum blends essential life skills along with traditional financial literacy subjects, such as budgeting and banking, and also gives an in-depth look at topics including: • Understanding predatory lending schemes • How money circulates in urban communities • Race, class, and power structures in our society • How goal setting and decisions affect your future • The benefits of delayed vs. instant gratification This curriculum makes the shift from standard financial literacy training into insightful and inspiring lessons that relate to urban youth. It was derived from the observations of the effects of poverty in under-resourced communities nationwide. This whole person approach, called "Life Economics", is built to give students the tools to succeed in an economic system that a significant portion of youth is unprepared to navigate. FutureProfits empowers students with the tools to break the chains of poverty, giving them the resources to determine their destiny and impact their community.
About the Author
Northern California Urban Development (NCUD) was established in 2005 with the mission of transforming Northern California’s urban communities through economic empowerment and community development. NCUD seeks to break the cycle of poverty in local residents' lives by contributing needed resources, services, and financial education. Beginning in East Palo Alto, California, NCUD has fostered initiatives that encourage economic empowerment, leadership development, financial literacy and life skills education, and home ownership education. NCUD offers support and consulting services to assist community-based organizations, schools and churches that seek to implement programs similar to ours. Our staff has over 20 years of experience in their respective fields, and a wealth of knowledge to impart.