Money Habitudes® 2 lessons use a non-judgmental tone, non-technical content, and teen–friendly
context to fully engage students in the learning process. At every stage, the emphasis is on self-discovery
through observation, discussion, reflection, and creative activities.
Youth gain confidence when they realize financial success depends more on taking personal control
of their habits and attitudes than their math skills or the amount of money they have.
Money: An Emotionally Charged Topic
M
oney can represent power, control, acceptance, freedom, independence, and many other strong
feelings and beliefs that can be hot buttons for youth (and adults). The Money Habitudes II® Cards
provide a lively activity to explore these feelings and beliefs before delving into more structured financial
literacy topics.
However, they are also designed to help teens realize how their money habits and attitudes influence
other parts of their lives, such as relationships, education, jobs, and career choices. For some students,
these connections can lead to sharing information about their families or their own experiences that
could be very personal.
For example: one teen revealed he learned to hide his money so his father would not steal it and
spend it on his girlfriend. Another said her mother instructed her to say certain things to the judge that
weren’t true to compel her father to pay more child support. In contrast to these spontaneously shared
statements, another teen, who had a tumultuous home life, was unusually quiet, kept her cards private,
and didn’t participate in the discussion although she was clearly interested and engaged.
Be a sensitive adult! It’s very important to be extremely sensitive in response to these situations. If you
have concerns regarding inappropriate sharing, you may want to be more structured in how you set up the
discussions. For example, students can complete worksheets or journal writing instead of sharing as a group.
Furthermore, it is not necessary to require everyone to share personal examples or display their card sort.
Be aware! Know what issues are unique to your culture or community. Maybe one local industry
employs most of the adults in town or the students are from a specific culture or economic class that has
different customs. It is helpful to be aware of the mindset that might be prevalent in the school system,
the community, and among your students and their families.
Money Habitudes II® for Young Adults Cards
M
oney Habitudes II® Cards are a fun, non-threatening way for teens and young adults to discover
their money habitudes. The unique deck of cards, based on research in finance, psychology, and
behavioral economics, includes:
• Fifty-four statement cards
• Three sorting cards
• Directions
• Two general interpretation cards
• Interpretation and “next steps” cards specific to each of the six habitudes
Copyright ©2014 The Dibble Institute. iv
context to fully engage students in the learning process. At every stage, the emphasis is on self-discovery
through observation, discussion, reflection, and creative activities.
Youth gain confidence when they realize financial success depends more on taking personal control
of their habits and attitudes than their math skills or the amount of money they have.
Money: An Emotionally Charged Topic
M
oney can represent power, control, acceptance, freedom, independence, and many other strong
feelings and beliefs that can be hot buttons for youth (and adults). The Money Habitudes II® Cards
provide a lively activity to explore these feelings and beliefs before delving into more structured financial
literacy topics.
However, they are also designed to help teens realize how their money habits and attitudes influence
other parts of their lives, such as relationships, education, jobs, and career choices. For some students,
these connections can lead to sharing information about their families or their own experiences that
could be very personal.
For example: one teen revealed he learned to hide his money so his father would not steal it and
spend it on his girlfriend. Another said her mother instructed her to say certain things to the judge that
weren’t true to compel her father to pay more child support. In contrast to these spontaneously shared
statements, another teen, who had a tumultuous home life, was unusually quiet, kept her cards private,
and didn’t participate in the discussion although she was clearly interested and engaged.
Be a sensitive adult! It’s very important to be extremely sensitive in response to these situations. If you
have concerns regarding inappropriate sharing, you may want to be more structured in how you set up the
discussions. For example, students can complete worksheets or journal writing instead of sharing as a group.
Furthermore, it is not necessary to require everyone to share personal examples or display their card sort.
Be aware! Know what issues are unique to your culture or community. Maybe one local industry
employs most of the adults in town or the students are from a specific culture or economic class that has
different customs. It is helpful to be aware of the mindset that might be prevalent in the school system,
the community, and among your students and their families.
Money Habitudes II® for Young Adults Cards
M
oney Habitudes II® Cards are a fun, non-threatening way for teens and young adults to discover
their money habitudes. The unique deck of cards, based on research in finance, psychology, and
behavioral economics, includes:
• Fifty-four statement cards
• Three sorting cards
• Directions
• Two general interpretation cards
• Interpretation and “next steps” cards specific to each of the six habitudes
Copyright ©2014 The Dibble Institute. iv
