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Read NGPF's school-by-school analysis of financial education in America today
“US households spent $3,008, or about $8.35 a day, on average, eating out in 2015… Investing $3,008 each year… would add up 30 years later to… more than $250,000. Similarly, investing $3.50 a day for 30 years instead of buying a latte would add up to savings of nearly $107,000”. (USA Today, June 2017)
_________
We all know that it is hard to save enough for retirement. Financial education teachers also know that students sometimes struggle to relate decisions in their current, daily lives, with how much they will need when they retire much later in life. This interesting article attempts to help close this inter-temporal gap by framing our current weekly spending choices in terms of equivalent dollar amount closer to retirement. “Is eating lunch out two times a week worth losing out on a potential investment windfall of $88,000?”
Questions for Students:
Tips to Spend Less/Save More:
Want to Learn More:
Understanding opportunity cost in everyday decision making is a strong financial habit of mind. A penny saved is a penny earned, particularly with the power of compounding interest. We can help our savings for retirement and other life goals in the long-run, simply by making wiser daily spending decisions today.
Students can explore these savings decisions further through our activity, What If You Invested That Latte?
As a young Indian immigrant, Hari was extremely privileged to learn about financial literacy by way of his parents....
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