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Adding to Phoebe, And 30 years you have more time, but . . . more interest. >:(
!!

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We should have had a test to go over all the vocabulary we have studied the whole time during everfi.

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When you swipe that credit card you better be ready...!

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Don't spend all your money at once because you need to save for things like college.

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Thing like Paid intrest show that there is a bad side to money. Paid Intrest=:( earned intrest :)

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You usually get your income monthly $ $
o

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Hmmmm......well, there is a drawback of both 20 years and 30 years. If you chose 20 years, you would have less time to pay back the money, but you wouldn't have as much interest to pay. I will finish this later.

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Paid interest = 😠 Teamo

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you should leave money in your account to get earned interest.

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Mr.schmidt thank you for putting us into this amazing course, next year I think you should have a daily meeting with your youngsters and help them under stand things they dont understand, and help catch kids up on things.😅

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Someone that knows about financial literacy;)(aka, Phoebe)

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Someone that knows about financial literacy;)(aka, Phoebe)

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You got that right! To Mason.

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Peer pressure is when people buy something just cause their friends do it.

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DEBT -When your expenses are higher  than Income.😞😞😞😞😞😡😡😡😒😒 :(

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I will remember the lessons about earned and paid interest, bills, and the best thing ever: $$$$$$$$$$$$$$$$$$$$$$$$$$$

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I like how we leaned about smart decisions with money early on so we don't make bad money decisions later on.

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I am going to put a lot of money in my account and leave it till I am older because I will get more paid intrest

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Earned interest =  : )
Paid interest = : (

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Paid interest is not your friend!

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we know the difference long term goals & short term goals.

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Income -$ you EARN😄😄😄😄

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A long term goals are things you need or want but take a long time to pay for or earn.

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Next year, maybe I'll give the kids a test on the vocabulary and also some short answer questions which force them to problem solve about using money. For example, a question like: "If you borrow money from a bank to buy a house, would it be better to borrow the money for 20 years or 30 years? Why? What are the positives and negatives of each choice?

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you know, insurinse good and bad at the same time, It makes me want to drop a tree on my house

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Always pay your bills on time!

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Maybe next year I will have the kids do the calculations for the paid interest.  Amazing for them to realize how much people pay when they borrow money and have to pay banks back.

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I learned that nothing is free in life like if u go trick or treating u still need money for the costume and the bucket for the candy. I also learned that if u keep money in the bank then you can earn interest which is just like getting money for keeping your money in the bank. You also have to pay interest and you pay interest because if you make a loan you need to pay the bank for them giving you money. i also loved how we can learn about this and we are 5th graders so people who are about to live on there own and take care of there own problems and they do not even know how to control their money. This was a really fun unit but I do think we should have talked and made EverFi something we do more at home because I really liked  EverFi but we should have talked more as a classroom. I also think we should have taken a test because everyone can see other peoples thoughts and people could have copied other peoples things so they may not have a good understanding of it but still wrote something really nice. :D

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A entrepreneur is a person who owns a businesses.

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It seems so amazing that we are in fifth grade and learning about financial literacy and most people get educated about that way later on. It's just awesome that we know all about this and even some adults don't know about this stuff!!!!!!!!!!!!!!!!!!:)

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Don't pay credit card bill means you will have to pay more intrest.

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I Learned that money is not just something you use  to buy things there are more things like intrest, debit, credit, and so on.

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I like how Mr. Schmidt could see what we did so we would not slack off and do nothing.

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I think that it was awesome to learn about money, so that I'll be different from those middle schoolers and I will know how to deal with bills and that other stuff.

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I liked the fact that kids could work on their own using the website, but then come to class to discuss.

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I liked learning about money now so I don't make mistakes in the future