Camp Schedule

Theme: Where does money go, and where do you want it to go?
8:45 to 9:00 AM | Kickoff + Icebreaker
Welcome from Camp Director Sean Oliver and the activity: “If I Gave You $2,000 Right Now…” Students decide whether they would spend, save, invest, or give it away.

9:00 to 9:45 AM | Financial Goals That Actually Matter
Students learn short-term vs. long-term goals using real-life examples like phones, cars, college, and travel.

9:45 to 10:30 AM | Delayed Gratification
Students discuss how waiting, planning, and avoiding pressure can lead to better financial choices.

10:30 to 11:15 AM | Personal Money Goals Workshop
Students create one short-term goal, one mid-term goal, and one long-term goal.

Theme: Every dollar needs a job.

8:45 to 9:00 AM | Monday Recap Game
Quick review trivia and discussion from Monday’s lesson.

9:00 to 9:20 AM | Budgeting Basics
Students learn what a budget is, why it matters, and how income, expenses, and savings work together.

9:20 to 10:00 AM | Needs vs. Wants Challenge
Students work through limited-money scenarios and discuss priorities and trade-offs.

10:00 to 10:45 AM | Emergency Fund: Rainy Day Money
Students learn why unexpected expenses matter and set a personal emergency savings goal.

10:45 to 11:15 AM | Short-Term vs. Long-Term Planning Game
Students see how small choices can affect future outcomes.

Theme: Understanding how money systems work.

8:45 to 9:00 AM | Tuesday Recap + Scenario Warm-Up
Scenario: “You just opened your first bank account. What do you do first?”

9:00 to 9:45 AM | Banking Basics
Students learn about checking accounts, savings accounts, debit cards, ATMs, overdrafts, and bank fees.

9:45 to 10:30 AM | Credit & Debt Simplified
Students learn what credit is, why credit scores matter, and how credit cards can help or hurt.

10:30 to 11:15 AM | Credit Card Simulation Activity
Scenario: “You receive a $1,000 credit card limit.” Students decide how to use it and discuss smart vs. risky choices.

Theme: Don’t just make money. Learn how to grow it.

8:45 to 9:00 AM | Wednesday Recap Challenge
Quick review of banking, credit, and debt concepts.

9:00 to 9:45 AM | Earning Money
Students compare jobs and side hustles and learn how skills, discipline, and consistency can create income.

9:45 to 10:30 AM | Investing Basics
Students learn what investing is, how stocks represent ownership, and how compound interest supports long-term growth.

10:30 to 11:15 AM | Growth Simulation Activity
Scenario: “If you invest $100 per month…” Students explore long-term outcomes and discuss patience and delayed reward.

Theme: Real-world financial decision-making.

8:45 to 9:00 AM | Weekly Recap Game
Review of the week’s major financial lessons.

9:00 to 9:45 AM | Smart Spending
Students discuss impulse buying, emotional spending, peer pressure, and needs vs. brand names.

9:45 to 10:30 AM | Cost of Living Reality Check
Students learn about rent, food, transportation, and other basic adult expenses.

10:30 to 11:00 AM | Final Challenge: Build a Life Budget
Scenario: “You make $2,000 per month. Build your life budget.” Students allocate income to real-world expenses.

11:00 to 11:15 AM | Graduation Reflection
Students reflect on what changed in their thinking about money and choose one financial goal moving forward.