Seminar for Grades 5-8. Drawing from the High School Financial Planning Program offered by the National Endowment for Financial Education and the Money Smarts curriculum offered by the National Association of Federal Credit Unions, middle school kids and their parents will explore the concepts of: •Needs vs. wants •Planning and goal setting •Saving and paying yourself first •Spending wisely •Gift cards Lively, thought-provoking questions and real-life examples will get everyone thinking about the importance of balancing needs vs. wants and how planning and saving today can really pay off down the road. Certain seminar content contains information and/or images from, and is used with permission by, the National Endowment for Financial Education, the National Association of Federal Credit Unions and the JumpStart Coalition for Personal Financial Literacy. Parent/Guardian must register participants under 18. Participants in the Building Dreams and Dollar Power seminars must be accompanied by a parent or guardian.