Dollars and Sense Seminar for Grades 9 - 12 Drawing from the National Endowment for Financial Education High School Financial Planning Program and the National Association of Federal Credit Unions Money Smarts curriculum, high school teens and their parents will explore the concepts of: •Needs vs. wants •Planning and goal setting •Saving and paying yourself first •Sound money management using checking accounts and debit cards •Gift cards •Using credit wisely 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. Participants will also learn about the benefits and dangers of debit cards and credit cards, and how actions today can have an impact on options 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. Participants in the Dollars & Sense seminars are strongly encouraged to attend with a parent or guardian.