



HOW DOES YOUR
GARDEN GROW?
The First Financial Planning Manual
for Kids
By E. Gahagan Sims
So how do we avoid bankruptcies, foreclosures, debt, and elderly poverty if we are never taught about it our homes or in our schools? Greenhouse Finances has developed a program called the Greenhouse where children, grouped by ages 8 to 13 and 14 to 18, are taught about personal financial planning related to short term and long-term goals. A “5 + 1 Program” will be piloted in various school districts in southern California. Seed monies requested for $2.5 million have been budgeted to implement the program.
At the Greenhouse, it is understood that teachers are over-burdened with a curriculum designed to raise the standards of education per the state guidelines. There is no additional time allotted within a school day to incorporate lessons about the importance of personal financial planning. In addition, many teachers have not been sufficiently trained in matters of personal financial planning. Therefore at the option of the parents, these school age children can attend an after-school or evening or weekend program to learn about financial matters that will not only improve their way of life, but the eventual economic condition of our nation in which they will function as viable, contributing citizens.
This manual is a fun and engaging ways for kids to earn and manage their monies early. This is a guide to develop millionaires and economic stability for their and our future.
Hey, Cameron is a teen!
Planting: Seeding different gardens for savings, future, and fun stuff!
Sowing: Scattering the first plants and re-seeding or mixing savings and investments!
Pruning: Cutting off and reshaping sprouts for more fruitful growth!
Cultivating: Fostering future growth by weeding and re-churning or adjusting to now!!
Taxes: Paying what is due and practicing ethics!
Entrepreneurship: Owning your own business or working for mom or dad -
Hey, Greenhouse Finances is owned by a teen!