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Interactive Internet Game Activity
Bill and Penny are just like the young people we all know. Some have the knowledge to make good decisions and some do not have that background knowledge. This activity helps provide that knowledge so that all young people can make financial decisions that will prepare them for their future. Bill likes to buy doodads, however, doodads do not help him prepare for his future. They are for the present. Penny on the other hand likes to pay herself first. Because of this she will be preparing herself for the future and positioning herself to be able to afford doodads.

Learning Objectives
· Understand the concept of "Pay Yourself First"
· Perform mathematical calculations
· Prepare a chart graphing calculated quantities

Assessments
Students will: (1) Analyze a scenario to understand the concept of "Pay Yourself First,"
(2) Solve mathematical problems to determine accumulated wealth, (3) Prepare a graph including identifying units for the axes.

Classroom Activities
1. Pay Yourself First - The Bill & Penny Story - Use the Overview as the introduction to the concept of "Pay Yourself First." Have a student read Bill's story and have another student read Penny's story. Have students name something that they would like to save for.
2. Penny's PYF Investing - Penny has been busy. She has worked hard to discover ways to make her dream come true. Help students work through the series of opportunities that allowed Penny to achieve her dream. Complete the cross-number puzzle. Students can check these answers with you before they begin the next activity.
3. Growth Chart - Use the calculations from Penny's PYF Investing to create a chart or graph that will illustrate the growth of Penny's investments. Have students choose what the two axes should represent. (One suggestion is dollars and time.)

Class Discussion Questions
1. What are the investments that Penny made to accumulate her wealth?
2. What do you think Penny will do with the $33,756 in her PYF Investing account?
3. Do you believe that Bill will begin to follow Penny's plan for "Paying Yourself First?"
4. How will you plan to "Pay Yourself First?"

(Charts and activity sheets continue in the downloadable PDF file above.)