1. Wealth Creation For All
INSERT PRESENTER INFORMATION HERE (Name, Title, Firm)
Presenter’s introduction should include:
Greeting:
Hello and how are you doing today. I am NAME from COMPANY. I am the TITLE, which means I am responsible for AREA.
Company Profile:
My firm conducts business spanning GEOGRAPHIC FOOTPRINT and TYPE OF BUSINESS.
Responsibilities:
My responsibilities include DUTIES. A typical work day for me would start with ACTIVITY and end with ACTIVITY.
Insights:
The most challenging part of my job is … and the most exciting part of my job is …

2. Presenter greets the class and reviews the objectives of the visit:
Today, we’re going to discuss what is meant by wealth creation.
We will look at how to start saving and the importance of developing the habit of saving as early as possible.
We will also look at how individuals can invest their savings in the capital markets.
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3. Presenter explains that there are many ways and places to save money for the future, but one of the most important ideas about saving is to make it a habit;
every time you receive income of any kind.

4. Presenter introduces the video: Here’s a short video that highlights how saving helps create wealth and how the capital markets work for businesses and their investors. Play the video.
After the video, Presenter sums up the content: The video opened with two famous sayings by Benjamin Franklin: “A penny saved is a penny earned.” and “It’s not what you earn, it’s what you save.”
Ask the students, “Have you heard these sayings before?” If there are some students who have heard these sayings before ask them when and in what context? What was that person trying to tell them? Student responses should include how important Benjamin Franklin thought it was to save for the future.
You saw how small amounts of money can grow through compound interest. You learned how investing some of your savings in the capital markets can lead to greater value, to new opportunities to save and invest, and for entrepreneurs to pursue their dreams.

5. Presenter asks: How many of you think it is important to start saving early? Why? (Student responses will vary).
Presenter explains: Whether you save or not can make a big difference in how much money you have to borrow for college, what type of home you can afford, and how well you live in retirement. There are many ways to make your money grow. By starting with little, you can build financial strength through capital markets. To get started, it is important to develop the habit of saving early in life by putting aside a part of any money you earn or receive.
Presenter asks: What are some of the ways you can earn money? (Student responses may include chores, part time work, gifts from birthdays or holidays, interest in a bank account).
Presenter explains: Many people save a percentage or a part of their income every time they earn or receive money.

6. Golly! I can’t wait to ________ with my birthday money!
Presenter asks the following:
Give an example from the video of how one might start saving (Answer: by filling up a piggy bank, by opening a bank account)
Give two reasons from the video of why to put money into a bank account (Answer: to protect it and to earn interest)
What is interest? (Answer: interest is a fee paid by a borrower to a lender for the use of their money)
Why is a bank willing to pay interest? . (Answer: because the bank uses the money in your account to make loans to others who want to buy houses, cars and appliances, or to expand businesses)
How does the interest from the bank help your money grow? (Answer: through compounding: compounding can turn a very small amount of money into a much larger amount of money over time)
How much should you have in your savings account? (Answer: at least enough to cover emergencies)
Give an example from the video of an emergency for high school students. (Answer: an unexpected car repair)
Give examples of emergencies from the video for young adults. (Answer: a car repair or medical bills)
Presenter explains: If you are a little older than that, an emergency would be losing your job. If you do lose your job, you’ll want to ensure that you have enough saved to cover your living expenses for several months. Be sure to estimate your expenses and keep the necessary amount in your bank account to cover any emergencies.

7. Let’s Review
Once you have your emergency fund, what’s something good you can do with your savings?
2. What primary functions do the capital markets serve?
Why do people buy stocks and bonds?
Presenter asks: Once you have your emergency fund, what’s something good you can do with your savings?
Possible responses from students:
Invest in capital markets
Invest in stocks, bonds or mutual finds
Presenter asks: What functions do the capital markets serve?
They help people with ideas become entrepreneurs and help small businesses grow.
They give people like you and me opportunities to save and invest for our futures.
The capital markets bring buyers and sellers together to trade stocks, bonds and other financial assets.
Presenter asks: Why do people buy stocks and bonds?
They hope to earn a greater return than they would earn through a regular savings account.
They want to support a new business (stock) or a government project (bond).
They want to own part of a company and get involved.

8. Presenter asks: Do you like to ride your bicycle fast and enjoy the wind in your face? If you skateboard, do you like to do ollies (a jump on a skateboard)? If so, how do you prepare for it and how do you feel after you do it? Do you know you can wipe out if you ride too fast on your bike and you can fall trying to do an ollie?
Presenter explains: Riding fast on your bike or trying to do an ollie on your skateboard can be considered a risk because you could get hurt. The chances you’ll get hurt depend in part on whether you’ve practiced or studied your move. Sometimes even preparation can’t prevent you from “wiping out.”
Everyone has a different tolerance for risk. This includes taking financial risks. Doing your research before investing can help you make more informed decisions. And this can decrease your risk and increase your investment value.
As you can see in the risk pyramid, the more risky an investment is, the greater the potential reward. And, the lower the risk, the lower the potential reward.

9. Wealth creation occurs when ________.
Presenter asks: How does Wealth Creation occur? (Student responses will vary.)
Presenter explains:
Wealth creation occurs when you build your financial resources. You can start with a small amount and begin to save.
Saving and investing through compounded interest and good returns can lead to wealth creation.
This benefits individuals and the whole economy over time.
Banks and financial institutions use individuals’ savings to make loans to other individuals for the purchase or homes, cars, and other expensive items, and to businesses for the purchase of new buildings and equipment.
Presenter asks: What happens when you buy a stock?
Possible student answers
When you buy a stock, you are investing and you become a partial owner of a company.
Stockholders are allowed to vote on important company decisions and the election of officers.
The more shares of stock a stockholder has, the more times he or she can vote on something.
Even if you don’t have a large amount of stock, holding stock in a company or holding the bonds it issues allows you to support the company and its future. It also shows you have faith in the company and its business practices.
Wealth creation occurs when ________.

10. “Paying yourself first”
Presenter asks: What are the two important factors that influence the amount of savings you have besides the amount you save? (Student answer: Developing a saving habit and starting early.)
Presenter asks: What are some ways to help make you successful at building your savings? (Student answers will vary.)
Presenter explains that successful strategies include:
Saving a little of everything you earn or receive.
Seeing if you can set up your paycheck so some goes automatically into a savings account. This idea of saving right away is called “paying yourself first.” This is always a good idea because you won’t see the money, which means you probably won’t think about it—and you won’t spend it. Many employers also provide their employees with savings and retirement plans like 401(k)s that include investing in stocks, bonds, and mutual funds. You can choose to have money go directly from your paycheck into a set of investments. Also, many companies want you to save for the future, so they will match what you invest!
“Paying yourself first”

11. Let’s Review Compounding Saving to invest Growing your wealth
Emergency Protection
Yes, you can
Save some, spend some
Presenter explains: Start your savings plan with a small amount saved today, in a bank account.
Through compounding, you will be able to grow a larger sum.
With perseverance and discipline you can use some of your savings to invest in stocks, bonds, and mutual funds.
If you make well-informed choices, your wealth will grow.
If you have an emergency, you will be protected.
If you have something important you want to purchase, you can do so.
With discipline and proper planning, when you spend some, you’ll still have enough for the next day or the next opportunity.

12. The presenter wraps up: Thank you for your attention and time today.
I hope you now have a better understanding of what the capital markets are, what they do for us, and why that’s important.
I asked you a lot of questions today. Now it’s your turn to ask me questions.

13. APPENDIX reference slides to use if video is not available

14. If you did not use the video, discuss the lesson content:
Benjamin Franklin was known for many things including his “pearls of wisdom” or important  sayings. Two of Franklin famous sayings are: “A penny saved is a penny earned.” and “It’s not what you earn, it’s what you save.” These sayings point out how important Franklin thought saving for the future was.
Do you save?
That’s a question with lifelong implications. Whether you save or not can make a big difference in how much money you have to borrow for college, what type of home you can afford, and how well you live in retirement. There are many ways to make your money grow. The good news is that by starting with very little, you can build financial strength through capital markets.
To get started, it is a good idea to develop the habit of saving early in life by putting aside a part of any money you earn or receive as a gift for a birthday or holiday.  
How do I start saving?
You might start by filling up a piggy bank, but eventually you’ll want to get that money into a bank account where you can protect it and also earn some interest. Interest is a fee paid by a borrower to a lender for the use of their money. The bank pays you interest because the bank uses the money in your account to make loans to others who want to buy houses, cars and appliances, or to expand businesses.
The interest the bank pays you helps your savings grow through compounding. Compounding can turn a very small amount of money into a much larger amount of money over time.
How much is enough in savings?
Ideally, there should be enough in your savings account to cover emergencies. For high school students, an emergency might be an unexpected car repair. For young adults, an emergency could be a car repair or medical bills. If you are a little older than that, an emergency would be losing your job. If you do lose your job, you’ll want to ensure that you have enough saved to cover your living expenses. Be sure to estimate your expenses and keep the necessary amount in your bank account to cover any emergencies.
What can you do with the extra savings?
With the rest of your savings, look into capital markets. Capital markets include the stock market and the bond market. They help people with ideas become entrepreneurs and help small businesses grow, while giving us—people like you and me—opportunities to save and invest for our futures. It takes very little to participate. The capital markets bring buyers and sellers together to trade stocks, bonds and other financial assets.

15. If you did not use the video, discuss the lesson content:
People buy stocks and bonds because they hope to earn a greater return over time than the amount they would earn through a savings account. However, with stocks and bonds, there’s a risk that you might not earn a return or you might even lose your initial investment—also called your principal.
Why buy stocks and bonds?
What about risk?
Would you go mountain climbing or on an expedition to the North Pole? Activities that offer great experiences are also often the most unpredictable and challenging. Some people will take the risk of getting lost or injured so they can see beautiful and rare places. Others do not think the potential rewards of such activities are worth the risks. Just as everyone has a different tolerance for risky, adventurous behavior, all people have a different tolerance for financial risk. Doing your research can help you make more informed decisions to lessen your risk and increase your wealth creation. The higher the risk of loss of principal for an investment, the greater the potential reward. And, the lower the risk of loss, the lower the potential reward.
How is wealth created?
Wealth creation occurs when you build your financial resources. Saving and investment lead to wealth creation, which benefits individuals and the whole economy over time. This is because banks and financial institutions use individuals’ savings to make loans to other individuals for the purchase or homes, cars, and other expensive items, and to businesses for the purchase of new buildings and equipment.
What happens when you buy a stock?
When you invest by buying a stock, you become a partial owner of a company. Stockholders are allowed to vote on important company decisions and in the election of officers. The more stock a stockholder has, the more votes he or she gets to exercise. But even if you don’t have a large amount of stock, holding stock in a company or holding the bonds it issues allows you to support of a company and its future, and shows you have faith in its business practices.
What do I need to know to start saving?
Saving isn’t just about how much you choose to save. It’s about developing a saving habit and starting early. It can be pretty easy to develop a saving habit. Save a little of everything you earn or receive. When you have your first part-time or summer job, and as you move into your role as a working adult, see if you can set up your paycheck so some goes automatically into a savings account. This idea of saving right away is called “paying yourself first.” This is always a good idea because if you don’t see the money, you probably won’t think about it—and you won’t spend it. Many employers also provide their employees with savings and retirement plans like 401(k)s that include investing in stocks, bonds, and mutual funds. You can choose to have money drawn directly from your paycheck to invest in these plans.
Conclusion
Start your savings plan with a small amount saved today, in a bank account. Through compounding, you will be able to grow a larger sum. With perseverance and discipline you can use some of your savings to invest in stocks, bonds, and mutual funds. If you make well-informed choices, your wealth will grow. If you have an emergency, you will be protected. If you have something important you want to purchase, you can do so. And with discipline and proper planning, when you spend some, you’ll still have enough for the next day or the next opportunity.