{"id":95298,"date":"2025-05-01T17:28:11","date_gmt":"2025-05-01T21:28:11","guid":{"rendered":"https:\/\/danielschristian.com\/learning-ecosystems\/?p=95298"},"modified":"2025-05-01T17:28:11","modified_gmt":"2025-05-01T21:28:11","slug":"reflections-on-personal-finance-for-students-teachers-could-use-it-too-heubeck","status":"publish","type":"post","link":"http:\/\/danielschristian.com\/learning-ecosystems\/2025\/05\/01\/reflections-on-personal-finance-for-students-teachers-could-use-it-too-heubeck\/","title":{"rendered":"Reflections on “Personal Finance for Students? Teachers Could Use It, Too” [Heubeck]"},"content":{"rendered":"

Personal Finance for Students? Teachers Could Use It, Too<\/strong><\/a> — from edweek.org by Elizabeth Heubeck<\/p>\n

More states are mandating personal finance courses for high schoolers, but what if their teachers aren\u2019t confident managing money themselves?
\n…
\nBut as momentum grows around students\u2019 financial education, a key issue is often overlooked: Many teachers don\u2019t feel confident in their own financial knowledge.<\/p>\n

It\u2019s not a problem unique to teachers. Experts report that many U.S. adults lack financial literacy, which, until very recently, was rarely required as a high school graduation requirement. Few teachers study it in college, despite recent surveys of K-12 educators indicating a strong interest in the subject. And once in the classroom, teachers rarely take time to learn subjects that would benefit their own lives, like personal finance, says Yanely Espinal, a financial educator and former classroom teacher.<\/p>\n

It\u2019s very rare that you see a teacher pause and consider their own needs, asking themselves things like, \u2018How can I set myself up financially? Am I on track?,\u2019\u201d<\/strong><\/span><\/p><\/blockquote>\n

\n

From DSC:<\/span><\/em>
\nIf you are working in K-12 or in higher education, don’t rely on the contributions that your organization makes to your 403(b) or your 401k plans (the type of plan depends upon your organization’s for-profit or non-profit\/tax-exempt status). You should be investing wisely. Those 6-10% contributions won’t cut it these days, even after working 30+ years at a place that contributes that kind of funds to your retirement accounts. You need to invest aggressively if you are going to retire at age 65 (or even younger).<\/strong><\/span><\/p>\n

I worked in the corporate world for half of my career and I’m glad that I did. It helped me understand more about personal finance and investing. It helped me get started building a nest egg. But it was really aggressive investments in a couple of key companies that helped me the most. I’m not here to specify which companies to invest in. I’m just saying that if you are relying on 6%-10% contributions to meet your retirement-related needs, you may end up with far less than you’ll need to retire.<\/span><\/p>\n

I’m glad that they are teaching personal finance these days in K-12. I hope they add some basic legal knowledge to the curricula as well.<\/span><\/p>\n

\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Personal Finance for Students? Teachers Could Use It, Too — from edweek.org by Elizabeth Heubeck More states are mandating personal finance courses for high schoolers, but what if their teachers aren\u2019t confident managing money themselves? … But as momentum grows around students\u2019 financial education, a key issue is often overlooked: Many teachers don\u2019t feel confident […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[61,115,302,324,72,343,71,37,3,419,46,212,89,321,214,299],"tags":[],"class_list":["post-95298","post","type-post","status-publish","format-standard","hentry","category-business-side-of-he","category-colleges","category-community-colleges","category-curriculum","category-daniel-s-christian","category-education","category-faculty-staff","category-future","category-higher-education","category-ideas-teaching","category-k-12-related","category-surviving","category-teachers","category-united-states","category-universities","category-workplace"],"_links":{"self":[{"href":"http:\/\/danielschristian.com\/learning-ecosystems\/wp-json\/wp\/v2\/posts\/95298","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/danielschristian.com\/learning-ecosystems\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/danielschristian.com\/learning-ecosystems\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/danielschristian.com\/learning-ecosystems\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/danielschristian.com\/learning-ecosystems\/wp-json\/wp\/v2\/comments?post=95298"}],"version-history":[{"count":5,"href":"http:\/\/danielschristian.com\/learning-ecosystems\/wp-json\/wp\/v2\/posts\/95298\/revisions"}],"predecessor-version":[{"id":95303,"href":"http:\/\/danielschristian.com\/learning-ecosystems\/wp-json\/wp\/v2\/posts\/95298\/revisions\/95303"}],"wp:attachment":[{"href":"http:\/\/danielschristian.com\/learning-ecosystems\/wp-json\/wp\/v2\/media?parent=95298"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/danielschristian.com\/learning-ecosystems\/wp-json\/wp\/v2\/categories?post=95298"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/danielschristian.com\/learning-ecosystems\/wp-json\/wp\/v2\/tags?post=95298"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}