Summary

An intermediate 4-H consumer education project that builds practical money and decision-making skills. Youth explore careers and pay types, practice price comparisons, and explain concepts like supply and demand and cost of living. The project introduces common tax terms and paycheck deductions, tracking spending, and creating a savings-spending plan with SMART goals. It also covers banking basics, emergency funds, and credit and interest, plus consumer protection topics like insurance, identity theft, and fraud. Activities include comparing renting versus owning and learning how charities and non-profits use donations.