Everyday Money Habits

Resource pack · 4 sheets

Adult Track Pack.

Four run-it-in-one-sitting group sessions for adults past the basics: paying off debt the honest way, choosing which account and why, the insurance you actually need, and giving plus what you leave behind.

For a leader running the adult sessions of a money course

michaelwestfinancials.com/resources/packs/adult-track.html

  1. Classroom packet · Debt payoffDebt, the honest way — group sessionA run-it-in-one-sitting handout on paying off debt without the myths. Rank six money moves together — one retirement move and five debts — and see why the employer match comes before every debt, why the rate (not the balance) sets the urgency, and why the payoff method barely matters. No prep, no math background.
    • Classroom
    • Beginner
    • ~30 minutes
    michaelwestfinancials.com/resources/debt-payoff-class-packetOpen & print
  2. Classroom packet · AccountsWhich account, and why — group sessionA run-it-in-one-sitting handout on the accounts, not the investments. Fill a tax-deal grid together to see what each wrapper really does — 401(k), Roth and Traditional IRA, HSA, brokerage, 529 — then make the Roth-vs-Traditional choice on purpose instead of by default. No prep, no math background.
    • Classroom
    • Beginner
    • ~30 minutes
    michaelwestfinancials.com/resources/accounts-class-packetOpen & print
  3. Classroom packet · InsuranceThe insurance you actually need — group sessionA run-it-in-one-sitting handout on which insurance is worth buying. Guess an odds, then sort real coverages into need / skip / depends with one simple test — could you write a check and move on? — and find the gap most people carry without knowing it. No prep, no math background.
    • Classroom
    • Beginner
    • ~30 minutes
    michaelwestfinancials.com/resources/insurance-class-packetOpen & print
  4. Classroom packet · Giving & estateGiving & what you leave — group sessionA run-it-in-one-sitting handout on money's life beyond you — giving on purpose, and what you leave behind. Sort out who actually decides where each thing goes (your will, a form, or a court), and everyone leaves with one move: a giving rate, a beneficiary form checked, or a will started. No prep, no math background.
    • Classroom
    • Beginner
    • Parent
    • ~30 minutes
    michaelwestfinancials.com/resources/giving-estate-class-packetOpen & print

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