7th grade students use an account balance sheet to track their expenses/deposits.  This requires math skills (and sometimes a calculator).Recent years of tough economic times have increased awareness of the need for financial literacy; however, Americans still have a long way to go toward making improvements. In 2014, the Jump$tart Coalition compiled a series of statistics that state that even though youth intend to work and save dollars, more students have increased 36% from the previous years of student and credit card debt.  Youth are not getting the financial education which they will need for adulthood. According to the 2008 results of the Jump $tart Coalition Survey among 12th grade students received only an average score of 48.3% average on financial literacy testing. (2008 Jump $tart Coalition Survey Results).

The Meade County Extension Agent for 4-H Youth Development Education partnered with the administrative team (principal, youth service center coordinator, 7^th grade counselor and 7^th grade social studies teachers) to implement the 4-H It’s Your Reality program for all 385 7^th grade students (203 Male, 182 Female, 334 Caucasian, 7 Black/African American, 1 American Indian/Alaska Native, 2 Asian, 1 Native Hawaiian/Other Pacific Islander, 22 Hispanic/Latino and 18 Two/More Races) at the school.  

The 4-H It’s Your Reality program works to teach students life skills, the importance of valuing their education and how the effects their life choices can impact their futures.  The program was presented in the classrooms by the social studies classroom teachers; the five lessons covered topics such as money habitudes, budgeting basics, financial goal setting, credit card basics, and having and balancing a bank account.   The 4-H Agent provided the youth service coordinator and the 7^th grade counselor the materials and resources to conduct a teacher professional development workshop that covered the lesson “Money Habitudes” and explained the flow of the 4-H It’s Your Reality program.   The culminating event was “Getting Ready to Face Your 4-H Reality” day where students entered the gym and visited community volunteer hosted booths and had to pay monthly bills just like their parents do each month; booths included: childcare, housing, transportation, contributions, grocery and many others.  Each student had a specific amount of money based off their future career choice and level of education they planned to complete.  Some students had a family to care for and those were distributed at random in the classroom.  Students were expected to visit every booth to pay their monthly bills and then reserve 3%-10% of their income for savings. 

After the program, classroom teachers facilitated the process of the students completing an online evaluation using the Qualtrics system to assess their pre and post responses to the program.  This pre/post assessment brought about the following results.

Before participating in 4-H It’s Your Reality Program:

1. 84 percent felt they were good or excellent at budgeting their money.
2. 83 percent felt they were good or excellent at making wise financial choices.
3. 82 percent recognized the importance of the link between their career choice and their preferred lifestyle.
4. 67 percent understood what it costs to raise a child.
5. 81 percent were saving for a future economic goal.

After participating in 4-H It’s Your Reality Program:

1. 89 percent felt they were good or excellent at budgeting their money. (+6%)
2. 90 percent felt they were good or excellent at making wise financial choices. (+7%)
3. 89 percent recognized the importance of the link between their career choice and their preferred lifestyle.  (+7%)
4. 85 percent understood what it costs to raise a child.  (+18%)
5. 89 percent were saving for a future economic goal.  (+8%)
6. 48 percent indicated they would definitely be working harder in school.
7. 47 percent indicated they would definitely be extending their education beyond high school.
8. 69 percent indicated they would definitely be beginning to save more money for future goals.

Students were asked how they will plan for the unexpected things that happen in life regarding finances.  Responses included:

1. “I would plan for unexpected thing sin my life by saving at least $400+ to afford anything that may be suddenly happening.  This includes hospital bills, rent bills, car insurance, etc.  If I were to quit my job in the future in search of a job that paid more, I would most likely buy new subscriptions and cancel my old ones for entertainment or get my child better things when they get older.”
2. “I will  plan by saving more money for the things I need and I will find a good job that I like.”
3. “I will do my best.”

Students visited a donations booth to choose an organization or cause they felt was worthy of their hard earned money.  Almost $3000 was donated (pretend money of course) showing the compassion and concern students have for others outside their own home.

Students from the Meade County High School Bank and FBLA Student Organization volunteered as booth hosts for the 7th grade students.

The Grocery booth is always a popular stop!