Helping Children Build Strength and Smart Financial Habits During Hardship
Equip your child with the resilience, financial awareness, and self-discipline needed to navigate financial challenges.
Resilience Through Hardship

Plan Objectives:
Building Financial Awareness: Teach children the basics of budgeting, saving, and making responsible financial choices.
Developing Self-Discipline: Help children understand the importance of planning and managing their financial habits wisely.
Encouraging Resilience: Support children in handling economic challenges with confidence and a positive mindset.
Setting and Achieving Goals: Guide children to establish realistic financial and personal goals for the future.
Differentiating Needs from Wants: Provide tools to help children make informed financial decisions and prioritize essential needs.
Why This Plan?
This plan addresses the following challenges by developing targeted skills
Real-Life Applications
How this plan's skills apply to real-world scenarios for everyday success
Making Smart Spending Decisions
Teaches children how to prioritize spending and manage a budget.
Practicing Self-Control with Money
Helps children develop self-discipline and avoid impulsive spending.
Setting Financial and Life Goals
Encourages children to establish realistic and meaningful financial goals.
Recognizing Needs vs. Wants
Guides children in distinguishing between necessary expenses and non-essential desires.
Courses Included
Financial Literacy I
Course Objectives: Intellectual
Finance
Money Management: Understand the crucial role of budgeting and goal setting in managing finances.
Spending Decisions: Differentiate needs from wants to make informed financial choices.
Saving Habits: Develop robust saving strategies for both short and long-term financial goals.
Digital Finance: Explore both digital and physical aspects of money management, including safe online transactions.
Smart Spending: Recognize the benefits of comparison shopping and making wise spending decisions.
The Art of Self-Discipline
Course Objectives: Emotional
Self-Discipline
Better Decisions: Develop self-discipline for improved decision-making and focus.
Emotional Regulation: Manage emotions to reduce impulsive behaviors and build resilience.
Healthy Habits: Create routines to sustain long-term success in daily life.
Overcome Procrastination: Prioritize tasks and stay productive at school and home.
Goal Achievement: Commit to short- and long-term goals for personal growth.
Resilient You: What is Resiliency?
Course Objectives: Emotional
Resilience
Resilience Building: Enhance resilience through effective goal-setting and learning from setbacks.
Emotional Regulation: Improve well-being by developing skills for managing stress and emotions.
Self-Care Practices: Foster resilience by engaging in restful, relaxing, and physical activities.
Relationships: Develop healthy interpersonal connections using empathy and communication.
Personal Growth: View challenges and changes as opportunities for personal development and adaptability.
Exploring You: A Journey to Self-Awareness
Course Objectives: Emotional
Self-Awareness
Emotional Intelligence: Recognize and manage emotions to improve mental well-being.
Self-Awareness: Understand how personal values influence decision-making.
Boundaries: Set healthy boundaries and practice assertive communication.
Resilience: Build resilience through coping strategies and self-acceptance.
Self-Reflection: Enhance skills for positive self-talk and ongoing development.
Meet the Course Creators

Heather Gossler
A part-time teller job led to an MBA from DeSales University in the United States and a 27 year career in the finance and banking industry. I developed a youth banking program at my bank believing that it is never too young to learn to make good financial decisions. I took the program out into the surrounding communities’ schools to teach students basic finance. I then discovered that my true calling was education. I left the executive offices of banking and began my teaching career, which I’ve been doing for 15 years. I went back to school and earned my M.Ed. in Educational Leadership from Cabrini College. I’ve taught middle school students the subjects of U.S.History, English and Language Arts, Science, and Family and Consumer Science which included a unit on personal finance. My ultimate goal is to help students find their passion for learning what it takes to be the best person they can be.
Gossler created her own or was part of the team that created the course.
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Financial Literacy I

Melissa Miletic
Melissa Miletic is a dynamic educator with over ten years of experience in education, beginning her journey with a transformative volunteer stint abroad at 18. She has since navigated all facets of education, from policy-making to classroom teaching, driven by her multicultural upbringing and a deep belief in the value of diversity. Committed to providing holistic, inclusive, and high-quality education, Melissa strives to impact learners across all demographics and geographies. Her approach blends modern methodologies with a global perspective, aiming to make learning engaging, relevant, and accessible to everyone. Holding a double bachelor’s degree in International Relations and Communication from the University of South Florida and a master’s in International Education from New York University, Melissa’s expertise lies in crafting educational experiences that resonate universally. Her professional and personal mission is to champion education as a transformative force, bridging cultural divides and fostering understanding in a connected world.
Melissa created her own or was part of the team that created the course.
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The Art of Self-Discipline

Dr. Kymberli Barker
Dr. Barker is the mother of two fantastic young men, and they are her priority in life. She holds degrees in biochemistry, math, forensics, and psychology. She is a consultant and a professor at multiple colleges, including the Citadel, and Johns Hopkins Center for Talented Youth. She spent fifteen years in public education, prior. Her personal focus is child advocacy and she developed the Guardian ad Litem/(GAL)/CASA program for the Eastern Band of Cherokee Indians. She is tribally and state sworn as a GAL. Her favorite thing is being a mom.
Dr. Barker created her own or was part of the team that created the course.
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Resilient You: What is Resiliency?
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Exploring You: A Journey to Self-Awareness