This Smart Cents Playbook is designed to be used with National 4-H juried curricula developed to teach youth financial education. Activities are used from each of the curricula to implement a ten-hour Smart Cents program in a 4-H club, school, after-school program or any youth program. Think of the Playbook as doing the program development work for you!

Included are opening questions and activities, scripts to introduce a topic, step-by-step instructions for completing the activity and reflection questions to complete the experiential cycle. Teaching financial management can be daunting for some facilitators, so the Playbook provides information and instruction to ensure success!

Extending the learning into the home environment is important for implementation and reinforcement of positive financial strategies. Each section in the Playbook has a “Smart Cents at Home” activity to be duplicated and sent home with each participant. Try to get the whole family involved!