ok Adventure Activity Bo A Fun

PUZZLING PUZZLES

TRICKY C CHALLENGES

GOAL SETTING

MAKING WISE CHOICES

Welcome to the Journey to your Dream Goal!

Reach your Dream Goal and Become a Finance Smarty Pants!

Everyone dreams of things they want to have, things they want to do, and places they want to go. Some of these dreams are big and some are small. It usually takes planning and making smart decisions to reach a Dream Goal. But if you play your cards right, you just might end up living the dream of your lifetime! Lets take a Journey to your Dream Goal. With every step, youll learn valuable lessons. Youll learn about Setting a nancial goal Saving and spending wisely Ination Asset allocation Diversication Theyre all part of reaching your Dream Goal, and becoming a Finance Smarty Pants!

Im P.I.G., your Personal Investment Guide!

Ill help you learn nancial fundamentals and explain what you need to do at each step in your journey.

Lets get started

Setting a goal is the rst step
SET YOUR DREAM GOAL
The rst step in your adventure is to set a nancial goal. Youll have many nancial goals in lifeyou might want to buy a new video game, buy a new car, go to college, or travel to a faraway place. For this nancial journey, imagine that your Dream Goal is to buy a cute puppy.
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My Dream Goal
By ______________________________________________________
(YOUR NAME)

(Choose the correct answers and write them in the blank spaces)

How much is that doggie in the window?

My Dream Goal is to buy a cute, cuddly puppy. To reach my goal, I will need to save a lot of _____________________ . I will have to make
(time, money, energy)

___________________ choices with my money.

(smart, silly)

When I see something I want to buy, I will ask myself if it will help me ______________________________________ or
(reach my goal, do my homework, clean my room)

________________________________________ .
(waste my money, make me hungry, make a funny face).

A financial goal might take anywhere from a few ________________

(months, movies, magazines)

The puppy you want costs a lot of money. To reach your Dream Goal, youll have to earn and save 200 coins (assets). Remember to plan for all the things youll need to take good care of your puppy.

to several ________________________ to accomplish. If I spend

(friends, years, balloons)

my money wisely, I might reach my goal even sooner.

KEEP TRACK OF YOUR COINS IN YOUR SAVINGS ACCOUNT (page 13).

You earned 40 coins for completing My Dream Goal

40 40

Nice start! Ask an adult to check your work and sign on the dotted line. Ask an adult what kind of money choices they have to make.

Go to page 13 to add this sum to your savings account.

TOTAL COINS =

X
I like what I see! (Ofcial Adult Signature) This way to the next adventure!

IT

Decisions, decisions!
Saving and spending wisely can help you nd your way
AMAZING MONEY MAZE
When saving for a nancial goal, saving money and spending wisely go hand in hand. Opening a savings account is a good way to start saving your money. A bank will pay you interest on your money. That means you can earn more money by letting your cash sit in your savings account! If your nancial goal is something you really want, then save for it instead of spending your money on lots of other things you want less. You may not have to stop spending money completely, but spending wisely is important for reaching your nancial goals. Tip! Words that appear in bold are valuable money words. Learn what each means in the Money Words Glossary on page 9.
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Lets go! Find your way through the Amazing Money Maze. You already have 40 coins in your pocket. You can spend them or save them. When you get to the store, make smart choices about what you buy.

Search for hidden coins and add them to your savings account on page 13.

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Corner Store

Corner Store Sales Receipt

Ice cream Dog collar Check the items you want to buy, then add up how much you spent. Pizza slice Game controller Teddy bear 2 COINS 10 COINS 3 COINS 35 COINS 5 COINS

TA-DA!
Youre A-MAZE-ING!
Count your coins below!

Total Spent ______ COINS

The answer to this puzzle can be found on page 13.

LETS COUNT YOUR MONEY!

How many coins did you spend at the store? Subtract the coins you spent at the store from the 40 coins you started with. How many do you have left? BONUS: Add 20 coins if you bought the dog collar

Good job! Ask an adult to check your work and sign on the dotted line. Ask the adult what kind of money choices they have had to make.

X
Yep, looks good! (Ofcial Adult Signature) This way to the next adventure!

(a wise spending choice for your puppy goal) Go to page 13 to add this sum to your savings account.
TOTAL COINS =

Up, Up, and Away!

Ination makes everything cost more

Because of ination, the prices of things will go upa dollar will buy less today than it did years ago. The price of most everything will be higher in the future. For example, if theres something you want to buy soon, ination wont affect the price of your goal very much. But if you have a larger, longer-term goallike saving for collegeination may increase its price. Its smart to invest for your longer-term goals so that your money might grow faster than the rate of ination. Look at the chart to the right. Ask an adult what lunch cost when they were your age.

THE COST OF LUNCH NOW AND IN THE FUTURE

How much it costs today

How much it might cost 20 years from now

$3.00
Side Salad

$5.42

$6.00
Turkey Wrap

$10.84

$1.00
Beverage

$1.81

This example represents the average lunch prices across the U.S., assumes a 3% ination rate per year, and is for illustrative purposes only.

COSTLY CROSSWORD PUZZLE OF INFLATION

As you become a Finance Smarty-Pants, youll learn important money words. Youll hear and use money words a lot when you talk about saving and spending money, especially as you grow older and wiser. Lets explore some money words now. Read each clue and ll in the blanks to complete the Costly Crossword Puzzle of Ination!

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ACROSS

1. When you use your money to buy something you want, you _ _ _ _ _ it. 3. One way to save your money is to put it into a _ _ _ _ _ bank. 4. Saving money in a savings account is safer than keeping it under your _ _ _ _ _ _ _ _. 5. Stocks and bonds are other ways to _ _ _ _ _ _ your money. 6. Be sure to save and spend your money _ _ _ _ _ _. 10. Saving to buy a puppy or a new car are examples of nancial _ _ _ _ _ .

2. On this Journey to your Dream Goal, you are saving to buy a _ _ _ _ _. 7. _ _ _ _ _ _ _ _ _ makes the prices of things you want go up over time. 8. With a savings account, your money can earn _ _ _ _ _ _ _ _. 9. Retirement is an example of a _ _ _ _-term goal. 11. Its smart to invest your money so that it might grow _ _ _ _ _ _ than ination.

12. When saving for something you want to buy one day, its important to know how much your money will _ _ _ _ over time. 13. Ination also makes the value of a dollar _ _ _ _ over time.

The answers to this puzzle can be found on page 13.

CHECK THE ANSWERS ON PAGE 13!

Give yourself 1 coin for each correct answer BONUS: Add 25 coins if you got them all right!

Way to go! Ask an adult to check your work and sign on the dotted line. To find out more about inflation, ask them what a soda cost when they were your age.

X
I like what I see! (Ofcial Adult Signature) This way to the next adventure! 6

Go to page 13 to add this sum to your savings account.

TOTAL COINS =

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Thats a Mouthful!
Asset Allo-KAY-shun and Di-vers-i--KAY-shun
Now youll learn about different ways to invest your money. On the Journey to your Dream Goal, you can invest your coins in three different piggy banks. Each can help (or harm) your savings plan differently, depending on how you decide to invest your coins. Each piggy banks name will give you a hint about how it might affect your savings.

Two important money words

There are two important money words to know when deciding how to invest your coins: asset allocation and diversication.

Asset allocation
Asset allocation is how you divide up your money between your stocks, bonds, and short-term investments. On this journey, you will invest your coins (or assets) in three different kinds of piggy banks (representing a savings account, bonds and stocks). If you have $100, what would be the best way to invest the money? It depends on when you will spend the money. If youll spend it soon, you should put all of it into a savings account. In a savings account, your money can earn interest, but the interest earned from a savings account probably wont be enough to keep up with ination. If youre saving for a long-term goal, youll want to invest the money in something that can earn more than a savings account. To maybe increase your $100 much faster and keep up with rising prices, you

can invest in stocks and bonds. Think of these as other types of piggy banks.

Diversication
Have you heard the saying Dont put all your eggs in one basket? It means you shouldnt risk everything you have on just one thing. This saying is also true about the money you save and invest. For example, if you invest all your money in fast food stocks, what would happen if people stop eating out? You would lose all your money! On the other hand, if you only invest some of your savings in fast food restaurants and you also invest in stocks for computers, video games, and toysyou have diversied your investments. So if the fast food restaurants go out of business, your other investments might still earn money. Good thing you didnt put all your eggs in the fast food basket!

A C TI V

Draw lines to match the correct asset allocation of 100 coins in the different piggy banks for each goal. Remember to consider the time horizon for each goal. The rst match is complete to get you started.

Meet Three Little Piggy Banks

Howdy! Im Mellow Yellow Piggy Bank
Investing in me is smart if youre going to spend your money soon. Im a pretty safe place to save your money for the short term.

Hi there! Im True Blue Piggy Bank

Money invested in me can earn more money, but it can also lose some.

Hello! Im Red Hot Piggy Bank

I can make the most money over the long term, but I can also lose the most money in the short term.

+
20 COINS Purchase a kitten Time horizon: 1 year 50 COINS

+
30 COINS

+
Purchase a car Time horizon: 4 years 0 COINS 20 COINS

+
80 COINS

+
Purchase college tuition Time horizon: 12 years 100 COINS 0 COINS

+
0 COINS
The answers to this puzzle can be found on page 13.

ALL DONE? LETS CHECK YOUR WORK!

One correct match, you earn 10 coins Three correct matches, you earn 25 coins

Youre in the money! Ask an adult to check your work and sign on the dotted line.

X
Wow! (Ofcial Adult Signature)

Go to page 13 to add this sum to your savings account.

TOTAL COINS =

This way to the next step in your journey! 8

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INVESTMENT DECISION TIME

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Language of Money
Money words help you talk dollars and sense
include rent, utilities, food, clothing, health care, car payment, pet care, insurance, etc. A credit card is a small plastic card issued by a bank or business that lets you buy goods or services with the promise that youll pay at a later date. When you charge goods or services on a credit card, you are borrowing someone elses moneyand you have to pay it back, usually with interest. Debt is money you owe when you buy on credit or borrow from someone else. Any money you have to pay back can be considered debt. A deposit is money you put in your account. Diversication means having lots of different kinds of investments (different types of stocks, different types of bonds, etc.). For example, if you invest in skateboard stock and kids stop buying skateboards, you could lose all the money you have invested. Instead, if you invest money in skateboards, pizza, and computers, and kids stop buying skateboards, you might lose only the money you invested in skateboardsnot all of it. Diversication cannot guarantee that your investments will make money or protect against loss if the market goes down. Ination is the general increase in the price of goods and services. Money loses value due to ination, so it will be more expensive to buy products in the future. For example, in 1939, a car cost $400. A similar car today would cost almost $30,000 at a 3% rate of ination. Interest can be an amount of money an investment earns or an amount of money that is added to money you borrowed. If you have a savings account, your money can earn interestand youll have even more money. However, if you borrow money (like using a credit card), you will have to pay interest on top of what you use. Thats expensive. You invest by putting money into assets (like stocks, bonds, mutual funds, etc.) to help you reach your nancial goals. An investment is anything that you buy in hopes that it will increase in value. A loan is money thats borrowed and is expected to be repaid, usually with added interest. A luxury is something you dont need. It can be a material object or service that you want, but could live without. For example, you need shoes to wear, but you dont need to buy the most expensive pair or a new pair every month. A mutual fund combines the money of many investors who have common nancial goals into a professionally managed portfolio. Mutual funds take the money and buy many different stocks, bonds, and/or short-term investments (depending on what kind of mutual fund it is), giving small investors access to a welldiversied portfolio. Each investor shares in the gain or loss of money in the mutual fund. Needs are basic things necessary to live or do your job (such as a place to live, food, clothes, transportation to work, etc.). Needs are often confused with wants. For instance, you may need transportation to work and school, but you dont need a $40,000 sports car. You may want a sports car, but you dont need it. A portfolio is a group of investments owned by a person, investment company, or nancial institution. Your portfolio should include different types of investments. A return is the gain (or loss) of money from an investment in a particular time period. Risk comes in many different forms. Two risks are the risk of losing money and the risk of not gaining enough to reach your goal. Your asset allocation helps you keep the right balance of these risks for your goal. Another risk youll face is having most or all of your money in an investment that does worse than your other choices. Diversication helps reduce how much of this risk you have. A savings account is one place to put your money to help achieve your nancial goals. When you put your money in a savings account, the bank borrows your money and pays you interest. A stock is a share of a company that is sold to the public. Companies sell stocks to raise money to nance business operations. Stock prices can change daily. As an investment, stocks have produced the highest longterm returns over the past several decades. They also have had the biggest swings in performance and are subject to much greater short-term risk of losing money. Of course, just because something happened in the past doesnt mean it will happen again. The stock market is where shares of stock of different companies are bought and sold. A stockholder (or shareholder) is a person who owns stock (shares) in a company. Time horizon is the number of years until you will spend your money. This determines how your money should be divided between stocks, bonds, and short-term investments. Wants are things you dont need to live or do your job. For example, you might want to eat out everyday, but you dont need to. A want can also be considered a luxury.

During this Journey to your Dream Goal, youll encounter a lot of unfamiliar words. Learning the language of money can help you make smart nancial decisions and be able to talk about money with otherslike your family and adults.

MONEY WORDS GLOSSARY

An account is a place to put your money. You can have an account at a bank, credit union, or other nancial institution. A checking account or savings account is your personal account for you to take money out or put more in. An allowance is money given to a person on a regular basis for his or her personal spending. Many kids are given an allowance by their parents for doing chores at home. An asset is anything that has a nancial worth. Cash, savings accounts, stocks, bonds, mutual funds, houses, cars, etc., are assets. Asset allocation is how your money is divided among stocks, bonds, and short-term investments. For instance, you can put some of your money in a savings account and invest some money in stocks, bonds, and mutual funds. If you have a goal that is a long way off, you may want to have most of your money invested in stocks. As the goal gets closer, you may want to hold less in stocks and more in bonds and short-term investments. A bond is an asset issued by the federal government, state governments, or corporations. When you buy bonds, you are lending your money to the organization. Bonds generally pay interest (usually more than a savings account) every six months and you receive the original amount you loaned the organization plus interest earned at the end of a specied time. Unlike a savings account at a bank or credit union, bonds are subject to riskwhich means you could lose some or all of the money you invested. A budget is a plan of how much money a person or business has to spend and how it will be spent. For instance, your home budget might

MONEY WORD SEARCH

Read through the Money Words Glossary, then circle as many money words as you can nd in the Money Word Search. Find 20 hidden money words and earn more coins toward reaching your Dream Goal!

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C A T S R D E P O S I T R A O

R I S

E N I

D F N

I L T P O R T F O L I O O L D

T A E I C S E K A

C T R D K I S T N

A I E G Z F F L U E

R O S F

D N T H

R S S E R N O

A Y I N V N

U W T X A N E Q T T E G D U B D E N S Y Q T I

Money Words

K W E U I S V T E

ACCOUNT ALLOCATION ALLOWANCE ASSET BOND BUDGET CREDIT CARD DEBT DEPOSIT DIVERSIFICATION INFLATION INTEREST LOAN NEEDS PORTFOLIO RISK RETURN STOCK STOCKHOLDER WANTS

V W T I L L O R C Q K H O N D T I A C C O U N T S O

H M A F R K T C E Y B E S J O O D A O V L M E H L L N

O W S D U P C E S L L A T

N M T S B T A L E N T M E A

W E F J H O S

E W E D K C E U C A C T O T N

A W O

The answers to this puzzle can be found on page 13.

HOW MANY MONEY WORDS DID YOU FIND?

Give yourself 1 coin for each correct answer

Youre in the money! Ask an adult to check your work and sign on the dotted line.

X
BONUS: Add 15 coins if you got them all right! The kids a natural money manager! (Ofcial Adult Signature) This way to the next adventure! 10

Go to page 13 to add this sum to your savings account.

TOTAL COINS =

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Oh, noa test!

Are you ready to become a Finance Smarty Pants?
Youre learning a lot of useful ideas and words during this Journey to your Dream Goal. The more you learn, the more of a Finance Smarty Pants you become. And every step moves you closer to reaching your goal of getting a cute, cuddly puppy. But rst, you must take the Tricky Trivia Challenge (its really not that tricky).

A C TI V

Answer each question about something youve learned during your journey. Every question you get right will earn you 2 coins!

Bonus: Answer all 16 questions correctly and youll earn an extra 7 coins (25 total)!

Ready? Set? GO!

Goal Setting
1. _____ is the MOST important step in nancial planning. A. Throwing dollar bills into the air B. Opening a savings account C. Setting a goal 2. Youll reach your nancial goal sooner if you _____ more money each month. A. save B. spend C. eat 3. Carrie wants to be a writer. To reach her goal, she should _____. A. save up for a writing class B. buy nice pens C. type very loudly

Saving & Spending Wisely

4. You spend $8 a week on movies, but you want to buy a $40 jacket. How many movies must you skip to buy the jacket? A. 4 movies B. 3 movies C. 5 movies 5. You are saving to buy a new outt. To spend wisely and save more money, you can stop _____. A. buying sodas every day B. eating lunch for a week C. paying your cell phone bill

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TRICKY TRIVIA CHALLENGE

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6. You are too young to start saving money. A. True B. False

12. If someone wants to buy a new truck in two years, the price will probably be _____ because of ination. A. cut in half B. higher C. lower

7. You should buy what you need before you buy what _____. A. want B. deserve C. earn 8. Searching for a similar item that costs less money is _____. A. a good idea for saving money B. a good way to relax C. a waste of time 9. Pick an example of wasteful spending if youre saving for a new bike: A. Buying a book for class B. Buying lots of candy bars C. Buying school lunches

Asset Allocation and Diversication

13. Funky Fresh Clothing can sell more clothes to different people if they offer _____. A. a variety of styles B. all clothes in orange C. rock band shirts only 14. Pick the pet collection with the largest variety of animals: A. A tarantula, a goldsh, and a hamster B. A boy hamster and a girl hamster C. A goldsh and a clown sh 15. Pick the best method to start a drink stand: A. Sell only lemonade because its popular B. Make a jingle to sing and attract customers C. Sell different kinds of drinks to please different customers 16. You need to buy school supplies. Pick the wisest way to spend your money and be fully prepared for the new school year: A. Buy notebooks, binders, pens, and pencils B. Buy small and large notebooks C. Buy a very nice pen
The answers to this puzzle can be found on page 13.

Ination
10. Most things cost _____ than they did 10 years ago. A. more B. less C. the same 11. Over time, the same amount of money can buy ______ of something. A. the same amount B. more C. less

HOW DID YOU DO?

Give yourself 2 coins for each correct answer

Youre a Finance Smarty Pants! Ask an adult to check your work and sign on the dotted line.

X
BONUS: Add 7 coins if you got them all right! Great workyoure a genius!
(Ofcial Adult Signature)

Go to page 13 to add this sum to your savings account.

TOTAL COINS =

This way to the next adventure! 12

Each activity in this fun adventure can move you closer to your Dream Goal of buying a cute, cuddly puppy! So make good decisions and do your best. When you nish an activity, write down the number of coins you earn on this Dream Goal Savings Account. When youve completed them all, add up your total coins to see if you earned enough to buy that puppy.

My Savings Account
PAGE ADVENTURE ACTIVITY LESSON LEARNED
Goal Setting

COINS EARNED

SET YOUR DREAM GOAL AMAZING MONEY MAZE COSTLY CROSSWORD PUZZLE OF INFLATION INVESTMENT DECISION TIME MONEY WORD SEARCH TRICKY TRIVIA CHALLENGE

40

Saving & Spending Wisely Planning for Ination Asset Allocation & Diversication Financial Terms

10

11

Financial Concepts

Awe, so cute!
Youll need 200 coins to buy this puppy!

BONUS! Add the number of hidden coins you found on pages 4 and 5

TOTAL COINS =

ANSWERS:
5

13

AMAZING MONEY MAZE

INVESTMENT DECISIONS

Purchase college tuition Time Horizon: 12 years

Purchase a car Time Horizon: 4 years

Purchase a kitten Time Horizon: 1 year

100 COINS

20 COINS

0 COINS

Corner Store

50 COINS

20 COINS

0 COINS

35

10

80 COINS

30 COINS

0 COINS

MONEY WORD SEARCH

A R R D C P S S E T T I

H M A

Y K C S E T F I I

K W E

A O O V D S S E E J I

N V D E E T L L L F

D P T T L L L F I I

W E

O K C S E E T J F I

C C S T T I

E W E

A U U G Z C E E L F F I

N O O R R S T T L L F I

V W T

A W O K D D C T T I A N O O A U X C C S E T N N Q U G D B G D E E E T

U W T

O W S

L L I

N M

A O R R B S S E T T

A N A Y V E E T T I

10. goals

6. wisely

5. invest

4. mattress

3. piggy

1. spend

DOWN

COSTLY CROSSWORD PUZZLE OF INFLATION

8. A 7. A 6. B 5. A 4. C 3. A 2. A 1. C

TRICKY TRIVIA CHALLENGE

13. less

12. earn

11. faster

9. long

8. interest

7. ination

2. puppy

ACROSS

16. A 15. C 14. A 13. A 12. B 11. C 10. A 9. B

Congratulations!

Youre a Finance Smarty Pants!

Certied Finance Smarty-Pants
(write your name here) You learned some valuable nancial lessons. You learned about the power of setting nancial goals, the importance of saving and spending wisely, the effects of ination, and the benets of asset allocation and diversication. And you learned what it takes to reach your Dream Goal!

You did it!

OF F IC IA F INAN L CE SMAR T Y PA NTS

Share What You Learned

Now that youre an ofcial Finance Smarty-Pants, share what you learned with others. Talk with friends and adults about what youve learned. You just might help them make wise nancial decisions, too!

Play The Great Piggy Bank Adventure Online Game Take another fun nancial journey by playing The Great Piggy Bank Adventure online game and learn even more about planning, saving, and investing. Its funand free!

Visit greatpiggybankadventure.com.
Explore The Great Piggy Bank Adventure Exhibit Heres an idea for a fun Dream Goal: Visit the Great Piggy Bank Adventure at INNOVENTIONS at Epcot at the Walt Disney World Resort in Florida. The interactive exhibit brings important money concepts to life through a series of entertaining, hands-on games! 14

Helping families talk about saving and spending wisely

Talking with children about money and good financial habits is perhaps more important than ever. As part of our longstanding commitment to financial education, T. Rowe Price works with families, schools, and organizations to teach children and help families communicate more effectively about money. We collaborated with Walt Disney Parks & Resorts Online to create The Great Piggy Bank Adventure online game. This unique experience is designed to teach kids about setting financial goals and accomplishing them through smart planning, saving, and investing. To learn more, visit the T. Rowe Price Family Center online at troweprice.com/trowefamilycenter.

T. Rowe Price and Disney Enterprises, Inc., are not afliated companies. The Great Piggy Bank Adventure is an online game and interactive exhibit at INNOVENTIONS at Epcot at the Walt Disney World Resort in Florida that is a fun way for families to learn the fundamentals of saving and spending wisely.

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