Lesson sheet · Module 10
The five cash flows
The aim of the lesson
Know which flow your money comes from and how much your life depends on a single flow. And guard other people's money — from an investor, a client or society — more strictly than your own.
- 👧 Child: "Which stall does my money come from?"
- 🧑 Teenager: what will your first job be, and what skill will you add so that you have a second flow?
- 🧔 Adult: what share of your income comes from a single flow? How many months could you manage if it stopped?
Your step in Pecuvo: in the portfolio, tag every item of income with flow 1–5. Look at the split over the last 12 months and how much of it sits in one basket. For flow 5, open a project space with a budget.
The topic (chapters of the module)
- Chapter 1 · The lemonade stand
- Chapter 2 · Flow 1 · Employee (employment contract)
- Chapter 3 · Flow 2 · Self-employed (liberal profession)
- Chapter 4 · Flow 3 · Business (your own business)
- Chapter 5 · Flow 4 · Investor (capital: debt and equity)
- Chapter 6 · Flow 5 · Public funds (projects and budgets)
- Chapter 7 · The mix: which flows you live on
For the youngest · ages 6–7
🐣 The youngest: Money reaches people in different ways. Someone works for another person and gets a wage. Someone else bakes cakes on their own and sells them. A third person has a little stall or a shop. And shared money helps people with a good idea for the park.
Play together (5 minutes): Act out a summer street: one child sells lemonade, another helps for a coin, a third mends toys. Swap the roles. Each time, ask: "How did the money come to you this time?"
A question for the evening: "If you could earn money with something you love, what would it be?"
Questions for the class — 3 per level
- 👧 1. Which child at the stalls was the investor? 2. What do you need to bring to get public money? 3. Why is it good to have more than one stall?
- 🧑 1. What is the difference between self-employed and business? 2. Debt or equity — which is more predictable, and why? 3. Why are grants not "free money"?
- 🧔 1. What is the trap of flow 2? 2. What is leverage, and what does it do to risk? 3. What is the most common cause of loss with public funds?
A 45-minute plan
- 5 min
- The question for the evening or one from “Check yourself” — what do the pupils think? No right or wrong answers.
- 15 min
- One or two chapters of the module at the level of the class (the “child · teenager · adult” buttons on the page).
- 10 min
- The game or the calculator for the topic — in pairs or on the board.
- 10 min
- The questions for the class. If you like, the open test — everyone writes down only their code.
- 5 min
- The iron principle in the pupils' own words and one small step for home.
Tools for the lesson
- The whole module on the website pecuvo.eu/en/modules/the-five-cash-flows/
- The open test (9 questions) — pupils write down only their code (e.g. K4B11), no names; the class distribution is shown on the same page pecuvo.eu/en/test/
- The Glossary — terms explained simply pecuvo.eu/en/glossary/