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) 1. Chapter 1 · The lemonade stand 2. Chapter 2 · Flow 1 · Employee (employment contract) 3. Chapter 3 · Flow 2 · Self-employed (liberal profession) 4. Chapter 4 · Flow 3 · Business (your own business) 5. Chapter 5 · Flow 4 · Investor (capital: debt and equity) 6. Chapter 6 · Flow 5 · Public funds (projects and budgets) 7. 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](https://pecuvo.eu/en/modules/the-five-cash-flows/) 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](https://pecuvo.eu/en/test/) pecuvo.eu/en/test/ - [The Glossary — terms explained simply](https://pecuvo.eu/en/glossary/) pecuvo.eu/en/glossary/ No personal data of pupils. Children under 14 — with a teacher or a parent. Do not compare individual pupils. Knowledge, not financial advice. The sheets may be freely printed and copied for lessons, clubs and families, with the source pecuvo.eu. They may not be sold.