Lesson sheet · Module 16 # Where to reinvest — real value ## The aim of the lesson > **Every purchase is a choice between this and everything else you could do with the same money and the same time. Invest first in what brings life — skills, health, time, people — then in things.** - 👧 Child: what will I get, what am I giving up, how long will it make me happy? - 🧑 Teenager: name the alternative before you pay. - 🧔 Adult: once a year, put your spending and your time on the map of real value. Where do they go? Is that where you want them? **Your step in Pecuvo:** baskets "Learning and growth", "People and time together", "Giving"; goals with the opportunity cost in front of your eyes; the home with the label "home (consumption)". ## The topic (chapters of the module) 1. Chapter 1 · Missed opportunities 2. Chapter 2 · In yourself versus in things 3. Chapter 3 · Experiences versus things 4. Chapter 4 · Experiences versus property 5. Chapter 5 · Buying time 6. Chapter 6 · Relationships versus assets 7. Chapter 7 · The balance: the map of real value ## For the youngest · ages 6–7 🐣 **The youngest:** With one coin you can buy only one thing. If you choose an ice cream, it is gone for the little book. Some things grow with time — like a seed you plant. Knowing how to ride a bike stays with you for ever. Happy days with the people you love grow when you tell about them. **Play together (5 minutes):** Plant a bean in a cup with wet cotton wool. Look at it together every day and draw how much it has grown. Talk about what else grows with time — skills, friendships, memories. **A question for the evening:** "What did you learn this year that still helps you?" **A game from the catalogue:** OB-03 "A book swap market" — [https://pecuvo.eu/igri/katalog/#ob-03](https://pecuvo.eu/igri/katalog/#ob-03) (in Bulgarian) ## Questions for the class — 3 per level - 👧 1. What is a missed opportunity? 2. Why is learning a present for your future self? 3. What three questions do you ask before you spend? - 🧑 1. What does research show about experiences and things — and what is the caveat? 2. Why can "buying time" be a good purchase? 3. What is the most consistent finding of the Harvard study? - 🧔 1. Why is the home you live in mainly consumption? 2. What are the risks of reinvesting in yourself? 3. How do you order your reinvestment — and why is the order personal? ## 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/where-to-reinvest-real-value/) pecuvo.eu/en/modules/where-to-reinvest-real-value/ - [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.