Money and Choice Class F01 (Registration Only)
(Total 3 levels 1-2-3)
 
Session starts 10/26/2026 
Taught by Brian Zhu
$200 Full Session
(Registration only. No payment is required for now.)
60 minutes x 10 classes;
Minimum age 9, gade 3. 
 
DISCLAIMER: THIS COURSE IS FOR EDUCATION PURPOSE ONLY, DESIGNED TO PROMOTE FINIANCIAL LITERACY AWARENESS, AND NOT INTENDED TO INSPIRE OR TRAIN ANY ACTUAL INVESTMENT MARKET PRACTICE.  THIS FINANCIAL COURSE DOES NOT MARKET OR SELL, DIRECTLY OR INDIRECTLY, ANY FINANCIAL PRODUCTS, INCLUDING BUT NOT LIMITED TO: STOCKS, BONDS, INVESTMENT FUNDS, ANY TYPE OF INSURANCE, ETC.   
 
Teacher: Brian Zhu
Graduate from Wharton Business School, has been in financial industry for more than 20 years as senor diractor. Brian's class has been overwhelmingly welcome by students as realictic and practical. He is different from a typical school teacher by teaching the class from a more real-world perspective. He also helped stdent in pursuing career in financial industry by recommending intership, summer camp and giving recommendation letters under various situations.   
 
WHAT IS THIS COURSE ABOUT? 
This course is to promote awareness of concepts about money, budgeting and investment, as well as how economic factors impact personal financial decisions. We will cover below topics: 
● What is money, how money works and how people interact with money;
● Financial problems and decisions related to people’s well-being; 
● How to live by your means with basic budgeting skills; 
● Basic economic concepts and principles and how they impact financial decision-making;
● Why people invest and what options people have; 
● How to develop smart investing strategies. 
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WHO IS THIS COURSE DESIGNED FOR? 
This course is designed for grade 6-10 kids who want to build some basic understanding about money budgeting, and investment. Adults are also welcome if they are interested. 
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WHY ATTEND THIS COURSE? 
It is increasingly critical for kids to access from an early age the basic concepts regarding finance, economics and investment. Financial challenges and how to make personal financial decisions might be the most important part for young people in their early stage life, and the current school education system does not prepare them at all. This course is also the basis for Miguo Finance advanced courses about investment strategies. 
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WHAT TO EXPECT FROM THE COURSE? 
After completion of the course, kids should be able to: 
● understand what money is and how we interact with money everyday.
● understand and define some key economics concepts. 
● create and practice some simple budgeting skills. 
● understand methods to avoid personal financial problems. 
● understand what investing is and some typical choices and options.
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WHAT IS A TYPICAL 8-WEEK CURRICULUM? 
Below is a typical 8-week curriculum. Each class is based on 50-60 minutes with detailed lecture notes and some class activities. There is typically no homework or additional requirements outside class time. 
● What is money and how money works; Changes in money concept in modern time and concept of electronic currency; 
● Banks and how banks work, how money flows. Concept of interest rate and compounding; 
● Money with personal life - how people interact with money everyday. Earn, save, spend, borrow, lend, and investment. Basic financial products in market; 
● Make money with a job, and the concept of taxation; Basic concept of budgeting, live within your means; 
● What is economics? Supply and demand, revenue and cost, opportunity cost;
● Concept of investment, different asset classes, and asset allocation; 
● Risk and return, play a risk game; risk adjusted return and investment strategy based on risk analysis; 
● Personal financial budgeting, investment as a lifetime goal, typical sources of financial mistakes, and how to avoid financial stresses;