Chapter Two Review
In This Lesson
This 2-minute module delivers the absolute core of the entire program, the "Make 70 Your 100" principle that will determine your students' financial futures. Everything else in the curriculum supports this single moment and decision.
Dale speaks directly about their upcoming first, real job paycheck, emphasizing most people spend 100% of it (or more via credit cards), which is why they stay broke. Your students are being presented with a once-in-a-lifetime opportunity: live on 70%, save and invest 20%, and give away 10%.
The critical warning: they have exactly one shot at this. If they spend 100% of their first three paychecks, most will never back down to 70%, their lifestyle has locked them in. The three discussion questions guide students from abstract agreement to concrete application: determining if they truly believe this is the most important “life”-decision, doing the actual math with a $3,500 first paycheck, and wrestling with whether backing down later is nearly impossible. These aren't casual questions but commitment-building exercises. As Dale says, "This is where your story starts."
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Action Items:
Have students actually calculate the math: $3,500 × 0.70 = $2,450 (living), $3,500 × 0.20 = $700 (saving/investing), $3,500 × 0.10 = $350 (giving)
Ask students to write down their answer to "Is this the most important “life”-decision?" before discussing
Notes:
The "one-shot" warning is not hyperbole, lifestyle inflation is psychologically real
Some students may push back: "I can't live on 70%". Remind them that 70% of their first, real job paycheck will be the most money they've ever seen. They’re at ZERO.
Reference Chapter 2 in the book for deeper exploration of the "Make 70 Your 100" plan
This is the "PAY NOW, PLAY LATER" principle that Dale referenced.
IN THIS LESSON
Whatever it is, the way you tell your story online can make all the difference.
It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world.
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