Lesson sheet · Module 15 # Life strategies by stage ## The aim of the lesson > **Plan for the stages before they come; put your documents in order before they are needed; never decide the irreversible under pressure.** - 👧 Child: ask where the important things are; talking about money is normal. - 🧑 Teenager: for every stage ask "what will it cost?" and "what can I prepare now?" - 🧔 Adult: - a reserve and insurance; - a pension statement once a year; - "A folder for loved ones"; - don't pay under pressure. **Your step in Pecuvo:** (1) Make a "map of the stages" — your next three big costs, with dates. (2) Create a space "A folder for loved ones" (only a list of where the documents are, no passwords). (3) Set a goal "pension statement" once a year. (4) Set a reminder to renew your insurance (Module 12). ## The topic (chapters of the module) 1. Chapter 1 · The stages of life: the map 2. Chapter 2 · Childhood: first money, first choices 3. Chapter 3 · The first pay 4. Chapter 4 · Family and home 5. Chapter 5 · Children and education 6. Chapter 6 · Middle age: change, debts and caring for parents 7. Chapter 7 · Pensions: the three pillars 8. Chapter 8 · Put your documents in order for your loved ones 9. Chapter 9 · When something happens: the first weeks ## For the youngest · ages 6–7 🐣 **The youngest:** Life is like a game with levels. First nursery, then school, then work and a home. Every level has its own joys and its own needs. When you know what is coming, you can get ready. Right now you are on the piggy bank level. **Play together (5 minutes):** Draw "the road of life" together with 5 stops: baby, pupil, grown-up, parent, grandparent. At each stop your child draws something that matters there. Tell them what mattered to you when you were children. **A question for the evening:** "What would you like to be able to do when you grow up?" ## Questions for the class — 3 per level - 👧 1. What are the three cups for pocket money? 2. Why is it good to know where the family's important documents are? 3. What is "net" pay? - 🧑 1. What is the difference between gross and net? 2. What are the three pillars of a pension system? 3. What goes into "A folder for loved ones" — and what does not (passwords)? - 🧔 1. What questions do you ask before buying a home (at least three)? 2. In an inheritance with links to more than one EU country, which country's law usually applies — and what does the European Certificate of Succession do? (In the Bulgarian example: what are the two kinds of will, and what happens without a will?) 3. Why do you not pay "intermediaries" over the phone in the first weeks after a loss? ## 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/life-strategies-by-stage/) pecuvo.eu/en/modules/life-strategies-by-stage/ - [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.