Please answer the following questions about your participation with this learning experience. The results of this survey are confidential and will only be used to compute an average level of knowledge gain and attitude responses for all students participating in this learning experience.

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1. Please indicate the JA Area you are served by: (Required.)

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2. What are the first three letters of your FIRST NAME? (Required.)

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3. What are the first three letters of your LAST NAME? (Required.)

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4. In what MONTH were you born? (Required.)

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5. On what DAY of the month were you born? (Required.)

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6. What is the name of your teacher, volunteer, or instructor? (Required.)

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7. Please indicate your level of agreement with the following statements. (Required.)

  Strongly disagree Mainly disagree Somewhat disagree Somewhat agree Mainly agree Strongly agree
I am confident in my ability to make complex financial choices, even if they require navigating risks or learning from setbacks.
I can make objective financial and career decisions.
I can gather reliable information from different sources to solve complex financial problems.
When faced with unexpected expenses or changes in my income, I can adjust my budget and plans to protect my financial stability.
I plan to apply the financial concepts that I learned in this course.
I intend to make good financial decisions in my future.

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8. Please indicate your level of agreement with the following statements.

Because of my participation in this learning experience... (Required.)

  Strongly disagree Mainly disagree Somewhat disagree Somewhat agree Mainly agree Strongly agree
my future will be brighter.
I have more hope in my financial future.
I am more confident that I will be successful in life.
I am more confident that I will become financially comfortable.
I am more motivated to pursue my educational and/or career interests.
I am more motivated to be financially secure.
I can better see how education will help me be financially successful in the future.
I know more about how to make smart financial decisions.
I have gained important information that I can use in the future.
I have gained important skills that I can use in the future.
I feel more positive about my financial future.
I am confident in my ability to develop and maintain a personal financial plan (budget) that reflects my short- and long-term goals.
I am confident in my ability to analyze potential education and career paths and determine how they might influence my long-term income potential and lifestyle goals.
I am confident in my ability to use credit wisely to avoid excessive debt.
I am confident in my ability to differentiate between gross and net income.
I am confident in my ability to apply the financial concepts I’ve learned to my life.
I am confident in my ability to solve any financial problems I encounter in my future.

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9. Which explanation best describes why two workers with the same gross income might have different net incomes? (Required.)

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10. When comparing traditional employment with alternative income sources, which factor most strongly affects financial risk? (Required.)

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11. Why is it important to consider education, taxes, and benefits together when thinking about income? (Required.)

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12. How does an increase in income level typically affect a person’s overall tax responsibility? (Required.)

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13. Which plan best shows an understanding of how taxes, documents, and government programs influence personal financial decisions? (Required.)

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14. Which type of tax is generally withheld from wages and helps fund Social Security and Medicare? (Required.)

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15. Which option best describes total compensation? (Required.)

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16. How do employee benefits add value to a compensation package? (Required.)

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17. Which comparison best distinguishes contributory and non-contributory employee benefits? (Required.)

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18. A student is deciding whether to keep some savings in cash at home or put the money into a bank account. Which of the following statements best describes the trade-offs to consider? (Required.)

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19. A student uses a debit card linked to a checking account instead of paying with cash. What is one key difference in how money is managed? (Required.)

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20. A student uses a budgeting app connected to a bank account. How does this tool support money management differently than using only cash? (Required.)

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21. Riley has $15 left for the week but remembers needing $10 for a school project. What is the most effective way to handle this situation? (Required.)

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22. Which budgeting strategy best helps manage changes in income or expenses? (Required.)

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23. You notice that expenses are higher than income this week. What is the most effective action? (Required.)

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24. Why is it important to review and adjust savings strategies over time? (Required.)

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25. Alex saves a small amount each week, while Jordan saves only when money is left over. How do these strategies compare? (Required.)

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26. Which factor best explains why some savings strategies are more effective than others? (Required.)

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27. A student is considering two ways to borrow money: using a credit card or borrowing from a friend. How are these two options different? (Required.)

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28. Which statement best explains how borrowing choices affect long-term financial health? (Required.)

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29. How can responsible use of credit affect future financial opportunities? (Required.)

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30. A person chooses a loan with lower monthly payments but a longer repayment period. Which answer shows the likely outcome of this loan? (Required.)

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31. Kevin compares two loans for the same amount but with different interest rates. Which factor should matter most in which loan he chooses? (Required.)

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32. Jordan takes out a loan and makes only the minimum payment each month, even though he can sometimes pay more. What is the most likely result? (Required.)

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33. Two students apply for the same apartment:
  • Student A has a history of on-time credit payments.
  • Student B has several late payments on their credit report.
  • The landlord approves Student A and asks Student B for a larger deposit.
What best explains the difference in how the landlord treated the two students? (Required.)

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34. A student compares how credit information is used in different situations:
  • Renting an apartment
  • Applying for a credit card
  • Getting approved for a car loan
Which statement best explains the role of credit in these situations? (Required.)

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35. A student with no credit history applies for a loan and is asked to provide a cosigner. What does this suggest? (Required.)

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36. Emma keeps her money in cash at home. Mateo puts his money into an investment account and leaves the money there for several years. What is the best way to compare how their money may grow? (Required.)

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37. Ava and Jordan both want to save for the future:
  • Ava starts saving a small amount each month in middle school.
  • Jordan plans to start saving later when he has more money.
How might Ava’s decision affect long-term financial growth compared to Jordan’s decision? (Required.)

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38. Mia saves $5 every week, while her friend Ethan saves $30 a few times during the year. What does this suggest about Mia’s and Ethan’s saving habits and long-term financial growth? (Required.)

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39. Jordan decides to invest in only one type of investment, while Riley chooses a mix of stocks, bonds, and savings. How might their results differ over time? (Required.)

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40. Maya is choosing an investment and considers:
  • Risk level
  • Potential return
  • How many different investments are included
  • How long she plans to keep her money invested
Which decision best shows Maya is evaluating her options carefully? (Required.)

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41. Carlos is saving for two goals:
  • A gaming system he wants in 1 year
  • College expenses he plans for in many years
Which investment approach best fits Carlos’s goals? (Required.)

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42. People often have long-term goals like retirement and short-term needs like emergencies. Which approach best applies financial planning to both types of needs? (Required.)

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43. Janie wants to plan for retirement, emergencies, and future goals. Which action best shows she is managing these different financial needs effectively? (Required.)

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44. Chris starts saving for retirement early, while Taylor waits until later to start saving. How do these choices affect long-term planning? (Required.)

Thank you for participating in this survey!

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