JA Financial Literacy 2.0 - Pre-Program Survey (FY 26-27)

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

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

They have different amounts withheld for taxes and benefits.

They differ in job titles and responsibilities.

Their employers use different pay schedules.

They receive income from different occupations.

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

Higher income always results in a higher tax rate applied to all earnings.

Higher income eliminates eligibility for tax deductions.

Higher income may place some earnings into higher tax brackets, increasing total taxes owed.

Higher income reduces payroll tax obligations.

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

a worker’s hourly wage multiplied by hours worked

earnings from wages or salary combined with the value of employee benefits

income remaining after taxes are deducted

payments received through bonuses or incentives

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11. 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.)

Cash is easier to access quickly, while a bank account may help track and protect money.

Cash usually grows more over time, while bank accounts limit how money increases.

A bank account prevents spending entirely, while cash allows spending anytime.

Both options provide the same ability to manage and monitor spending over time.

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12. 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.)

Borrow $10 from a friend immediately so the remaining $15 can still be spent on
entertainment.

Keep the $15 in a savings account and use a high-interest credit card to pay for the project.

Ignore the school project cost for now and hope a family member will pay for it later.

Set aside the $10 school project money immediately and adjust other flexible spending for the rest of the week.

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

because a savings strategy is effective if the dollar amount saved stays exactly the same every month

to ensure the plan still aligns with changing life goals, such as moving from saving for a car to saving for college

to prioritize short-term spending habits over long-term financial security as income increases

because regularly updating your personal savings goals forces banks to increase your account’s interest rate

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14. 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.)

A credit card company charges legally binding interest and fees, while borrowing from a friend relies on a personal, informal agreement.

A credit card requires you to pay back the full balance immediately, while a friend always allows you to pay it back over several years.

Borrowing from a friend builds your credit score automatically, while using a credit card has no impact on your financial history.

A credit card transaction is completely anonymous, while borrowing from a friend requires a public legal record.

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

The total cost of the loan will decrease because of the longer commitment.

The principal amount of the loan will decrease every month the loan remains active.

The borrower will pay less total interest over the life of the loan compared to a
shorter-term loan.

The total cost will be higher over time because of accumulating interest.

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16. 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.)

The landlord used credit history to assess risk and predict payment reliability.

The landlord is legally required to charge higher fees to any applicant who does not own a home.

Credit reports are used by landlords to calculate a student’s future income, not the student’s payment history.

A larger deposit is a standard penalty that is automatically sent to the credit bureau as a fine.

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17. 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.)

Cash will grow more because it is safe from market changes.

Investment growth depends primarily on how often money is added.

Mateo’s money may grow more because it can earn returns over time.

Both will grow equally because they start with the same amount.

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18. 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.)

Riley’s mix may lower overall risk because the investments perform differently.

Jordan’s single investment will reduce overall risk compared to Riley’s mix.

Both investment strategies will yield identical results over time.

Riley’s mix will completely prevent any long-term growth from happening.

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19. 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.)

Use a single savings account to fund both short-term emergencies and long-term goals.

Prioritize short-term needs first and plan for long-term goals later in life.

Build an emergency fund while investing for long-term goals at the same time.

Wait to plan for either need until your income is high enough to cover both comfortably.

Thank you for participating in this survey!

JA Financial Literacy 2.0 - Pre-Program Survey (FY 26-27)

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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.)

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

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

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* 10. Which option best describes total compensation? (Required.)

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* 11. 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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* 12. 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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* 13. Why is it important to review and adjust savings strategies over time? (Required.)

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* 14. 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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* 15. 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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* 17. 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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* 18. 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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* 19. 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.)

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

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

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

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

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

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

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

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

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

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

11. 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.)

12. 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.)

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

14. 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.)

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

17. 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.)

18. 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.)

19. 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.)