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Taking Charge of My Cash An Arts-Integrated Approach to Personal Finance for Grades 5-12 support provided by The George Gund Foundation Taking Charge of My Cash Teach personal financial concepts using music. ROAM uses roots music (traditional, blues, jazz, country, and rock) and a host of instruments including fiddle, banjo, guitar, pennywhistle, bass, and vocal harmonies to expand both the student’s musical knowledge as well as an understanding of academic content. Assess student understanding by their song lyrics. Students write songs that incorporate the personal financial concepts and music genres being presented during each class session. Prepare students for a final performance of their songs. Roots of American Music 3109 Mayfield Road, Suite 205 Cleveland Heights, OH 44118 216 321.9353 www.rootsofamericanmusic.org Taking Charge of My Cash An Arts-Integrated Approach to Personal Finance for Grades 5-12 Summary Goals • Exploring career options Taking Charge of My Cash is an arts-integrated personal finance program aligned with the State of Ohio’s social studies curriculum. Students benefit by being introduced to a new state-mandated curriculum of national standards about personal finance that will guide them as they grow, work and save for their futures. Two Roots of American Music (ROAM) professional teaching artists present a personal finance curriculum through music and engage multiple classrooms of students in grades 5-8 for one hour over a seven-week period. Student song writing to reflect their understanding of the curriculum is a key element of this program. A final school-wide assembly at each school of student-written songs will serve entire school populations and will be backed by professional musicians and sound. • Teach personal financial concepts using music. ROAM uses roots music (traditional, blues, jazz, country, and rock) and a host of instruments including fiddle, banjo, guitar, pennywhistle, bass, and vocal harmonies to expand both the student’s musical knowledge as well as an understanding of academic content. • Identifying sources of personal income Understanding personal finance is a critical aspect of youth development as young people enter a world of where innovation, tough competition, and uncertain markets paint the landscape. A national student survey of basic, personal financial literacy in 2008 was a justification for the development of the current national standards. The survey showed that of 6,856 graduating high school seniors, the mean test score – their understanding of basic financial literacy concepts – was only 47.5% of 100%. • Assess student understanding by their song lyrics. Students write songs that incorporate the personal financial concepts and music genres being presented during each class session. • Prepare students for a final performance of their songs. Standards ROAM aligns the program with the State of Ohio and a curriculum created by the nationally recognized Jump$tart Coalition which recommends personal finance principles for young people. These include: pay yourself first, start saving money, budget your money, and don’t borrow what you can’t repay. In accordance with the national standards, ROAM will present the following topics during the course of seven visits to each school: • Taking responsibility for personal financial decisions • Finding and evaluating financial information from a variety of sources • Making financial decisions by systematically considering alternatives and consequences • Describing factors affecting take-home pay • Developing a plan for spending and saving • Describing how to use different payment methods Outcomes Since 2009, the original Taking Charge of My Cash has been successfully implemented at 10 schools with positive evaluation results. The program demonstrates student improvement in the arts and math by at least 20% in areas tested. Since the State of Ohio revised the social studies curriculum in 2010 to include personal finance, the Taking Charge of My Cash program has been revamped to align with National Standards in personal finance to corroborate with the state mandate. About ROAM Roots of American Music (ROAM) is a 501c (3) nonprofit music education organization, established in 1999. Roots of American Music provides arts-integrated programs to youth and diverse communities, using traditional music, in order to enhance educational outcomes and enrich people’s lives. ROAM currently employs 15 teaching artists who reach over 25,000 individuals annually with educational music programs. ROAM teaching artists provide an arts-integrated learning experience for core subjects to help students achieve academic goals.