STEP 1
Find a shoulder partner.
Play best of 3 Rock • Paper • Scissors.
Bring some energy!
✊
ROCK✋
PAPER✌️
SCISSORSRESULTS
Winners, raise your hand.
Keep your hand up. You are the speaker.
Everyone else: you are the listener.
DISCUSSION
Speaker first. Listener responds.
Listen closely. You may be asked to share your partner's thinking.
TODAY'S TOPIC
Would you rather receive $1,000 today or $150 every month for a year? Why?
SPEAKER SHARE
What did your partner say?
Strong responses compare the immediate $1,000 with the $1,800 total received over 12 months.
WRAP UP
Dig deeper.
Money decisions involve trade-offs: timing, total value, risk, needs, and opportunity cost.