Level 2 · ages 9–12OECD PMSave
Lucky money: Spend – Save – Invest – Give
🎯 Goal: Know how to split a large sum (lucky money) into 4 purposes: to use, keep, grow, and share.
A large sum should split into 4: Spend (use), Save (keep), Invest (grow), Give (help others).
Let’s explore
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Unlike 3 jars: add an Invest part — savings/letting money grow.
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E.g., 400,000d split 40/30/20/10 → Spend 160k · Save 120k · Invest 80k · Give 40k.
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The Invest part is small but builds the habit of growing money over time.
Practice activity
🧮 Got 400,000d lucky money — split 40/30/20/10 across 4 purposes — how much each?
Worked example: 400,000d: Spend 40% = 160,000d, Save 30% = 120,000d, Invest 20% = 80,000d (a deposit), Give 10% = 40,000d. Adds to 400,000d.
Quick quiz
1. The four purposes are?
→ Spend – Save – Invest – Give
2. The "Invest" part is for?
→ Letting money grow
3. 400,000d, the 30% Save part is?
→ 120,000d
4. 400,000d, the 10% Give part is?
→ 40,000d
5. Compared to 3 jars, the 4-part way adds?
→ An Invest part
🎯 Real-life mission
Split lucky money into: Spend – Save – Invest – Give.
‹ Prioritize spending when money is limited · Plan for a big purchase ›