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To begin, I would first like to extend a heartfelt thank you to everyone at Pinellas Education Foundation. Your continued support has introduced my students to life-changing concepts that they may have never learned otherwise.

2020 and 2021 have been years unlike any other during my lifetime. The future is filled with great uncertainty. Businesses have been forced to close; employees have lost their jobs. Now, more than ever, young people need to know about financial literacy and personal discipline. My goal is to inspire students to follow their dreams and overcome all stumbling blocks along the way.

Pinellas County Schools have created a new, crucial class called Personal Financial Literacy that is now taught at all the public high schools in the district. Since personal finance and self-improvement are so important to me, I advocated to teach this course. Fortunately, my assistant principal chose me as the instructor to lead our teenage students through these very concepts.

With this proposed grant, I believe my students will learn vital life lessons from these books. I believe they are relatable and teach students to pursue their goals. Setting tough goals and chasing them with discipline is a cornerstone of a successful capitalist society. I believe these novels will help inspire students to become more financially literate.

I believe students of all ability levels will find these books impactful. I requested a teenage version of Robert Kiyosaki’s Rich Dad, Poor Dad so students with lower reading comprehension levels can still get introduced to his concepts. Getting students from low-socioeconomic backgrounds to read novels is always a challenge. I believe they will find these books interesting and inspiring because, unfortunately, many of them have firsthand experience living in poverty.

Being able to comprehend what you read and think critically are invaluable life skills. According to Fast Company, the average CEO reads approximately 60 books per year. The world’s best and brightest minds are idea sponges who learn as much as they can from a variety of sources.

I also requested legal pads for my students. When I listen to useful podcasts or read informative literature, I write down the applicable wisdom. Writing concepts down helps people remember and implement the ideas. Journaling is a regular part of my classroom instruction. To quote the very successful podcaster and comedian Joe Rogan, “Winners write things down.”

I would like to incorporate outside reading of novels about personal finance, real estate, or taxes in my Personal Finance classes. I also will encourage students in my other classes (English and AP Research) to check these books out from my classroom library, so more young people can be introduced to these topics.

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RJ- Personal Financial Literacy (New Class)

grant photo
School:
Lakewood High School 
Subject:
Other 
Teacher:
Joseph Lippitt 
Students Impacted:
100 
Grade:
9-12 
Date:
October 26, 2021

Investor

Thank you to the following investor for funding this grant.

 

Raymond James Financial - $964.58

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Goal

To begin, I would first like to extend a heartfelt thank you to everyone at Pinellas Education Foundation. Your continued support has introduced my students to life-changing concepts that they may have never learned otherwise.

2020 and 2021 have been years unlike any other during my lifetime. The future is filled with great uncertainty. Businesses have been forced to close; employees have lost their jobs. Now, more than ever, young people need to know about financial literacy and personal discipline. My goal is to inspire students to follow their dreams and overcome all stumbling blocks along the way.

Pinellas County Schools have created a new, crucial class called Personal Financial Literacy that is now taught at all the public high schools in the district. Since personal finance and self-improvement are so important to me, I advocated to teach this course. Fortunately, my assistant principal chose me as the instructor to lead our teenage students through these very concepts.

With this proposed grant, I believe my students will learn vital life lessons from these books. I believe they are relatable and teach students to pursue their goals. Setting tough goals and chasing them with discipline is a cornerstone of a successful capitalist society. I believe these novels will help inspire students to become more financially literate.

I believe students of all ability levels will find these books impactful. I requested a teenage version of Robert Kiyosaki’s Rich Dad, Poor Dad so students with lower reading comprehension levels can still get introduced to his concepts. Getting students from low-socioeconomic backgrounds to read novels is always a challenge. I believe they will find these books interesting and inspiring because, unfortunately, many of them have firsthand experience living in poverty.

Being able to comprehend what you read and think critically are invaluable life skills. According to Fast Company, the average CEO reads approximately 60 books per year. The world’s best and brightest minds are idea sponges who learn as much as they can from a variety of sources.

I also requested legal pads for my students. When I listen to useful podcasts or read informative literature, I write down the applicable wisdom. Writing concepts down helps people remember and implement the ideas. Journaling is a regular part of my classroom instruction. To quote the very successful podcaster and comedian Joe Rogan, “Winners write things down.”

I would like to incorporate outside reading of novels about personal finance, real estate, or taxes in my Personal Finance classes. I also will encourage students in my other classes (English and AP Research) to check these books out from my classroom library, so more young people can be introduced to these topics. 

 

What will be done with my students

I would like to purchase books for my classroom’s library with this grant. I am requesting the following books to each financial literacy: Rich Dad, Poor Dad and Rich Dad, Poor Dad for Teens by Robert Kiyosaki, The Millionaire Next Door and Millionaire Women Next Door by Dr. Thomas Stanley, The Next Millionaire Next Door by Dr. Thomas Stanley and his daughter Dr. Sarah Fallow, Set for Life by Scott Trench, and The Wealthy Gardener by John Soforic, The Latte Factor by David Bach, and Millionaire Teacher by Andrew Hallam.

The economy is changing at an unprecedented rate. Americans are struggling to keep up with the impacts of inflation. Real estate prices are through the roof. Our old model of work hard in school, work a career for 30-35 years, and contribute to your 401K is no longer realistic for many. These books will help students thrive in our new idea-based economy. They also show real-world examples of how Americans became millionaires by investing wisely and not wasting money on extravagant purchases. A common misperception of the wealthy is that they probably inherited their fortune. However, according to Dr. Thomas Stanley, 88% of American millionaires are self-made. These books also teach students how to acquire passive income through assets instead of purchasing liabilities. Stock-market investing is also covered in these pages.

Multiple students have also asked me about real estate investing. According to Andrew Carnegie, 90% of millionaires do so through real estate investing. Some of my book requests are about rental property investing. They are How to Invest in Real Estate and Investing in Real Estate with No (or Low) Money Down by Brandon Turner.

According to Dave Ramsey’s new documentary Borrowed Futures, of the two million students who entered college last year, 1.4 million took out student loans. Student loans are never forgivable, even if one files for bankruptcy. The total student loan debt in this country is $1.6 trillion. Since many of my students aspire to go on to higher education, I am requesting Debt-Free Degree by Anthony ONeal to help them avoid the huge burden of college debt.

I would also like to purchase a few inspirational books that teach goal setting, discipline, and overcoming adversity. Discipline and stick-to-itiveness are requirements to be successful in life and personal finance. Most of my students do not learn about goal setting, steps to accomplish their goals, financial discipline, and saving. The books I best believe will teach these life skills are High Performance Habits by Brendon Burchard, The TB-12 Method by Tom Brady, Mamba Mentality by Kobe Bryant, and Discipline Equals Freedom by NAVY SEAL Commander Jocko Willink.

Over the last couple years, I have noticed a very disturbing trend in my students and with the population as a whole: addiction to screens. Companies spend billionaires of dollars per year using every trick in the book to keep people distracted. I requested the book Irresistible: The Rise of Addictive Technology by Adam Atler in order to help wake students up this danger. If people have extremely short attention spans, it will be very difficult to succeed in life. 

 

Benefits to my students

The benefits of these novels are two-fold. First, my students will learn about goal setting, following your dreams, and overcoming obstacles. Second, they will learn specific, practical skills that will prepare them for the new global economy. The information found in these books have helped me immensely throughout my life. I only wish I knew about these ideas when I was my students’ age. The earlier people can get on the right path, the better.

One true honor of being a schoolteacher is introducing students to great literature—to get students to read books with wisdom that they can apply to real life. During my tenure in education, many students routinely borrowed books from my classroom library and excitedly told me about the things they learned. I want to continue and expand this tradition. These books will help students become lifelong learners. My hope is that my students will always be curious and become lifelong learners.

An additional benefit related to the grant is that I can share with them the lessons of scholarships and grants. I break down how I won this grant in the past and used it to purchase class supplies. I compare grants for adults to college scholarships for high school students. The majority of our graduates go on to higher education and get into thousands of dollars of unforgivable student loan debt. This real-life example is a great way to open students’ eyes to the value of applying for scholarships. 

 

Describe the Students

Located in South Saint Petersburg, Lakewood High School is very diverse racially and economically. More than 60 percent of the students are Black. Our student population includes many ESE students, immigrant students who are learning English as a second language, and young people who have personal problems and an unstable home life. The majority of LHS students come from low-income homes. Many of Lakewood's students are on free or reduced lunch. Most do not have successful economic role models in their lives. Unfortunately, this can create a mindset of thinking the deck is stacked against them or that it’s impossible to win. My intent is to not only teach students the necessary skills for success in life, but also to inspire all students to truly believe they are capable of achieving success, no matter their circumstances.

I try to convince my students to buy in to the idea of capitalism and the American Dream. I show my students through hard work and good decision-making that they will be able to thrive in America. If I win this grant, I can show them specific examples of people who did not inherit a penny but were able to become immensely successful in our great country. To quote President Obama, “As Americans, we enjoy more freedoms and opportunities than citizens of any other nation on Earth.” 

 

Budget Narrative

Thank you so much for considering my request. Last year I was fortunate enough to have my request approved. I was able to lend life-changing books to my students. My students and I were very appreciative. It also provided a great real-life example of what great things can happen when you try for something. I taught my students that they could do the same for scholarships to college.

One thing that has been really amazing about this grant is that some students who normally do not read from the assigned literary canon are eager to read and learn about finances. Because money is something teenagers know they will use in the real world, many Lakewood students have enthusiastically borrowed these books from me and discussed the concepts. I recall a student telling me, “Mr. Lippitt, you’re the only teacher who teaches us real stuff.”
Thank you again for your consideration, Raymond James and Pinellas Education Foundation

PS: These books will be requested on Amazon.com. Is there a way PEF could get free shipping? If not, I have a Prime account for free shipping. 

 

Items

# Item Cost
1 The Wealthy Gardener by John Soforic (5 copies) $82.30
2 The Millionaire Next Door by Dr. Thomas Stanley (2 copies) $19.58
3 The Next Millionaire Next Door by Dr. Thomas Stanley (2 copies) $30.98
4 Millionaire Women Next Door by Dr. Thomas Stanley $23.18
5 Set for Life by Scott Trench (4 copies) $63.96
6 Rich Dad, Poor Dad by Robert Kiyosaki (3 copies) $43.92
7 Rich Dad, Poor Dad for Teens by Robert Kiyosaki (4 copies) $49.20
8 Discipline Equals Freedom by Jocko Willink (5 copies) $87.45
9 Investing in RE with No Money Down by Brandon Turner (5 copies) $74.45
10 How to Invest in Real Estate by Brandon Turner (4 copies) $67.64
11 Legal Pads White 12-Pack (5 packs) $53.70
12 Debt-Free Degree by Anthony Oneal (6 copies) $93.12
13 Irresistible: The Rise of Addictive Technology by Adam Atler (2 copies) $27.98
14 High Performance Habits by Brendon Burchard (2 copies) $25.98
15 The TB-12 Method by Tom Brady (3 copies) $40.74
16 The Latte Factor by David Bach (3 copies) $29.97
17 Millionaire Teacher by Andrew Hallam (2 copies) $33.38
18 Mamba Mentality by Kobe Bryant $54.00
19 taxes $63.05
  Total: $964.58

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