Soar to Savings Online Module for Teachers and Students

Soar to Savings provides tips for saving and describes the impact of individual saving on the overall economy. As a result of this module, students will have a better understanding of opportunity cost, interest, down payments, and financial investment.


At the end of the module, students will be able to:

  • Identify key reasons to save.
  • Recognize opportunity costs to both saving and spending.
  • Recognize the power of compound interest for increasing savings balances over time.
  • Use the Rule of 72 to calculate compound interest.
  • Recognize that interest rates create incentives for lenders and borrowers.
  • Explain the role of financial intermediaries and financial markets.
  • Explain the difference between stocks and bonds.
  • Explain how the supply of and demand for loanable funds determines interest rates.
  • Recognize that national savings equals investment in a closed economy.
  • Explain the paradox of thrift.
  • Recognize that the U.S. Government finances deficit spending through the sale of U.S. Treasury securities.
  • Explain that government debt can crowd out the supply of loanable funds and affect interest rates.


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Education Level: 9-12 6-8 College
Subjects: Personal Finance Economics
Concepts: Types of Saving Fiscal Policy Capital Markets Saving Interest
Resource Types: Online Module
Languages: English
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