JA More than Money®


JA More than Money  will meet the after-school programming needs of a diverse group of students by providing engaging, academically enriching, and experiential-learning sessions in economic education.

JA More than Money  encompasses economics and business curriculum for students in grades three through five. The program's six sessions are led by a volunteer.  

Valuable program resources, including downloadable promotional materials and the best practices and ideas shared by the JA Member Offices that participated in the JA More than Money pilot, are available online at www.juniorachievement.org/web/ja-more-than-money/awards.

Junior Achievement gratefully acknowledges HSBC for its dedication to the development and implementation of JA More than Money.

Pillars of Student Success Entrepreneurship:  Financial-Literacy:  Work-Readiness: 
Program Implementation Program Grade-Level
JA AfterSchool Elementary School
Program Concepts Program Skills
Advertising, Banking, Business, Business plan, Consumer, Deceptive, Deposit, Earn, Employee, Entrepreneur, Estimate, Expense, Good, Income, Interest, Job skill, Market research, Mentor, Money, Money management, Profit, Role model, Save, Self-employed, Service, Share, Spend, Start-up cost, Withdrawal, Work ethic Active listening, Analysis, Applying information, Basic math, Brainstorming, Chart data, Compare and contrast, Completing forms, Computation, Critical thinking, Deductive reasoning, Decision making, Drawing, Evaluating data, Following written and verbal instructions, Group work, Matching and classifying, Mind-mapping, Problem solving, Recording deposits and withdrawals, Role-playing, Self-assessment, Taking turns, Teamwork, Vocabulary building

Program Sessions

Session One: Money in the Bank

Students learn to manage a bank account. They play the Community Game to reinforce their money-management skills and to better understand the role and importance of money in their lives.

Session Two: A Sense of Worth

Students identify businesses they can start or jobs they can perform to earn money. Activities focus on developing a positive work ethic. Students continue playing the Community Game to further understand the role of money in their lives.

Session Three: Balancing Act

Students identify personal skills and interests and connect them with possible business opportunities. Working in groups, students learn about market research and play the final round of the Community Game.

Session Four: Building a Business

Students explore their jobs skills and the types of businesses that interest them. They identify the basic steps for starting and operating a small business. Using this information, students develop a business plan.

Session Five: Get SMART

Students continue to practice saving and spending as business teams. The concept of making intelligent consumer decisions is introduced through role-playing using the SMART system. Students work as teams to play round one of the Business Game.

Session Six: What's the Catch?

During the final session, students learn to recognize deceptive advertising and the importance of ethical business practices. Continuing to work as business teams, students conclude the program by playing round two of the Business Game.

Sponsor