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Title Earning Money
Scripture Wealth gained hastily will dwindle, but whoever gathers little by little will increase it. Proverbs 13:11

Better to have little, with godliness, than to be rich and dishonest. Prov 16:8




– Finding the good ways to earn money

– Different ways to earn an income

– Process of receiving money from employer

Materials Needed Power Point

(15-25 minutes)

There are lots of ways to earn money when you are in 12th grade. Don’t be confined to thinking that the only way to make money is an 8-5 job five days a week. You have an unlimited earning potential. The only reason you can’t earn money, if if you don’t try. Start by focusing on your passion. Do you love animals? Love cars? Love technology? Love helping people? Love phones? Once you know what you love, you can start to drill down and find out how you want to earn money. Let’s say you love animals and you want to earn money working with animals. There are likely at least 20-30 veterinary clinics in your area. Make a list and start applying. Almost every business is looking to hire someone right now who has a good attitude, good work ethic, and someone who wants to grow. No luck with the veterinary clinics? Make a list of every pet store. There is likely MORE pet stores in your area than veterinary clinics so you can find a job and start earning money doing something you love with a little work.


After you get a job working for someone, you’ll typically get paid every two weeks. Most jobs you are going to find as a 12th grader are going to pay you hourly. As of the time this is being written, the federal minimum wage is $7.25. Keep in mind that if you work in a restaurant there are special rules because of tips, but we won’t get into that here. $7.25 seems great at first because you probably think that if I work for 20 hours in a week I’ll get a check for $145.00. However, there is something you need to consider: TAXES! No one likes taxes, but they are very important and serve a very important role. It is too large of a topic to get into, but know that roughly 20%-25% of your income will go to taxes (both federal and state) so instead of getting $145.00 for 20 hours of work, you’ll actually get about $110.00.


Some employers will give you a paper check that you can go cash at a bank and some will accommodate direct deposit. Direct Deposit means that you have a checking account opened at a bank and your money is automatically deposited into that account. It can be very useful and is nice because it is automated, but you need to make sure that your checking account has overdraft protection so you don’t take out more than you have in your account. Again, this is a separate topic, but know that it is an option. For now, it is ok to pick-up your paper check and go cash it at a bank.


After you worked for your first two weeks and you get your first paycheck, congratulations! You are earning now! There is no limit to your earning potential. It is totally up to you. The more effort you put in, the better your attitude is, the more you are going to earn.

Activity Make a list of the 8 types of income and ways you could earn each type of income.  Make a list of the places that you have earned money.
Let’s do it

☐ Yes, there could be an advanced level portfolio assignment with this lesson?





Implement one way that you can generate earned income

Mentor Debrief  
Reference Material I Will Teach You to be Rich. Second Edition. Ramit Sethi.

The Millionaire Next Door. Thomas J. Stanley

The Total Money Makeover. Dave Ramsey



Developer & Short Bio Andrew Geren. Andrew was born and raised in Wichita, Kansas. He is a Wichita State University and Kansas Law School graduate. He currently works as an attorney at DeVaughn James Injury Lawyers in Wichita, Kansas. He and his wife attended law school at KU together and took out student loans to pay for their law degrees. After graduating they focused on paying off their loans and in only 5 and a half years they paid off approximately $304,000.00 in student loans. Andrew and his wife credit this achievement to conscious spending and diligently focusing on paying the loans.
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