Real-world learning strengthens students’ financial education

Sixth-grade students at Frederick D. Thomas Middle School recently participated in an interactive financial education presentation designed to help them make informed financial decisions, and protect themselves from fraud and scams. The guest expert leading the program was Yanina Sgroppo Emerick, senior vice president and chief compliance officer for County Bank.

The lesson focused on helping students understand the differences between fraud and scams, and why recognizing them is essential in today’s digital environment. Students explored common scams that often target children and teens, including fake contests, phishing emails and text messages, gaming-related scams and influencer impersonation schemes. Through a “fake or real” message activity, students practiced identifying suspicious online content and learned how to respond safely.

Students also discussed the importance of protecting personal information, including the risks of sharing usernames and passwords, even with friends, and how safeguarding gaming accounts helps protect their identity. The lesson emphasized creating strong, unique passwords that do not include personal information such as names or birthdates.

“This lesson gives students practical tools they can use immediately,” said Greg Berman, a sixth-grade financial education teacher. “By connecting real-world examples to their daily online experiences, students are better prepared to recognize scams, protect themselves and make responsible financial choices.”

The presentation also addressed foundational money management skills. Through an interactive “this or that” activity, students worked in groups to decide whether to save or spend money in different scenarios, discussing trade-offs and long-term outcomes. Students learned about saving for unexpected rainy-day expenses as well as future goals and opportunities.

“Teaching financial education at a young age empowers students to build safe, responsible habits early on,” said Sgroppo Emerick. “Learning to navigate digital threats and manage their money wisely helps students make confident, lifelong decisions.”

The lesson concluded with a discussion on how saving money can provide financial security, as well as highlighting benefits of keeping savings in a bank account.