September 21, 2026
You’re in DARE TO SAVE—now choose one Money Smart challenge to complete. Each challenge helps you build useful money skills and takes less than 30 minutes.
Pick the Challenge That Fits You
Start with your age group, but don’t let the ages box you in. They’re a guide, so choose the challenge that best fits what you’re ready to learn. Challenges for ages 5–8 and 8–11 work best with an adult. Older participants can work independently or ask an adult to join them.
Ages 5–8
- Super Savers: Practice saving, spending, and finding ways to spend less.
Download Super Savers - Weighing Needs and Wants: Learn how needs are different from wants.
Download Weighing Needs and Wants - Ready. Set. Goal.: Make a simple plan for reaching a savings goal.
Download Ready. Set. Goal.
Ages 8–11
- Save Your Money: Learn how savings accounts and interest work.
Download Save Your Money - Get Invested: Explore basic investments and their risks.
Download Get Invested - Get Set for Goals: Plan for short-term and long-term savings goals.
Download Get Set for Goals
Ages 11–14
- How to Stash Your Cash: Compare savings choices and learn about compound interest.
Download How to Stash Your Cash - Designing a Dream: Connect your values, spending choices, and financial goals.
Download Designing a Dream - Which Way to Pay?: Compare ways to pay and learn how to protect your private information.
Download Which Way to Pay?
Ages 14–17
- Boost Your Savings: Learn about savings options, dividends, rates, and compound earnings.
Download Boost Your Savings - Working Hard for the Money: Explore income, paychecks, deductions, benefits, and careers.
Download Working Hard for the Money - Financial Sleuth: Practice recognizing scams and checking financial information.
Download Financial Sleuth
Complete and Return Your Challenge
This isn’t a test. Completion is based on working through the material and finishing the required activity sheets—not on getting every answer right.
Return instructions are included in each packet. We must receive your completed activities by 5:00 p.m. on October 31, 2026, for them to count toward the DARE TO SAVE financial education requirement.
Need help, a printed packet, or supplies such as pencils, pens, notebooks, or crayons? Visit a Tongass FCU branch or microsite, call Branch 49 at 907-225-9063, or email financialeducation@tongassfcu.com.
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