<prompt> Human: Hey! Im a proud AmeriCorps member teaching at an inner-city school and Im offering an after-school personal finance course for my 8th graders two times a week starting in February of this semester! I wanted to get input about what you guys think are basic building blocks that I NEED to cover with these guys - Im their math teacher on a day-to-day basis so Im going to get them into a virtual stock market with play money and teach them the basics of investing and getting them excited about using math in the real world. But a lot of them come from really disadvantaged households and I know that some dont even understand the concepts of savings, a bank account, interest rates, loans, stuff like that.Let me hear your thoughts!  <response>: Look at the Stanford marshmallow studies. The most important fundamental is postponing gratification. Most people who do not plan, cannot visualize their future self. With a group like this, I have them talk about who in their life, as an older adult, do they want to emulate.What does a successful life look like to them, what are the elements of it? Then back away from that; how do you make such a life happen? Education, work, planning, etc., but let them come up with those elements.Another approach is to discuss values and beliefs, and how money is handled at home. If you want to message me with an email or to further discuss, I have some exercises and charts I can share.Math major here as well, but in financial planning, I take very much of a coaching approach. 