★ LMS Prototype · Funded by The Ares Charitable Foundation

How to Do Money · The Classroom

The Year 1 learning platform — 10 screens across two views. What each girl sees, and what the facilitator sees. Built on Thinkific. Branded for Her Climb.

https://learn.herclimb.org/how-to-do-money

How to Do Money

Welcome back

You're 60% through Module 2

Pick up where you left off — Needs vs. Wants.

60%
Course progress

Module 1 · Income & Expenses

Understanding the money that moves through your life

100%
Complete
2

Module 2 · Needs vs. Wants

Building and maintaining a personal budget

60%
In Progress
3

Module 3 · Saving with Intention

Short-term and long-term savings goals

0%
Up Next
🔒

Module 4 · Banking 101

Open an account, understand interest, avoid fees

Locked
🔒

Module 5 · Credit & Debt

What it is, how it works, how to protect yourself

Locked
🔒

Module 6 · Financial Goal-Setting

Connecting money decisions to life ambitions

Locked

Module 2, Chapter 3: Lesson preview

Module 2 · Chapter 3 of 5

The real difference between needs and wants

⏱️ 7 min read 🎥 4 min video 📝 1 assignment +50 XP
Lesson video · 4:12 · with Ms. Rita

Every dollar you spend falls into one of three buckets: a need, a want, or savings. Most adults can't tell you the difference between the first two. By the end of this chapter, you will.

So what's the difference, really?

A need is something that keeps your life functional. Food. Shelter. Transportation to school. A phone reliable enough to call home and do your homework. A want is something that makes life more enjoyable but isn't required for it to keep working — the designer case for that phone, the latest sneakers, the matcha latte instead of water.

The trick most adults miss: wants aren't bad. The problem is treating wants like needs. When you call your daily Starbucks a "need," you stop being able to choose. Knowing what's actually a need is what gives you power.

Try this

Look at what you spent money on in the last 7 days. Sort each item into needs, wants, and savings. Most people are surprised by how much of their "needs" are actually wants — and how that one shift in awareness changes their whole budget.

📝 Assignment

Sort your week

Track every dollar you spent this past week. Sort into needs, wants, and savings. Submit your reflection by Sunday.

Module 2 · Chapter 3 · Assignment

Sort your week

Track every dollar you spent this past week. Drag each item into Needs, Wants, or Savings. Then write a short reflection.

Progress
3/10

This week's spending

Tap or drag an item into a bucket →

Chick-fil-ATuesday lunch
$14
Bus passMonthly · school
$42
Sephora — glossSaturday w/ Aaliyah
$28
Phone bill shareHalf of family plan
$9
Matcha latteFriday after class
$6
Concert ticketsFor next month
$22
Snacks at cornerAfter school × 3
$7
Savings transferAuto-deposit Friday
$20
School suppliesNotebooks, pens
$12
TikTok coinsTipping a creator
$5
Needs · keeps life functional
$51
Bus pass × Phone bill share ×
Wants · enjoyable but optional
$0
Drop items here…
Savings · paying future-you
$20
Savings transfer ×

Reflection — about 2–3 sentences

What surprised you? Did anything you called a "need" turn out to be a want?

0 words
Module 2 · Chapter 3 thread

What's a "need" you secretly thought was a need?

Started by Ms. Rita · 16 in cohort · 12 replies · last reply 14 min ago
R
Ms. RitaFacilitator2 days ago

Hey ladies! 👋 Big question for the week — when you really sit with your last 7 days of spending, is there something you'd been telling yourself was a need that you now realize is actually a want?

No wrong answers. The whole point is to see it clearly, and then decide what you want to do about it. Drop your honest take 👇

❤️ 12 🙌 8
A
Aaliyah B.1 day ago

Y'all I had no idea how much I was spending on snacks at the corner store 😭 it's like $7 a week which sounds small but that's almost $30 a month?? on chips???

I had it in my head as a "need" because I'm hungry after school but… I have food at home lol. Wild.

😭 9 💯 6 🙌 4
J
Jada S.22 hr ago

@Aaliyah girl SAME 😂 me w/ matcha. but also like… $30 isn't even the worst thing? I think the trick is just knowing. Now you can choose.

❤️ 5
K
Kiara T.18 hr ago

Mine is rideshares. I kept telling myself "it's safer / it's faster" but the bus literally goes to the same place. I think I was paying $20+ a week just to avoid waiting 12 minutes 💀

Going to try the bus this week and put the difference in savings. Will report back.

🚌 7 🔥 5
N
Nia D.3 hr ago

okay i'll be real — i haven't done the worksheet yet 🫠 but reading these is making me wanna. y'all are SO honest, it's making me feel less weird about my own stuff.

🫶 6
R
Ms. RitaFacilitator14 min ago

@Nia we got you 💛 do as much as you can today, even if it's just 3 items. Showing up imperfectly > not showing up.

💛 3
M
Posting as Maya R. · Cohort 1 · 2026
Live cohort call · Sunday

Money stories, sister to sister

Bring your "Sort Your Week" reflection. We'll share what surprised us, hear from a guest mentor, and prep for Module 3.

📅 Sun, Jan 26 🕖 7:00 PM ET ⏱️ 60 min 📍 Zoom · link in calendar
3d 4h
until kickoff
12 of 16 sisters in

Tonight's agenda

Add to calendar →
  • 7:00
    Welcome & weekly check-in 💛
    One word for how this week's been with money.
  • 7:10
    Share-out: "Sort Your Week"
    Each sister shares one need-vs-want surprise. 90 sec each.
  • 7:35
    Guest mentor — Tasha Williams
    First-gen college, paid off $32K in student loans by 27. Ask her anything.
  • 7:50
    Module 3 preview · Saving with Intention
    What's coming next & one small action for the week.
  • 7:58
    Closing affirmation
    We rise together.

Who's coming

12 / 16
A
Aaliyah
J
Jada
K
Kiara
M
Maya
S
Sade
L
Lola
T
Tia
B
Bria
N
Nia · pending
D
Dior · pending
Z
Zhara · pending
+
5 more
Reminder: calls are recorded so anyone who can't make it can catch up. No pressure to be on camera.
Preview only. You'll earn this certificate when you finish all 6 modules. So far: 2 of 6 modules complete.
HC
Certificate of Completion

How to Do Money

presented to
Maya Renée
for completing the How to Do Money Year 1 curriculum — six modules, twelve weeks, and one cohort of sisters who showed up for each other. May this be the foundation of every financial decision that follows.
Rita OkaforLead Facilitator
Her ClimbFounder & CEO

Cohort dashboard

👯
Active Students
16/16
↑ 100% participation
📊
Avg. Course Progress
52%
+ 8% this week
📝
Pending Reviews
7
3 due this week
🎯
Avg. Quiz Score
87%
+ 4% vs. baseline

Cohort progress

View all 16 →
Student Module Progress Status
A
Aaliyah B.
Module 3
78%
On Track
J
Jada S.
Module 2
62%
On Track
K
Kiara T.
Module 3
81%
On Track
M
Maya R.
Module 2
60%
On Track
N
Nia D.
Module 2
42%
Late
S
Sade L.
Module 1
28%
Needs Check-in

Weekly engagement

More →
MonTueWedThuFriSatSun
Sundays are the strongest day.
Consider scheduling reflection prompts for Sun nights.

Module health

Curriculum →
Module 1 · Income & Expenses
100%
Module 2 · Needs vs. Wants
71%
Module 3 · Saving
34%
Module 4 · Banking 101
Module 5 · Credit & Debt
Module 6 · Goal-Setting

Pending reviews

All submissions →
A
Aaliyah's "Sort your week"
Submitted 2 hrs ago · M2 Ch3
K
Kiara's "Sort your week"
Submitted 6 hrs ago · M2 Ch3
J
Jada's "Money story" reflection
Submitted yesterday · M1 Ch5
N
Nia's "Money story" reflection
Submitted 2 days ago · M1 Ch5
A
Aaliyah Brown
Module 2 · Chapter 3 · "Sort Your Week"
Submitted 2 hr ago
1 of 7 pending

Her sorting

Needs$56
  • Bus pass$42
  • Phone share$9
  • School supplies$5
Wants$54
  • Sephora$28
  • Snacks at corner$7
  • Matcha latte$6
  • TikTok coins$5
  • Concert tix$8
Savings$20
  • Auto-deposit$20

Her reflection

"Doing this honestly was kinda embarrassing 😅 I had no idea how much I was spending on snacks. Like $7 a week for chips? I was telling myself it was a need cause I'm hungry after school but I literally have food at home. Going to bring a snack from home this week and put the difference toward my prom dress fund."
N
Nia Davis
Cohort 1 · 2026 · joined Jan 6 · age 16 · she/her
Late on M2 First-gen Needs check-in

She hasn't logged in for 5 days

Last activity: opened Module 2 Chapter 2 video, watched 1:24 of 8:00, exited. Hasn't started the "Sort Your Week" assignment. She did post once in the discussion thread today — first sign of life this week — and Ms. Rita already replied. Recommend a low-pressure check-in DM in the next 24 hours.

📊
Course Progress
42%
14% behind cohort avg
📝
Assignments In
3/5
2 outstanding
🎯
Avg Quiz Score
91%
When she shows up, she's strong
📅
Calls Attended
2/3
Missed last Sunday

Activity timeline

View all →
  • 3 hr ago
    Posted in discussion: "i'll be real…"
    First post all week. Ms. Rita already replied with care.
  • 5 days ago
    Opened Module 2 · Chapter 2 video
    Watched 1:24 of 8:00 then exited. No re-attempt.
  • 1 wk ago
    Submitted Module 1 · "Money Story" reflection
    Strong submission. 5/5 rubric.
  • 1 wk ago
    Attended cohort call
    On camera, spoke once. Asked a great question about credit.
  • 2 wk ago
    Joined cohort
    Onboarding completed in one sitting. High initial engagement.

Facilitator notes

+ Add note
Ms. Rita · 1 wk ago
Mom started a new shift at the hospital — Nia is watching her younger brother on weeknights. May affect cadence. Be flexible on deadlines but keep the door open.
Ms. Rita · 3 wk ago
Smart, observant, a little quiet on calls but DMs are great. Sees herself as "not a math person." Would benefit from being paired w/ Aaliyah for Module 4.
Module 2 · Needs vs. Wants

Edit chapters

● Published
⋮⋮ 2.1
What is money to you?5 min · video + reflection
+25 XP Live
⋮⋮ 2.2
Money in, money out8 min · video + worksheet
+30 XP Live
⋮⋮ 2.3
Needs vs. wants ✏️ Currently editing
+50 XP Live
⋮⋮ 2.4
Tracking your spend10 min · interactive
+40 XP Draft
⋮⋮ 2.5
Build your first budget15 min · capstone assignment
+75 XP Draft
Now editing · Chapter 2.3

Needs vs. wants

New announcement

Goes to all 16 sisters in Cohort 1 · 2026

📧 Email 💬 In-app 📱 Push notification 📨 SMS
📱 Push preview
Her Climb · Learn
Sunday call: bring your reflections 💛
Hey y'all 👋 Quick reminder — Sunday's cohort call is at 7pm ET. Bring your "Sort Your Week" reflection…
📧 Email preview
From: Ms. Rita Okafor <learn@herclimb.org>
Her Climb · Learn
Sunday call: bring your reflections 💛
Hey y'all 👋

Quick reminder — Sunday's cohort call is at 7pm ET. Bring your "Sort Your Week" reflection (even if it's not perfect)…

Continue to LMS →

Recent sends

Welcome to HTDM 💛 Jan 6 · 16/16 opened
Module 1 wrap & Sunday prep Jan 19 · 14/16 opened
Snow day — call moved Jan 21 · 16/16 opened

Toggle the views above ↑ to flip between Student and Facilitator. Within each view, use the inner tabs to walk through 5 screens — together, 10 screens covering the full Year 1 cohort experience.

Both views run on the same Thinkific platform — branded for Her Climb, customized for the HTDM curriculum.