Spend, Save, Decide! A Wants vs. Needs Challenge

Is a flashlight a want or a need? Can wants and needs change based on the situation? These are the types of questions students explore in Spend, Save, Decide! This interactive Google Slides activity is designed to help elementary learners think critically about spending and saving money.

Through a series of realistic, engaging scenarios and budgeting challenges, students learn how different situations can influence their financial decisions while practicing teamwork, problem-solving, and responsible money management.

Download My Spend, Save, Decide! Teacher’s Guide and Student Worksheet

Download My Spend, Save, Decide! Google Slides Game

What’s Included in the Spend, Save, Decide! Resource

Teacher’s Guide

Lead meaningful discussions about wants, needs, and smart decision-making.

The Teacher’s Guide includes lesson facilitation tips, classroom discussion questions, implementation suggestions, and reflection opportunities that help students think beyond simple right-or-wrong answers. Use the guide to spark conversations about prioritizing needs, adapting to change, and making thoughtful financial choices.

Student Worksheet

Turn student conversations into deeper learning and reflection.

As students move through the activity, the worksheet captures their thinking, encourages written explanations, and helps them reflect on how their choices changed from one scenario to the next. Students explain their reasoning, compare perspectives, and examine how different situations can influence spending decisions.

Image of slides from the wants and needs financial literacy activity Google Slides game. — We Are Teachers

Interactive Google Slides Game

Challenge students to think critically about what matters most.

In this interactive game, students face a variety of everyday scenarios that require them to consider what counts as a want, a need, or something in between. During the first round, they sort items based on changing circumstances and defend their choices with their teammates. In the second round, students use a limited token budget to make purchasing decisions, forcing them to weigh trade-offs, justify priorities, and determine which items are most important in each situation.

Help Students Start Building Strong Financial Decision-Making Skills

Understanding the difference between wants and needs is a foundational financial literacy skill. Spend, Save, Decide! helps students recognize that responsible decision-making often depends on context, available resources, and personal priorities. Through discussion, collaboration, and hands-on practice, students learn how to evaluate choices, justify decisions, and become more thoughtful consumers.

Download My Spend, Save, Decide! Teacher’s Guide and Student Worksheet

Download My Spend, Save, Decide! Google Slides Game

Want to continue teaching your students to be financially smart, AI‑savvy, and cyber‑safe?

From interactive games and hands-on challenges to engaging lesson activities, Kids4Tech’s collection of classroom-ready resources help students develop the critical thinking, digital awareness, and real-world problem-solving skills they’ll need to succeed in a rapidly changing world. Discover even more opportunities to prepare learners for success both in the classroom and beyond.