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Emergency Fund, Borrowing, Savings Goals

Emergency Fund, Borrowing, Savings Goals

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Help your students practice real-world money decisions with the Emergency Fund, Borrowing, and Savings Goals Card Game. This interactive activity challenges learners to think critically about when to use savings, when borrowing may be necessary, and how to set short-term and long-term goals.

What’s Included:

  • 24 scenario cards (large, easy-to-read format – 2 per page)

  • Two versions:
    • Cards with answers on the front (perfect for self-check or independent learning)
    • Cards with scenarios only + separate answer key (ideal for group or classroom play)

  • Instructions for quick setup

Learning Outcomes:

  • Identify situations that call for an emergency fund vs. regular savings

  • Evaluate when it’s better to borrow or save first

  • Distinguish between short-term and long-term goals

  • Build financial decision-making and problem-solving skills

Suggested Grade Levels:

  • Grades 6–10 (ages 11–16)

  • Adaptable for upper elementary with simplified explanations

  • Useful in personal finance, economics, and applied math classes


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This resource is for personal classroom use only. Copying, sharing, or reselling without written permission is prohibited.

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