Financial Literacy Taught in Elementary Schools using a Qualitative Research Method Comment by Joshua Valk: Your title still needs revision. Right now it is too generic. Also, your method and design need to appear in your title.





Jennifer Vitale


Copyright 2022 Comment by Joshua Valk: Change to “20XX.”






A Dissertation Presented in Partial Fulfillment


of the Requirements for the Degree


Doctor of Education Comment by Joshua Valk: Use full degree program title.





University of Phoenix Comment by Joshua Valk: Any feedback I put in your dissertation draft should be assumed to be the same throughout. For example, if I make a comment on page four about word choice, a grammatical error, etc. you should adjust throughout your entire draft, not just where the comment is sitting. Any suggested revision may be in one place, or it may be in dozens of places. It is up to you to search throughout for similar errors or needed changes. Comment by Joshua Valk: Each week the ENTIRE template must be submitted. I only grade the specific section assigned that particular week, but you should have one running document that you use throughout your DOC classes.








The Dissertation Committee for Jennifer Vitale certifies approval of the following dissertation:







Josh Valk, PhD, Chair Comment by Joshua Valk: This is what I go by but my legal name is Joshua so use that.

Marie Peoples, PhD, University Research Methodologist


James Smith, EdD, Panel Validator





Josh Valk



Marie Peoples



James Smith



Hinrich Eylers, PhD

Vice Provost, Doctoral Studies

University of Phoenix



Date Approved: ____________
























[To be indented and completed upon full dissertation completion]


[To be indented and completed upon full dissertation completion]


Contents Page

List of Tables x

List of Figures x

Preface (optional) x

Chapter 1: Introduction x

Background of the Problem x

Problem Statement x

Purpose of the Study x

Population and Sample x

Significance of the Study x

Nature of the Study x

Research Questions/Hypotheses x

Theoretical or Conceptual Framework x

Definition of Terms x

Assumptions, Limitations, and Delimitations x

Chapter 2: Literature Review x

Title Searches and Documentation x

Historical Content x

Current Content x

Theoretical or Conceptual Framework Literature x

Methodological Literature x

Research Design Literature x

Conclusions x

Chapter Summary x

Chapter 3: Research Methodology x

Research Method and Design Appropriateness x

Research Questions/Hypotheses x

Population and Sample x

Informed Consent and Confidentiality x

Instrumentation x

Field Test or Pilot Test x

Credibility and Transferability or Validity and Reliability x

Data Collection x

Data Analysis x

Chapter Summary x

Chapter 4: Analysis and Results x

Research Questions/Hypotheses x

Data Collection x

Demographics x

Pilot Study x

Data Analysis x

Results x

Chapter Summary x

Chapter 5: Conclusions and Recommendations x

Research Questions/Hypotheses x

Discussion of Findings x

Limitations x

Recommendations for Leaders and Practitioners x

Recommendations for Future Research x

Chapter Summary x

References x

Appendix A: Title x

Appendix B: Title x

Appendix C: Title x







Table 1: Title x

Table 2: Title x

[Only include a list of tables if there are two or more tables. Use title case, defined as capitalizing key words, for table titles.]


Figure 1: Title x

Figure 2: Title x

[Only include a List of Figures if there are two or more figures. Use title case, defined as capitalizing key words, for figure titles.]






January 2010



Chapter 1


Education about financial Literacy is an important subject that could help students handle money. Students who acquire this knowledge could make sound financial decisions to avoid common financial inaccuracies. As Amagir et al. (2018) mentioned in their systematic literature, individuals who lack financial Literacy make errors when paying their financial obligations. As a result, the emphasis of this study will be on the financial education gaps that exist in schools, the repercussions of these gaps, and possible remedies. This research focuses on the gap between financial education and its incorporation into elementary schools. Comment by Joshua Valk: Do not capitalize. Comment by Joshua Valk: Anthropomorphism: “an interpretation of what is not human or personal in terms of human or personal characteristics” (Merriam-Webster, 2022). Here is an example on how to avoid an anthropomorphism. Instead of “this…study explores” you can say “an exploration of…will occur in this study.”

According to Amagir et al. (2018), financial education is characterized as the capacity to make appropriate financial judgments in the face of adversity. Teaching children about financial education tools may assist them in developing more skills and judgment while dealing with money in school. Financial literacy training and adoption benefit both knowledgeable young people and the global community due to their efforts. A bright future is established when youngsters are educated about personal money and financial Literacy (Amagir et al., 2018).

In addition, Amagir (2018) suggests that the leading ticket towards living a debt-free life is knowledge about financial management, which can only be achieved through lessons taught in classes. Youths have always manifested confidence in the way they use money, and in fact, most of them believe they are knowledgeable concerning the use of money. However, in real life, the youth struggle with planning their finances, which predisposes them to a life full of debts while they are still young (Amagir et al., 2018). This excessive confidence and awareness are barriers that need to be cleared out through financial education.

There are different programs that a typical school should implement to help train and educate students on matters related to finance. However, most schools focus on programs that emphasize practical didactics and theory-based (Blue & Grootenboer, 2019). Most of these didactics are based on benefit plans, which do not fully cover the main concepts of financial Literacy. As a result, the school’s students and members (principals, administrators, teachers, housekeepers, secretaries, police officers, guidance counselors, and cafeteria workers) have some financial literacy misconceptions. Comment by Joshua Valk: You should always be double-spaced. If you have a gap that looks a little wider it is possible you may need to click the button in Word for “remove space before paragraph” or “remove space after paragraph.”

Background of the Problem Comment by Joshua Valk: I do think you are addressing a problem that exists. However, make sure you closely relate it to your degree program. How does it connect to educational leadership?

Large numbers of children and teenagers may have money management challenges in the future due to a lack of financial knowledge and comprehension(Blue & Grootenboer 2019). Therefore, individuals establish poor money habits and become unable to manage their funds in the future efficiently. When it comes to young people, inadequate budgets are usually the result of bad financial habits, driven by a lack of financial Literacy. According to Amager et al. (2018), it is projected that 20 percent of high school seniors who participate in savings programs or open savings accounts will graduate with financial discipline and literacy skills. Their concern is that as their children get older, they will be unable to comprehend the fundamentals of saving, spending, and earning money and the fundamentals of checking and balancing their checkbooks and bank accounts (Faulkner, 2017). Education in Financial Literacy is becoming more critical for children as they learn to be self-sufficient, take responsibility, be independent, and be accountable for their actions. Comment by Joshua Valk: Lookup “due to” vs. “because of” any time you use this verbiage and make sure you always use the correct one. They are not always interchangeable. I am not saying whether this one is right or wrong, just pointing out some common grammatical errors I encounter. Comment by Joshua Valk: APA.

After completing the financial literacy program, students who have received financial education have an essential awareness of the financial markets, investment opportunities, and financial planning (Aboagye & Jung, 2018). Student debt, which is becoming a more serious issue for young people, will be avoided as the year’s pass. Financial management methods are identifiable, especially when dealing with well-informed and well-prepared specialists, while some financial management strategies are more challenging to detect (Aboagye & Jung, 2018). This is because well-informed individuals will anticipate dangers and argue-justify issues relevant to their academic endeavors (Amagir et al., 2018). Since individual financial well-being significantly impacts the economy, polarizing financial knowledge inside educational institutions is more vital than ever. Comment by Joshua Valk: How does this relate to your topic? Comment by Joshua Valk: Gramma

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