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Milkshake

SIGNATURE CLASS

How to be a
Tax-Free Millionaire

RECOMMENDED FOR EVERY HIGH SCHOOL SENIOR AND COLLEGE STUDENT

Money & Milk$hakes™ proudly presents its flagship class, “How to be a Tax-Free Millionaire”, designed to empower students with essential financial knowledge. Focused on leveraging the tax advantages of a Roth IRA account, this unique course is specially tailored for high school and college students – a crucial time when many young adults embark on their first jobs.

The secret to building wealth lies in the power of compound interest, famously referred to as the eighth wonder of the world by none other than Albert Einstein. By opening a Roth IRA early in their careers, students unlock the potential for decades of exponential growth, as contributions benefit from the magic of compounding over time. As an added bonus, all growth is tax-deferred, and withdrawals during retirement are entirely tax-free. In this class, we demystify the Roth IRA, guiding students through the process of opening one and showcasing the myriad of advantages it offers.

By instilling the value of long-term planning and introducing the concept of financial independence from an early age, we pave the way for our students to secure a prosperous future. Our ambitious mission is to empower every high school senior with this essential knowledge before they graduate, equipping them with the tools they need to achieve financial security and live their lives free from financial anxiety.

Topics Covered in the Series
  • Power of Compound Interest & Time
  • Delayed Gratification vs. Instant Gratification
  • Wants vs. Needs
  • Assets vs Liabilities
  • Net Worth
  • And More

How to be a 
Tax-Free Millionaire

By opening a Roth IRA early in their careers, students unlock the potential for decades of exponential growth, as contributions benefit from the magic of compounding over time. As an added bonus, all growth is tax-deferred, and withdrawals during retirement are entirely tax-free. In this class, we demystify the Roth IRA, guiding students through the process of opening one and showcasing the myriad of advantages it offers.

Introduction to the Stock Market

Building upon the foundation from Class 1, our second class, “Introduction to the Stock Market,” dives into the fundamentals of the stock market. Students will learn the necessary vocabulary like diversification and the power of compounding. They will explore the broader economic factors that influence the stock market, including inflation, interest rates, and global trends. Learning about the fundamentals of the stock market is essential to financial freedom.

Introduction to Index Funds

Finally, our third class in this trio, “Introduction to Index Funds,” introduces a low-risk investment strategy of investing. This course delves into the world of index funds, which are a type of fund that mirrors a specific market index’s performance. Students will explore the rationale behind index fund investing, understanding its simplicity, low cost, and broad diversification benefits.

Pillars of Financial Literacy

1

Budgeting and Money 
Management

  • Creating a budget to track income and expenses.
  • Learning to prioritize spending and distinguishing between needs and wants.
  • Developing good saving habits and setting financial goals.

2

Banking and Basic 
Financial Services

  • Opening and managing a bank account.
  • Understanding banking fees and charges.
  • Learning how to write checks, use online banking, and manage debit/credit cards.

3

Understanding Credit

  • Learning about credit scores and reports.
  • Establishing and building good credit.
  • Using credit responsibly and avoiding common credit pitfalls.

4

Debt Management

  • Understanding different types of debt (credit cards, home loans, student loans).
  • Learning about interest rates, terms, and repayment options.
  • Avoiding excessive debt and managing existing debt responsibly.

5

Saving and Investing

  • Building an emergency fund for unexpected expenses.
  • Understanding various investment options (stocks, bonds, index funds).
  • Learning about the power of compound interest and long-term investing.

6

Insurance and Risk 
Management

  • Understanding different types of insurance (health, auto, renters).
  • Evaluating insurance needs and selecting appropriate coverage.
  • Managing risk and protecting against financial setbacks.

7

Financial Planning 
for the Future

  • Learning about retirement planning and saving for the future.
  • Understanding the importance of estate planning and creating a will.
  • Considering other long-term financial considerations (such as education planning for children).

8

Financial Goal Setting

  • Setting short-term and long-term financial goals.
  • Developing a plan to achieve those goals (e.g., saving for a down payment on a house, starting a business).
  • Monitoring progress and adjusting strategies as needed.

Financial Literacy is 
an ongoing process.

Testimonials

“

“I had a positive experience with Zabrina and the Money&Milk$hakes program at our school! She is very knowledgeable and has great insights on finance and how to connect with the kids! Her passion for the subject made it even more enjoyable. She left a lasting impression.”

Edwin LopezAssistant Principal, Valley Oaks CES High School
“

It was a pleasure having Zabrina at our College to teach the students how to invest in their future. She brings a wealth of knowledge in everything related to investing, financial stability and more. We look forward to having her again in the near future."

Andrea Rodriguez-Blanco, MBACareer Center Director, West Los Angeles College
“

"Zabrina Schultz is an outstanding teacher/presenter. In addition to being extremely knowledgeable about the world of finance, she has the uncanny ability to successfully adapt to her audience. She is energetic and engaging. Her content is presented in a way that makes it simple to immediately apply. She is truly entertaining and effective."

Carter PaysingerCo-Founder, National High School Career Day Network
“

"We've continued to get really good feedback about the session – the students really appreciated the straightforward and actionable information! The Money & Milkshakes session not only introduced tools for financial stability but a long term plan for personal wealth!"

Lisa RubenExecutive Director, Partnership Scholars Program
“

“Zabrina does a wonderful job of explaining financial topics in a simple and engaging way. She is teaching concepts that every teenager should be learning but are not taught in school. She connected with the girls, really involving them in the presentation. I think they all learned important lessons that will help them tremendously as they start to earn and save their own money.”

Kristen PattersonNational Charity League Grade Level Advisor Class of 2025