Rob Phelan, a math teacher at Middletown High School in Frederick County, has a simple yet powerful philosophy.

"If it's not exciting, engaging and educational, it doesn't belong in my curriculum.” He calls this the “three E’s,” and the approach is having an impact on his students’ learning of and interest in personal finance.

Now in his 11th year of teaching, Rob’s classes provide an example of how, as he says, “to get students talking and feeling comfortable talking about money.”

One of the classes Rob teaches is called Contemporary Math, where high school seniors explore the math they’ll need to navigate their future. In a My Money Storyactivity, they share their personal experiences with money. “My students come from many backgrounds,” explains Rob. “Some bring an intimate understanding of money because they work to support their family. Others haven’t had to worry about money. Understanding these differences is crucial to their growth - we value all their experiences in our discussions.”

Space Quest is a collaborative game where students learn about “need” vs “want;” they take an imaginary trip to space in a vessel with limited space and a tight budget, and have to choose what to bring on board based on their budget.

Rob’s students also benefit from MCEE’s resources and content. They participate in the MCEE-coordinated Stock Market Game and Personal Finance Challenge. Classes take field trips to Towson University’s T. Rowe Price Finance Lab, where Rob and an MCEE educator guide them in the practices that will help them in these challenges.

Rob is a noted resource for educators. This past June, he led a session at MCEE’s annual Educators Summit where he introduced some of his techniques and curriculum. He is the author of two books (The Simple StartUp and M is For Money) and manages a YouTube channel with resources and instructional videos for students and educators.

“The reality is that very few educators are trained personal finance teachers - and that’s okay,” says Rob. “There are so many great resources for teachers and students. MCEE provides helpful information and engaging activities. I encourage teachers to sign up for their newsletter, which reveals many resources. This can be a learning journey with your students. You don’t need to reinvent the wheel; there are already many great wheels you can use.”