This is a speaking lesson designed to enhance understanding and discussion of personal finance. It engages learners through quotes about money, vocabulary explanations, and collocations related to financial management. The lesson provides practical tips for managing money effectively, encourages self-reflection on financial habits, and offers problem-solving scenarios. It also reinforces the use of modal verbs like "should," "must," and "might" in the context of financial decisions.

Tasks:

• Read the quotes by famous people. This task asks learners to interpret and discuss quotes about money from well-known figures.

• Read the words below. Imagine you forgot them in English and your task is to explain the meaning to a stranger. This activity challenges learners to define financial terms in their own words.

• Read the collocations. This section introduces common word pairings related to money management.

• Read the tips and complete the gaps with the appropriate words from the previous slide. Learners fill in blanks within financial advice tips using previously learned vocabulary.

• Answer the questions. This task prompts discussion on the provided money management tips and personal financial habits.

• Continue the sentences with your ideas. Learners complete open-ended sentences to share their personal perspectives on money matters.

• Read each short problem below.Then say what these people should and shouldn't do. Try to use words from the lesson. This activity requires learners to provide advice for financial problems using "should" and "shouldn't".

• Read the rule below. Answer the questions using "must" and "mustn't". This task focuses on using "must" for obligations and "mustn't" for prohibitions in financial contexts.

• Work with a partner or in a small group. Read each situation below. For each situation, discuss what might happen or what a person might not do. This activity encourages discussion about potential outcomes in various financial scenarios using "might".

• Complete the questions with appropriate modal verbs. Then answer these questions using the vocabulary from the lesson. Learners complete questions with modal verbs and then answer them, applying lesson vocabulary.