Microsoft Word Ed Horwitz Post Dissertation Fina docx

 Overview of Financial Education Program 
The financial education program used for this study was comprised of ten-modules, 
delivered weekly. Each module was designed for one hour of classroom interaction, plus an 
additional 30 to 60 minutes of homework assignments. The weekly assignments included 
readings related to the weekly financial topic, completing personal finance planning exercises, 
and the consideration of personal financial reflection questions.  
The facilitation of program materials within the classroom encouraged participants to 
consider, explore, and reconsider their thoughts and beliefs on the weekly financial topics. The 
facilitation and delivery of program components were designed to incorporate and represent the 
constructivist view of adult learning theory. As a result, the participants were enabled to acquire 
knowledge and gain new understanding through class dialogue and critical thought. An 
important element was the classroom setting, which provided a consistent and controlled 
environment for the program delivery.   
The topics for each of the program modules included: budgeting basics, understanding 
personal net worth, managing debt, savings, investing, understanding basic financial numeracy, 

---

 
68 
Medicare and Social Security, retirement planning, personal insurance risk management, estate 
planning, money scripts and financial relationships. The financial education program utilized in 
this research is considered comprehensive in nature due to both the length and breadth of the 
content covered (Huston, 2010; Black et al., 2002).