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February2019
Volume57
Number1
Article#1IAW5
IdeasatWork
UsingAmericanIndianLegendstoTeachYouthsFinancial
Literacy:InnovativeApproachestoCulturalAdaptation
Abstract
Inthisarticle,wereportonpilotimplementationofafinancialeducationprogramforAmericanIndian(AI)
youths.OurpurposeistoshareourexperienceengagingAIyouthsinaculturallyrelevantexperiencein
whichtheylearnfinancialeducationconcepts.Specifically,weincorporatedOjibwelegendsintolesson
contenttoconnectOjibweculturetotheinformationbeingtaught.Wereportacombinationof
quantitativesurveydataandqualitativeobservationalnotesthatoverallsuggestevidenceofsuccess
regardingeffectivelyengagingAIyouthsinfinancialeducation.Ourapproachmaybeofparticularinterest
toExtensioneducatorsworkingwithyouthsfromculturallyunderservedaudiences.
Keywords:financialliteracy,AmericanIndianculture,Ojibweyouths,youthdevelopment,culturaladaptation
Introduction
Inthisarticle,wedescribethestrengthsbasedapproachweusedtodevelopandconductpilottesting
onaseriesoffinancialeducationlessonsforAmericanIndian(AI)youthstoaddressthelackof
financialmanagementexperiencesandlimitedopportunitiesavailabletothem(Anderson,Brantmeier,
Jorgensen,&Lounsberg,2010).WithfundingfromtheNationalInstituteofFoodandAgriculture
(NIFA),welaunchedFosteringAchievementandConnectionstoEngageStudents,a5yearafterschool
initiativeaimedatreducingeducationaldisparitiesforracial/ethnicminorityyouthsinunderserved
Minnesotacommunities.BecausetwooftheprogramsitesaresituatedonorneartheFondduLac
Reservation,wheremanyOjibwelive,wedevelopedfourfinanciallessonsintegratingOjibwelegends
andlanguagewithengagingactivities.Wethenpilottestedthelessonswithmiddleschoolyouthsfrom
FondduLacOjibweSchoolandCarltonMiddleSchoolinnorthernMinnesota.Inthisreport,wedescribe
ourapproachandourpilottestresults.
WestartedwiththefundamentalassumptionthatcontemporaryAIlifeisrootedinhistoricaltrauma,
definedas"thecumulativeemotionalandpsychologicalwoundingoverone'slifetimefromgenerationto
generationfollowinglossoflives,land,andvitalaspectsofculture"(BraveHeart,2004,p.7).Because
JenniferGarbow
AssociateExtension
Professor
Universityof
MinnesotaExtension
Crookston,Minnesota
jgarbow@umn.edu
RebeccaHagen
Jokela
ExtensionEducator
andExtension
Professor
Universityof
MinnesotaExtension
Cloquet,Minnesota
hagen022@umn.edu
JessieRudi
ResearchAssociate
Universityof
Minnesota
TwinCities,Minnesota
conne262@umn.edu
@JessieRudi
JoyceSerido
AssociateProfessor
Universityof
Minnesota
TwinCities,Minnesota
jserido@umn.edu
@jserido3
healingandresiliencyinresponsetohistoricaltraumaarefoundinspiritualityorconnectiontoculture
andlanguage(Walters,1999;Walters,Simoni,&EvansCampbell,2002),weadoptedastorytelling
frameworkasaplatformforourlessons.
TheOjibweCultureandFinancialEducation
Familyfinancialmanagementinvolvesculturalnuancesthatmustbeconsideredwheneducationis
developedanddelivered(Danes,Garbow,&Jokela,2016;Meraz,Petersen,Marczak,Brown,&
Rajasekar,2013).InOjibweculture,storytellingisavitalpartoftheorallearningtraditionthat
"expressesvaluesandbeliefs,whatitmeanstobehuman,ourneedtoknowwhythingsaretheway
theyare,andhowtoconductourselvesinagoodway"(IndianLandTenureFoundation,n.d.,"Teacher
Background,"para.1).Tohonorculturalconnectionsandengageyouths,wedesignedfinanciallessons
basedonOjibwestoriesandlegends.Ourapproachwasnottobringculturebacktothepeople,but
rathertosimplyandhumblyincorporateculturalaspectsintopracticalskillbuildingtoolsforAIyouths.
Methods
TwoExtensioneducatorstaughtthelessonsattheCloquetForestryCenter.Wedescribetheprocesswe
usedtodeveloptheculturallyrelevantfinanciallessonsinTable1andprovideanoverviewofthefour
lessonsinTable2.
Table1.
CulturalAdaptationProcess
Step Description
1.Brainstormideas.
Onthebasisofpreviousyoutheducatorexperienceandresearchonculturally
relevantprogramming,weusedlegendsasadeviceformeaningfullyengaging
youthsinfinancialeducation.
WecontactedaSupplementalNutritionAssistanceProgrameducatortolearn
Ojibwevocabularywordsforeachlesson.
2.Identifycorelessons.
Weselectedfourfinancialconceptsthatwerebothrelevanttoeverydaychoicesof
AIyouthsandcoveredinmostfinancialeducationprograms(Kabaci&Cude,
2015).
3.Searchforrelevant
legends. Wesearchedforlegendsrelatedtotheselectedfinancialconcepts.We
intentionallyconveyedandsharedimportantculturalcustoms(e.g.,Ojibwe
legendscanbetoldonlyifthereissnowontheground[Treuer,2010]).
4.Developlessons
basedonlegends. Wesearchedforinteractiveactivitiesdrawnfromexistingmaterials(e.g.,Bizkid$
lessons)fortheapplication/selfdiscoverypartsofthelessons.
5.Pilottestlessons
Wetaughtfourlessons(twoinfall2016,twoinspring2017).Lessonsweretaught
Ideas at Work
Using American Indian Legends to Teach Youth Financial Literacy
JOE 57(1)
©2019 Extension Journal Inc.
1
withyouths. approximatelyeveryothermonth.
Note.AI=AmericanIndian.
Table2.
OverviewofFinancialLessons
Lessonnumberandtitle Objective(s) Legend Activity
1:ValuesandGoals
Tolearntosetgoals
Tounderstandthatplanning
aheadisimportant
Whythe
Porcupine
HasQuills
Followupdiscussionusingflipchart/markers
2:NeedsandWants
Tolearnthedifference
betweenneedsandwants
Manabozho
andthe
Maple
Trees
WantsandNeedsCardSort—categorizationof
wantsandneedsthroughsortingitemswith
monetaryvalueintoeitherwantsorneeds(e.g.,
movies,medication)
3:DecisionMaking
Tounderstandeffective
decisionmakingprocesses
Tolearntheimportanceof
listeningtoelders
TheGiant
Pike
BizKid$BudgetingBasicsActivity#2—useofa
budgetmatrixtoprioritizewantsandneeds
(e.g.,urgent,noturgent)
4:BudgetsandSpending
Plans Toidentifytheimportanceof
familycommunicationand
workingtogetherfora
commongoal
TheThree
Sistersa
Budgetboardactivityusingbeansascurrency—
allocationofavailablecurrencyacrosscommon
householdexpenses(e.g.,food,shelter)
aWeusedalegendfromanothertribebecausetherewasnosnowonthegroundwhenthislessonwastaught.
Foreachlesson,thelegendwassharedorallyorreadindividually,andquestionswereaskedaboutthe
story.Financialactivitiesanddiscussionfollowedsharingofthelegend,allowingparticipantstomake
connectionsbetweenthelegendandtargetedfinancialconcepts.Forexample,Lesson3focusedonthe
importanceofknowinghowtomakegooduseofresources.WebeganwithreadingTheGiantPike
legendanddiscussedthemeaningofselectedOjibwewordsusedinthelegend.Theeducatorsengaged
theyouthsinadialogueaboutaccesstonaturalresources,suchasthroughfishing,thataddedtoAI
familyresources.Nexttheeducatorsledaninformationaldiscussion,explainingthatnaturalresources
(e.g.,fish,game,berries,wildrice,andmaplesyrup)areavailableonlyduringparticularseasons.
Educatorsthenledtheyouthsthroughareflectionontheresourcesavailableindifferentseasonsto
emphasizetheimportanceofplanningaheadandsavingnaturalresourcesforfutureuse.
Wecollectedquantitativesurveydatafromyouthsabouttheirfinancialchoicesbeforetheprogram
began(n=21,57%female,95%AI,averageage=13.3years)andagainattheendoftheprogram
Ideas at Work
Using American Indian Legends to Teach Youth Financial Literacy
JOE 57(1)
©2019 Extension Journal Inc.
2
(n=10,60%female,90%AI,averageage=13.9years).Smallsamplesizessuchasoursare
commoninsurveydatafromtheAIpopulation(Dewees&Mottola,2017).Inthesurvey(see
appendix),weaskedyouthstoindicatehowoftentheyperformedbasicfinancialbehaviorsona5point
scalerangingfrom1(never)to5(allthetime)(TakeChargeAmericaInstituteforConsumerFinancial
EducationandResearch,2012).
EvidenceofSuccess
Wereportonthreelevelsofevidencesupportingthis"ideaatwork."
Thesurveydatadidnotindicateachangeinthefrequencyofperformingpositivefinancialbehaviors
fromyouths'reportsbeforeandattheendoftheprogram.Thisisnotsurprisinggiventhesmall
samplesize.
However,theyouthsofferedcommentsexpressinghighlevelsofinterestinthelegendsandactivities.
Intwoseparatelessons,thelegendwasfamiliartotheyouths(e.g.,"Weknowthatstory,ourgrandma
talkedtousaboutthis").AftertheNeedsandWantslesson,oneyouthcommented,"Iwanttotryto
save!"Inaddition,educatorsnotedthatseveralyouthsknewmanyoftheOjibwewords.Thisfamiliarity
iswhatseemedtomostengageyouthsinthelearningactivity.
Finally,aNIFArepresentativeattendedonesessionandmadethefollowingqualitativeobservationsin
herwrittenreport:
Thesitevisitwasinspiringandeducational...Theafterschoolprogrambeganwithatraditional
OjibweSmudgingceremonywhichismeanttocleansetheenvironmentofnegativeinfluences.
TheOjibweElderconductedthetraditionalceremonyandspokeontheconnectionbetweenthe
Ojibwepeopleandnature...Afterintroductions,theExtensioneducatorsledstudentsthrough
anactivityusingatraditionalOjibwelegendofayoungboygoingswimmingagainsthis
grandmother'swishesandbeingeatenbyapike(fish)toframethediscussion.TheOjibwe
languagewasintertwinedthroughouttheconversations.Therewasalotoflaughterandyouth
wereclearlyengagedwiththeconversation...Ilearnedsomuchaboutthecultureand
languageoftheOjibweTribalcommunity.
ImplicationsforReachingUnderservedYouths
ByweavingAIcultureintoeachlessonthroughhistoricstoriesandOjibwelanguage,wedelivered
lessonsthatincludedrelevantanchorsforunderstandingresourceplanningandsaving.Theuseof
activelearningstrategiesmaintainedtheyouths'interestandincreasedactiveengagement.Our
approachprovedtobeafunandmeaningfulwaytocreatefinancialawarenessamongAIyouthsand
maybeofparticularinteresttoExtensioneducatorsworkingwithyouthsfromculturallyunderserved
audiences.
Acknowledgments
WeacknowledgefundingfromNIFAthroughtheChildren,Youth,andFamiliesatRiskprogram.Award
#20154152023815.Title:FosteringAchievementandConnectionstoEngageStudents.Program
director:JoyceSerido,PhD.
Ideas at Work
Using American Indian Legends to Teach Youth Financial Literacy
JOE 57(1)
©2019 Extension Journal Inc.
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References
Anderson,W.,Brantmeier,N.,Jorgensen,M.,&Lounsberg,A.(2010).FinancialeducationinSouth
Dakota'shighNativeenrollmentschools:Barriersandpossibilities.Longmont,CO:FirstNations
OweesatCorporation.
BraveHeart,M.Y.H.(2004).ThehistoricaltraumaresponseamongNativesanditsrelationshipto
substanceabuse:ALakotaillustration.InE.Nebelkopf&M.Phillips(Eds.),Healingandmentalhealth
forNativeAmericans(pp.7–18).Lanham,MD:AltaMiraPress.
Danes,S.,Garbow,J.,&Jokela,R.H.(2016).Financialmanagementandculture:TheAmericanIndian
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storytellingamongojibwe
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Ideas at Work
Using American Indian Legends to Teach Youth Financial Literacy
JOE 57(1)
©2019 Extension Journal Inc.
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Appendix
FinancialBehaviorsPre/PostSurveyforAmericanIndianYouths
HowoftendoI... Never Rarely Sometimes Often AlltheTime
Buysomethingwithoutthinkingaboutit 1 2 3 4 5
Payforthingswithcash 1 2 3 4 5
Putmoneyasideforabigpurchase(likeacaroreducation) 1 2 3 4 5
Savemoneyforemergencies 1 2 3 4 5
SaveupforsomethingIwantinayearortwo 1 2 3 4 5
Saveupformyeducationafterhighschool 1 2 3 4 5
ShoparoundforthebestdealbeforebuyingsomethingIwantorneed 1 2 3 4 5
SpendmoneyonthingsIdon'treallyneed(reversecoded) 1 2 3 4 5
Withoutpeeking,knowhowmuchmoneyIhaveinmywallet/purse 1 2 3 4 5
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Using American Indian Legends to Teach Youth Financial Literacy
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©2019 Extension Journal Inc.
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