The 5dV Methode

1. Paradigm shift (Vision + Value)

What happens pedagogically (all modules)

Learners are invited to reframe money from “topic” to “life tool”
The focus is on meaning, relevance, and agency, not information

Example (adapted per module theme)

Module 1: “Money is not the goal. It is the enabler of your dreams.”
Module 3 (Budgeting): “A budget is not restriction; it is freedom with intention.”
Module 7 (Risk & Investments): “Risk is not danger; it is uncertainty that can be managed.”

Typical rhetorical question

“What changes in your life if you stop reacting to money and start planning with it?”

OECD/INFE lens

Attitudes & values
Motivation to engage
Financial identity formation

2. Lesson structure (Vocabulary + Verification)

This is where financial capacity (skills) begins.

A. Vocabulary (across modules)

Introduce few, essential, reusable concepts
Always linked to real decisions, not definitions

Examples

Module 2: human capital, skills investment
Module 4: needs vs wants
Module 6: interest, total cost of credit
Module 9: fraud, red flags

Rule: If learners can’t explain it in their own words, it’s not yet competence.

B. Verification (formative, not assessment)

Learners check understanding through action, not tests.

Examples across modules

Sorting exercises (needs/wants, risks/opportunities)
Simulations (budgeting, investing, fraud detection)
Micro-decisions (“What would you do next?”)
Pair or group comparison of choices

Key principle
Verification = feedback for thinking, not grading.

3. Transfer, metacognition, and financial education (Valuation)

This is where knowledge becomes behaviour.

Across all modules, reflection answers:

What does this change in how I decide?
What would I do differently tomorrow?

Examples

Module 1: “What dream would I stop postponing?”
Module 5: “What hour of my day is currently wasted financially?”
Module 8: “What habit would protect my future self?”
Module 10: “When would I speak up as a consumer?”

OECD/INFE pillar activated:

Financial capacity → emerging financial culture

https://gamma.app/docs/The-5dV-Modelpdf-nknd4wncor09kz0

This structure applies to every module, only the content changes.

55% – Experiential / applied

Simulations
Case studies
Role-play
Decision trees
Games

Learners DO before they fully understand.

35% – Reflection & meaning-making

Guided questions
Group debrief
Comparison of strategies
Emotional awareness

Learning is consolidated socially and cognitively.

10% – Theory

Definitions
Models
Frameworks
Vocabulary clarification

Theory explains experience, not the other way around.

This balance enhances engagement and motivation by combining practice with purpose.

Kolb Experiential Learning Cycle

(embedded in each module)

Kolb Stage / What it looks like in financial education

Concrete experience / Budget simulation, investment game, fraud scenario
Reflective observation / “What happened? How did I feel?”
Abstract conceptualization / Naming concepts: risk, priorities, opportunity cost
Active experimentation / Applying a new rule or strategy to real life

Why it works

Security (clear structure)
Challenge (realistic dilemmas)
Meaning (personal relevance)

Below is a generic example that adapts to any module...

Create

Design something new
Propose a strategy, rule, or plan

Example
“Create a personal financial rule you would teach someone younger.”

Evaluate

Judge decisions using criteria (values, goals, risk)

Example
“Which option aligns better with your long-term goals? Why?”

Analyze

Compare options
Identify patterns or trade-offs

Example
“Which choice creates short-term comfort but long-term risk?”

Apply

Use a tool or model in a realistic task

Example
“Build a simple budget / plan / decision path.”

Remember / Understand

Define key terms
Explain concepts in own words

Example
“Explain what ‘needs vs wants’ means using an example from your life.”

applied across modules

Reflection connects all Bloom levels and prevents learning from staying abstract.

What this achieves (strategically)

Across all 11 modules, this approach

Builds financial competence (knowledge + thinking)
Develops financial capacity (skills + confidence)
Seeds financial culture (shared norms & behaviours)

And most importantly

Learners stop asking “What is the right answer?” and start asking “What is the right decision for me?”

Good luck with your teaching!

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