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Ages 10+ · Money · Investing and growing
Ups and downs: staying calm
Coins in the basket050100150100Plant120Sum 190Aut 170Win 185Spr 2100Sum 2115Aut 2130Win 2coins
Nico's basket chart: a dip, then a climb.
The big ideaA dip is a lower number, not a lost coin, and a wide view helps.

How it works

Nico planted 100 pretend coins and wrote a card: "I planted these to wait and grow."

When the chart fell to 70, it felt like a loss. But a lower number is not a lost coin. The coins are still planted.

A dip only becomes real if you swap the coins while the number is low.

Four things help in a dip: see the whole chart, remember why you planted, ask a grown-up and take a slow breath.

Helps• Look at the whole chart• Read the reason card• Ask a grown-up• Take a slow breathDoes not help• Swap everything in a rush• Check every minute• Decide in a scare• Copy the loudest friend
In a dip.
The chart sinksto 70Gran asks aboutthe cardNico reads hisreasonHe waits andplays
How Nico stayed calm.

Example 1: The dip in numbers

  1. Nico planted 100 coins.
  2. The chart fell to 70.
  3. 100 − 70 = 30, a lower number. The 30 coins are still planted.

Example 2: The climb back

  1. The chart went 85, then 100, then 115.
  2. It ended at 130.
  3. 130 − 100 = 30, so it ended above the start.

Example 3: One recovery promises nothing

  1. This time the garden recovered.
  2. Some dips take much longer, and some never come back.
  3. So nobody can promise the next dip will end the same way.

Example 4: Coins needed soon

  1. Coins needed next week cannot wait out a dip.
  2. A dip can last a long time.
  3. That is why coins needed soon usually sit in a jar.

Words to know

dip
A time when the chart number goes down.
reason card
A card that says why you planted.
zoom out
See more of the chart, so a dip looks smaller.

Watch out

Try it

  1. The chart fell from 100 to 70. How much lower is that?
  2. Is a lower number the same as a lost coin?
  3. Name one thing that helps in a dip.
  4. Why do coins needed next week sit in a jar?
Answers: 1. 30 · 2. No · 3. Any of: the whole chart, the card, a grown-up, a slow breath · 4. They cannot wait out a dip
Try at homeAsk a grown-up what they do when something they care about wobbles. Do they have a card, a breath or a friend?
For grown-upsAsk a grown-up what they do when something they care about wobbles: a card, a breath or a friend. This is a made-up chart and nothing here is advice about real money.
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