Every pathway through Banqer is different. We've made it very flexible enough so that you can make it relevant to your unique classroom situation. This freedom is great but it does make it difficult in advising teachers how best to progress through Banqer.

The first thing to consider is the age of your students. Banqer is used by students as young as six years old, but chances are they're not learning about progressive tax systems or minimum deposits. At this age Banqer is really only suitable as a classroom currency. As students get older, it will be appropriate for them to engage with the more advanced modules in Banqer.

The way we present the modules in the left-hand sidebar within Banqer should provide some kind of indication as to which order to enable the modules in. Once your students have a grasp on making payments then you're ready to explore the modules. I wouldn't enable my first module until having spent at least a week on the basics of Banqer. The resource hub has some great resources to get you started.

The first modules to look into enabling should be the Banking ones. These act as a bit of a classroom set-up before your students start all the earning and spending. Through the Lending & Debt module you decide now how to handle students whose balances go into negatives. And through the Interest on savings module you can incentivise saving to take place. I typically enable these both at once and talk to my students about what fair interest and overdraft rates are.

Following on from that we quickly enable the Income modules. I start with just a Basic income for two weeks before progressing onto the Careers and employment module where students can apply for specific jobs around the classroom.

After they have been earning for a few weeks we look into Superannuation (also known as KiwiSaver in New Zealand, and Workplace Pensions in the UK). It's important to enable this module near the start of the year so that students have a decent pool of retirement money come the end of the year. This is usually the last thing I enable during the first term of the school year.

At the start of the second term I introduce taxes through the Taxation module. At this time students get a bit of a wake up call as things have been pretty easy in Banqer until now. Taxation would be the last thing I enable in the second term, as we would focus on growing our economy in other ways (market days, starting businesses etc).

In term three I introduce the Real Estate module. This is because students now have around about the right amount of money to put down a deposit on their first property. From the students who have been frivolous all year and don't have much in their savings account, you will see a big transformation. I usually wait a week or two before enabling the Insurance module too, which will allow your to trigger natural disasters that affect your student's properties.

Throughout the year I'm always revisiting the modules I've already enabled. For example I'll increase the interest rates on savings in order to encourage saving just before I enable the Real Estate module. At the end of the year I trigger retirement for my students which let's them access their superannuation funds.

It sounds like a lot to take in, but stretched out over the school year it's not so daunting. If you follow my same general rollout it should be a pretty smooth year. If you want some personalised advice based on your classroom environment feel free to get in touch with me or another member of the Banqer team.

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