Pre-work – The Basics of Financial Literacy and Banking – the pre-work is a written lesson designed to bring participants up to speed so that everyone begins the course with a basic level of understanding. The pre-work has 16 learning objectives and a 17-question knowledge assessment covering a wide variety of banking and financial literacy fundamentals.

Lesson I – Intro to Financial Edutainment

Song: I Love This Stuff
Music: a song to introduce some of the topics that will be covered in the album.

Lesson II – Behavioral Edutainment

Song: Mr. Bad Debt
Music: a song on the dangers of bad debt and how to avoid bad debt.
Written: a section with 12 learning objectives and a 14-question knowledge assessment that covers credit and how it works. This section provides details about: interest, interest rates, carrying a balance, payback periods and much more.

Song: A Spending Plan is Necessary
Music: a song on the benefits of using a personal budget.
Written: a section with 9 learning objectives and a 14-question knowledge assessment that provides a spending plan example, covers how to create spending plans and discusses how spending plans help people achieve their financial goals.

Song: Are They Ripping You Off
Music: a song about the expenses of non-traditional financial services.
Written: a section with 8 learning objectives and an 11-question knowledge assessment that covers the disadvantages of using check cashing outlets, payday lenders, and rent-to-own establishments.

Song: Too Good to Be True
Music: a song about being a more informed consumer in order to avoid scams.
Written: a section with 8 learning objectives and a 10-question knowledge assessment that covers Ponzi schemes, pyramid schemes, common advertising gimmicks, high-pressure sales tactics and the odds of winning the lottery.

Lesson III – Investment Edutainment

Song: Yearning for Earnings
Music: a song about when to consider buying stocks.
Written: a section with 14 learning objectives and a 16-question knowledge assessment that covers several key terms from the song; the section also provides more detail on different types of corporate earnings and how they are calculated.

Song: Never Fall in Love with a Stock
Music: a song about when to consider selling stocks.
Written: a section with 12 learning objectives and a 13-question knowledge assessment that covers several key terms from the song. The section also talks about the basics of market trends and the importance of having a sell strategy.

Song: Dollar Cost Average with a Mutual Fund
Music: a song about mutual fund options.
Written: a section with 9 learning objectives and a 10-question knowledge assessment that covers the basics of mutual funds, dollar-cost-averaging, the prospectus and the importance of using it before investing.

Lesson IV – Education Edutainment

Song: Ignorance Costs More
Music: a song about investing in a higher education.
Written: a section with 10 learning objectives and an 18-question knowledge assessment that covers the high costs associated with being uneducated and undereducated and how different levels of education impact median earnings.

Lesson V – Retirement Edutainment

Song: Get it Together
Music: a song about planning for the future.
Written: a section with 10 learning objectives and an 18-question knowledge assessment explaining the basics of a wide variety of retirement plan options and the importance of planning for the future as early as possible.

Lesson VI – Home Ownership Edutainment

Song: Plan to Buy a House
Music: a song about purchasing your first home.
Written: a section with 11 learning objectives and a 15-question knowledge assessment that covers the process of purchasing your first home. It includes the process of establishing and building good credit and common mistakes to avoid.

Lesson VII – Tax Edutainment

Song: Tactics to Taxes
Music: a song about taxes and tax planning.
Written: a section with 11 learning objectives and an 18-question knowledge assessment that explains the purpose of various taxes and why they are collected. The section ends with common strategies on reducing taxes.

Lesson VIII – Insurance Edutainment

Song: Life Insurance a Heck of a Creature
Music: a song about life insurance options.
Written: a section with 17 learning objectives and a 27-question knowledge assessment that covers the purpose of life insurance and the basics of various life insurance options.

Song: Health Insurance, You Need It
Music: a song about the importance of health insurance.
Written: a section with 13 learning objectives and an 18-question knowledge assessment that covers the purpose of health insurance and the basics of various health insurance options.

Addendum: Property and Liability Insurance
Music: (there is no song for this topic).
Written: a section with 15 learning objectives and a 16-question knowledge assessment that covers the purpose of property and liability insurance and the basics of various property and liability insurance options.

Lesson IX – Estate Edutainment

Song: Here Today, Gone Tomorrow
Music: a song about the importance of estate planning.
Written: a section with 11 learning objectives and a 13-question knowledge assessment that covers the basics of estate planning. The section provides details on the basics of wills, trusts, and the probate process.

Lesson X – Perspective Edutainment

Song: Worth More Than the Dollar
Music: a song about keeping everything in perspective.
Written: a section that discusses themes from the song.


Financial Literacy Music is the manifestation of what happens when GREAT iDEAS merge with great talent. Johnny Deas isn’t just a speaker, author and award winning writer who completed the certified financial planner training course. Nor is he just an MBA who graduated from one of the top business schools in the country. Prior to any of the credentials or accolades, Johnny was simply a lyricist from the inner-city. He now has over 20 years of experience writing various genres of music; his creativity and flair are on full display throughout the financial literacy course.

Kristopher Cho Flagg, affectionately referred to as Cho, is a precocious, multi-talented producer in his own right. Cho has an unmatched track-record of developing high-quality music for both corporate and individual clients. He and his partners have successfully operated an independent production company since 2006. When Johnny and Cho began collaborating, their chemistry was both instantaneous and undeniable.

Together they fashioned a musical work of art comparable to, if not better than any hip-hop music available on the market today. Every song is laced with soulful, heartfelt, and education-filled lyrics that are so well crafted that one could easily forget they are learning the basics of personal finance. The vocals are a tight arrangement of lessons expressed with impeccable timing. The instrumentals provide a mellifluous, hypnotic assortment of creative beats, keys, strings, pitches and tones; all composed by one of the most gifted producers in the country.

While, the primary goal of Financial Literacy Music is to educate on matters of personal finance, the music was also designed be hot. Johnny’s objective was to make the music hip enough to be played purely for entertainment purposes. He figured if he could succeed at that, listeners would have no choice but to learn the information.

The music covers the major areas of personal finance: budgeting, debt management, establishing and building a strong credit history, the benefits of investing in an education, home ownership, investment planning, tax planning, insurance planning, retirement planning, estate planning, and much more. There are a total of 32 instructive tracks, 16 studio-quality songs with 16 separate discussion tracks all set to music. Two additional bonus tracks are offered free of charge at FinancialLiteracyMusic.Com.

In creating Financial Literacy Music, GREAT iDEAS EDUTAINMENT has undertaken the most far-reaching project of its kind. Never before has such in-depth research been conducted to find a creative and relevant way to reach and teach individuals the basics of personal finance. The music turns learning into an edu-taining experience and participants actually enjoy the process. More importantly, every effort has been made to ensure that the course inspires participants to practice what they have learned. With Knowledge Through Music our goal is to positively influence the world’s economy by positively influencing millions of individuals.