# Vocabulary 02: Me, My Goals, My Money

Unit 2, Individual Growth and Life Readiness. The unit's 54 Tier 3 words across the five topics, with a one-line definition written for a grade 6 to 7 reader and columns for Turkish, Portuguese, and Spanish.

**Translation status: [check with a native speaker].** The Turkish, Portuguese, and Spanish columns are my best working translations and have not been verified by a native speaker. Use them for word banks and picture cards; have a native speaker, a bilingual colleague, or the ENL teacher check the whole table once before it is printed for students. Money words are the ones most likely to differ by country (a "check," a "debit card," and "buy now pay later" have different everyday names in Turkey, Brazil, Portugal, and the Spanish-speaking countries), so the English term stays on every card, because students will see the English word on a real pay stub, a real statement, and a real app.

Two words appear twice on purpose. "Interest" means what you like (Topic 2.1) and what money earns or costs (Topic 2.3); the translations are different words. "Return" here is the money word, not the verb.

How lessons use this file: each lesson names its own Tier 3 words; the handout for that lesson carries a word bank pulled from this table in the three languages. The site's Materials page prints this table as picture-ready cards.

## The table [check with a native speaker]

| # | Topic | English term | Student definition | Turkish | Portuguese | Spanish |
|---|---|---|---|---|---|---|
| 1 | 2.1 | value | Something that matters to you so much that it guides your choices, like honesty or family. | değer | valor | valor |
| 2 | 2.1 | strength | Something you are good at, that you can show with an example. | güçlü yön | ponto forte | fortaleza (punto fuerte) |
| 3 | 2.1 | interest (what I like) | Something you like doing or learning about, whether or not you are good at it yet. | ilgi alanı | interesse | interés |
| 4 | 2.1 | trait | A part of your personality that shows up most of the time, like curious, careful, or outgoing. | kişilik özelliği | traço de personalidade | rasgo |
| 5 | 2.2 | SMART goal | A goal that is Specific, Measurable, Achievable, Relevant, and Time-bound. It says what, how much, and by when. | SMART hedef (akıllı hedef) | meta SMART | meta SMART |
| 6 | 2.2 | stretch goal | A goal that is bigger than you are sure you can reach. You aim for it knowing you might land short. | zorlayıcı hedef | meta ambiciosa | meta ambiciosa |
| 7 | 2.2 | decision | A choice you make between two or more options. | karar | decisão | decisión |
| 8 | 2.2 | option | One of the things you could choose. | seçenek | opção | opción |
| 9 | 2.2 | consequence | What happens because of a choice, good or bad. | sonuç | consequência | consecuencia |
| 10 | 2.2 | resource | Something you can use to reach a goal: time, energy, money, people, or things. | kaynak | recurso | recurso |
| 11 | 2.3 | budget | A plan for your money: what comes in, what goes out, and what you keep. | bütçe | orçamento | presupuesto |
| 12 | 2.3 | income | Money that comes in to you, from a job, an allowance, a gift, or a side hustle. | gelir | renda | ingresos |
| 13 | 2.3 | expense | Money that goes out. Anything you pay for. | gider (harcama) | despesa | gasto |
| 14 | 2.3 | fixed expense | An expense that is the same amount every time, like rent or a phone plan. | sabit gider | despesa fixa | gasto fijo |
| 15 | 2.3 | variable expense | An expense that changes from month to month, like food, gas, or clothes. | değişken gider | despesa variável | gasto variable |
| 16 | 2.3 | need | Something you must have to live and be safe: food, a place to live, clothes, medicine. | ihtiyaç | necessidade | necesidad |
| 17 | 2.3 | want | Something you would like to have but could live without. | istek | desejo | deseo |
| 18 | 2.3 | gross pay | The total you earned before anything is taken out. | brüt maaş | salário bruto | salario bruto |
| 19 | 2.3 | net pay | What you actually take home after deductions. The number on the check. | net maaş | salário líquido | salario neto |
| 20 | 2.3 | deduction | Money taken out of your pay before you get it, for taxes, Social Security, Medicare, or insurance. | kesinti | desconto (dedução) | deducción |
| 21 | 2.3 | tax | Money the government takes from pay and purchases to pay for roads, schools, and services. | vergi | imposto | impuesto |
| 22 | 2.3 | wage | Pay by the hour. Work more hours, earn more. | saatlik ücret | salário por hora | salario por hora |
| 23 | 2.3 | salary | A set amount of pay for the year, split into paychecks, no matter how many hours you work. | maaş | salário | sueldo |
| 24 | 2.3 | check | A paper form that tells your bank to pay someone from your account. You write the amount and sign it. | çek | cheque | cheque |
| 25 | 2.3 | debit | Paying with money you already have in your bank account, usually with a card. | banka kartı ile ödeme (debit) | débito | débito |
| 26 | 2.3 | credit | Borrowing money to pay now and paying it back later, usually with interest. | kredi | crédito | crédito |
| 27 | 2.3 | interest (money) | The cost of borrowing money, or the money a bank pays you for keeping your savings there. A percent. | faiz | juros | interés |
| 28 | 2.3 | loan | Money you borrow and agree to pay back over time, with interest. | kredi (borç) | empréstimo | préstamo |
| 29 | 2.3 | principal | The amount you borrowed or saved before any interest is added. | anapara | valor principal (capital) | capital (principal) |
| 30 | 2.3 | minimum payment | The smallest amount a credit card lets you pay each month. Paying only that keeps you in debt longer. | asgari ödeme | pagamento mínimo | pago mínimo |
| 31 | 2.3 | credit score | A number that tells lenders how well you have paid back money before. Higher is better. | kredi puanı (kredi notu) | pontuação de crédito | puntaje de crédito |
| 32 | 2.3 | savings | Money you keep and do not spend, set aside for later. | birikim (tasarruf) | poupança | ahorros |
| 33 | 2.3 | emergency fund | Savings you only touch when something goes wrong, like a car repair or a lost job. | acil durum fonu | fundo de emergência | fondo de emergencia |
| 34 | 2.3 | compound growth | When your savings earn interest, and then the interest earns interest too. It grows faster every year. | bileşik büyüme (bileşik faiz) | crescimento composto (juros compostos) | crecimiento compuesto (interés compuesto) |
| 35 | 2.3 | fee | A charge for a service, like a fee for using another bank's ATM or for a late payment. | ücret (işlem ücreti) | taxa | cargo (comisión por servicio) |
| 36 | 2.3 | commission | Money someone earns for making a sale or a trade, usually a percent of the amount. | komisyon | comissão | comisión |
| 37 | 2.4 | invest | To put money into something, like a stock or a fund, hoping it grows over time. | yatırım yapmak | investir | invertir |
| 38 | 2.4 | risk | The chance that you lose some or all of the money you put in. | risk | risco | riesgo |
| 39 | 2.4 | reward | What you can gain if the risk works out. More risk usually means the chance of more reward and more loss. | getiri (ödül) | recompensa | recompensa |
| 40 | 2.4 | diversify | To spread your money across different kinds of investments so one bad one cannot sink you. | çeşitlendirmek | diversificar | diversificar |
| 41 | 2.4 | portfolio | Everything you own as an investor, all together. | portföy | carteira de investimentos | cartera (portafolio) |
| 42 | 2.4 | dividend | A share of a company's profit paid to the people who own its stock. | temettü (kâr payı) | dividendo | dividendo |
| 43 | 2.4 | return (money) | How much your investment gained or lost, usually as a percent of what you started with. | getiri | retorno (rendimento) | rendimiento (retorno) |
| 44 | 2.5 | career cluster | A group of careers that share skills and interests. There are 16 national clusters. | kariyer kümesi | grupo de carreiras | grupo de carreras |
| 45 | 2.5 | employability | The habits that get you hired and keep you hired: on time, prepared, listens, follows through, works with others. | istihdam edilebilirlik | empregabilidade | empleabilidad |
| 46 | 2.5 | apprenticeship | A paid job where you learn a trade from an expert while you work, instead of paying for school. | çıraklık | aprendizagem profissional | aprendizaje (formación de aprendiz) |
| 47 | 2.5 | certificate | Proof that you finished a short training program for one skill or job, shorter than a degree. | sertifika | certificado | certificado |
| 48 | 2.2 | delayed gratification | Waiting for something better later instead of taking something smaller now. | hazzı erteleme | gratificação adiada | gratificación aplazada |
| 49 | 2.3 | APR | Annual Percentage Rate. The interest rate for one year, printed on every credit card and loan offer. | yıllık faiz oranı (APR) | taxa de juros anual (APR) | tasa de interés anual (APR) |
| 50 | 2.3 | overdraft | Spending more than is in your checking account. The bank covers it and charges a fee. | hesabı aşma (ek hesap ücreti) | saque a descoberto (cheque especial) | sobregiro |
| 51 | 2.3 | prepaid card | A card you load money onto first. You can only spend what you loaded. | ön ödemeli kart | cartão pré-pago | tarjeta prepagada |
| 52 | 2.4 | dispatch | On ClassroomStreet, a news report that can move prices. Read it before you trade. | haber bülteni (dispatch) | notícia (despacho) | noticia (despacho) |
| 53 | 2.5 | associate degree | A two-year college degree. | ön lisans diploması (iki yıllık) | diploma de curso superior de dois anos (tecnólogo) | título de dos años (grado asociado) |
| 54 | 2.5 | bachelor's degree | A four-year college degree. | lisans diploması (dört yıllık) | bacharelado (quatro anos) | licenciatura (título de cuatro años) |

## Sentence starters

Print these on the back of the Investor Journal, the All About Me planner, and the share and feedback sheet. [Sal: swap in the Turkish and Portuguese starters from your Brentwood Fortune Street run if they read better than these.] [check with a native speaker]

### For the Investor Journal

| English | Turkish | Portuguese | Spanish |
|---|---|---|---|
| Today I bought / sold / held ___ because ___. | Bugün ___ aldım / sattım / tuttum çünkü ___. | Hoje eu comprei / vendi / mantive ___ porque ___. | Hoy compré / vendí / mantuve ___ porque ___. |
| The news said ___, so I think the price will go ___. | Haberlerde ___ dendi, bu yüzden fiyatın ___ gideceğini düşünüyorum. | A notícia disse ___, então acho que o preço vai ___. | La noticia dijo ___, así que creo que el precio va a ___. |
| My portfolio went up / down by ___ percent. | Portföyüm yüzde ___ yükseldi / düştü. | Minha carteira subiu / caiu ___ por cento. | Mi cartera subió / bajó un ___ por ciento. |
| I did not panic because ___. / I panicked when ___. | Panik yapmadım çünkü ___. / ___ olduğunda panik yaptım. | Não entrei em pânico porque ___. / Entrei em pânico quando ___. | No entré en pánico porque ___. / Entré en pánico cuando ___. |
| Next time I will ___. | Bir dahaki sefere ___ yapacağım. | Da próxima vez, vou ___. | La próxima vez voy a ___. |

### For the All About Me share

| English | Turkish | Portuguese | Spanish |
|---|---|---|---|
| One thing I value is ___. | Değer verdiğim bir şey ___. | Uma coisa que eu valorizo é ___. | Algo que valoro es ___. |
| My strength is ___. I showed it when ___. | Güçlü yönüm ___. Bunu ___ zaman gösterdim. | Meu ponto forte é ___. Eu mostrei isso quando ___. | Mi fortaleza es ___. La mostré cuando ___. |
| I am interested in ___ because ___. | ___ ile ilgileniyorum çünkü ___. | Eu me interesso por ___ porque ___. | Me interesa ___ porque ___. |
| A goal I have is ___. | Bir hedefim ___. | Uma meta que eu tenho é ___. | Una meta que tengo es ___. |
| My top three letters are ___, and a career that fits is ___. | İlk üç harfim ___, ve buna uyan bir meslek ___. | Minhas três letras principais são ___, e uma carreira que combina é ___. | Mis tres letras principales son ___, y una carrera que encaja es ___. |

### For giving feedback

| English | Turkish | Portuguese | Spanish |
|---|---|---|---|
| I liked ___ because ___. | ___ hoşuma gitti çünkü ___. | Gostei de ___ porque ___. | Me gustó ___ porque ___. |
| Next time, try ___. | Bir dahaki sefere ___ dene. | Da próxima vez, tente ___. | La próxima vez, prueba ___. |
| Your math is right. / I think there is a mistake in ___. | Hesabın doğru. / Bence ___ kısmında bir hata var. | A sua conta está certa. / Acho que há um erro em ___. | Tu cuenta está bien. / Creo que hay un error en ___. |
| One question I have is ___. | Bir sorum var: ___. | Uma pergunta que eu tenho é ___. | Una pregunta que tengo es ___. |
| That reminds me of ___. | Bu bana ___ hatırlattı. | Isso me lembra ___. | Eso me recuerda ___. |