Spending habits, saving strategies, side hustles. Always debate-worthy.
A1 Level – Elementary
1. Do you save money?
2. What is a high price?
3. Do you like shopping?
4. What is a long job?
5. Do you worry about spending?
6. What is a small salary?
7. Do you think money is very important?
8. What is a rich person?
9. Do you like paying with cash?
10. What is a simple budget?
11. Do you spend on food or fun?
12. What is a big debt?
13. Do you think more money brings more happiness?
14. What are three things you buy often?
15. Do you think learning about money is hard?
A2 Level – Pre-Intermediate
1. What is the difference between saving and investing money?
2. Why is having an emergency fund important?
3. What are the good things and bad things about using a credit card?
4. How can a student manage money better?
5. Should all schools teach personal finance?
6. Why is it important to know where your money goes?
7. Do you think people talk about money enough?
8. What is the purpose of setting financial goals?
9. How does advertising affect the desire to spend?
10. What is the difference between a need and a luxury?
11. Do you think people who earn a lot of money work harder?
12. What are the problems when people borrow too much money?
13. When is the best time to start saving for retirement?
14. What are two differences between good debt and bad debt?
15. How does the lack of money affect a person’s stress levels?
B1 Level – Intermediate
1. What are the simple ways to politely ask a friend to split a bill fairly?
2. How does the national interest rate affect personal debt?
3. Should the government provide free financial counseling for young adults?
4. What is the difference between budgeting and tracking expenses?
5. Do you believe that financial freedom is more important than a high salary?
6. What are the challenges of resisting impulsive purchases?
7. How does focusing on instant pleasure affect long-term savings?
8. What is the idea of “passive income”?
9. Is it fair when some jobs pay much more than others?
10. How does a lack of clarity on bills lead to overspending?
11. What are the basic steps for creating a simple monthly budget?
12. What is the value of teaching children about saving money early?
13. Should the news talk more about honest financial tips?
14. What are the simple reasons why some people believe all debt is bad?
15. How does the history of banking affect modern money management?
B2 Level – Upper-Intermediate
1. What are the simple social problems caused by financial inequality?
2. What are the ethical issues when companies use high-interest loans?
3. How does constant social media showing of wealth affect follower ambition?
4. Should companies be legally required to provide equal pay for equal work?
5. How does the feeling of financial security affect a person’s life choices?
6. Who is responsible for educating the public on avoiding financial scams?
7. What is your simple view on the practice of constantly borrowing from friends?
8. What is the role of large banks in controlling the national economy?
9. How does the problem of inflation affect personal savings?
10. What are the clear problems with having a high national debt?
11. What are the legal differences between a loan and a gift of money?
12. Do you think the main purpose of money is to exchange goods?
13. What steps can community groups take to promote financial literacy?
14. How does the lack of clear financial planning affect a person’s future?
15. What are the simple psychological effects of having a large amount of savings?
C1 Level – Advanced
1. Is it fair that the most financially unstable people often pay the highest interest rates?
2. What is the moral duty of a society to address wealth gaps?
3. How do global trade agreements affect the value of local currency?
4. When should the government consider mandatory basic income for all citizens?
5. What are the simple ethical problems of inheriting massive wealth?
6. How does focusing on quick financial profit affect the need for ethical investment?
7. Discuss the effects of long-term debt on mental health and family stability.
8. How should leaders use tax policy to promote fair wealth distribution?
9. What is the idea of “financial inclusion”?
10. What are the long-term social effects when a whole generation is deeply in debt?
11. What are the clear difficulties when courts try to decide if a debt is predatory?
12. How does the desire for personal wealth affect the need for public contribution?
13. Do you think the most important thing is the equal opportunity to earn money?
14. What are the simple moral rules a person should follow when dealing with debt?
15. Should the government set a clear maximum difference between the lowest and highest salary?
C2 Level – Proficiency
1. What is the true difference between money as a tool and money as a source of power?
2. Should we eliminate the system that allows for massive individual wealth?
3. How does the idea of work change when money is guaranteed?
4. What laws are needed to prevent major corporate disregard for financial fairness?
5. How do historical views of charity, usury, and wealth affect modern capitalism?
6. How can a society ensure that empathy is shown to people struggling with debt?
7. Do you think a purely cashless society would fix financial crime?
8. What simple rules should guide people when making major investment choices?
9. How can we stop people from using personal wealth as an excuse for greed?
10. What did old thinkers say about wealth, virtue, and a just economic system?
11. What will happen to the need for human jobs if AI manages all financial markets?
12. How do people use the idea of “it’s just business” to avoid ethical discussion?
13. How does the experience of a major financial crisis change a person’s risk tolerance?
14. What is the power of a group to demand a total reform of the banking system?
15. If scientists could create a perfect, stable, global currency, what would happen?
