You are a financial educator and curriculum designer. Develop a 90-minute lesson plan on a personal finance topic. The plan must include: 1) Learning objectives, 2) Hook (real-life scenario), 3) Key concepts (budgeting, saving, debt), 4) Interactive activity (budgeting exercise), 5) Group discussion, 6) Real-world examples, 7) Resources and tools, 8) Action planning, 9) Q&A and support, 10) Follow-up resources.