Students will be able to:

Discuss the basic elements of the stock market
Explain upward and downward trends (bear vs. bull) in the stock market
Analyze several firms’ performance in the S&P 500 over various periods of time

Students will be able to:

Compare the difference between stocks and bonds
Evaluate when it would be beneficial to invest in stocks and bonds
Decide how much someone should invest in stocks and bonds based on personal goals and risk tolerance

Students will be able to
- Understand the rising national trends in student debt
- Compare federal and private loans and explain what it means to take out each type of loan
- Identify various strategies they can use to be a responsible borrower
- Analyze three student profiles to determine the best course of action to take for their student loans

Estimated Lesson Time: 140 Minutes

Students will be able to:
-Make informed decisions about how much student loan debt to take on, based on college costs and projected salary upon graduation
-Explain the difference between private and Federal loans, and the various types of Federal loans, and when to use each
-Select the best repayment option to minimize total amount paid while also keeping monthly payments reasonable within a budget
-Learn strategies for avoiding default, including whether consolidation is an appropriate option

Students will be able to:
- Explain where income taxes are collected from and how they provide revenue for public expenses
- Describe how the progressive tax code, current tax brackets, and different taxes between states lead to individuals paying varying amounts of taxes

Estimated Lesson Time: 120 Minutes

Students will be able to:
-Explain the fundamental features of a personal loan, including where to find one and how to apply
-Explore the peer-to-peer lending market as an alternative to traditional banks
-Understand the potential pitfalls of borrowing from family and friends, a personal 401(k), or a payday lender

ANSWER KEY LINKS: Create a Next Gen Personal Finance (NGPF) account to access answer keys. They will be listed under the Full Year Curriculum tab.

Learning Objectives
Students will be able to
Explain what a bond is and the pros and cons of investing in bonds
Understand the various factors that can influence bond prices such as interest rates
Identify the difference between an individual bond and a bond fund
Read a bond fund fact sheet

Approximate Time
Lesson length: 90 mins

Learning Objectives
Students will be able to
Describe what stocks are, how you can earn profit from stocks, and the risks of investing.
Summarize long-term trends in the stock market
Analyze the performance of individual stocks over time
Consider how personal values may influence investing decisions

Approximate Time
Lesson length: 130 mins

In this 60-minute lesson, students will be able to:
- Analyze monthly household expenses
- Explain the benefits of using a budget
- Create a sample budget

Students will be able to
- Understand what makes a strong business idea
- Brainstorm your own business ideas
- Identify characteristics of successful entrepreneurs

Learning Objectives
Students will be able to
Discuss best practices how to prepare for the psychological elements of investing
Determine your investor profile based on time horizon and risk tolerance
Discuss specific investing strategies
Understand what a brokerage account is and how to open one
Demonstrate your understanding of investing strategies by creating a simulated portfolio

Approximate Time
Lesson length: 175 mins

Students will be able to:

Explain the difference between saving and investing
Explain the difference between simple interest and compound interest
Calculate compound interest using an online compound interest calculator

Students will be able to:

Explain why saving is important
Explain what it means to “pay yourself first” and why it’s beneficial
Create a list of short, medium, and long-term savings goals

Learning Objectives
Students will be able to
Define investing and distinguish it from saving and trading.
Identify reasons for investing, including outpacing inflation.
Analyze how compounding builds wealth over time.
Reflect on how investing contributes to wealth inequality.

Approximate Time
Lesson length: 90 mins

In this 60-minute lesson, students will be able to:
- Summarize the general use of tax revenue by the government
- Explain which categories account for the most government spending, how they affect us, and with which - organizations/entities they are associated
- Demonstrate the importance and use of taxes with the MOVE: Your Tax Dollar In Action activity

Students will be able to:
-Identify everyday obstacles Americans experience when trying to save money
-Understand why it is important to maintain an emergency fund
-Describe their own savings goals as well as big picture reasons to save, such as for college or retirement
-Estimate the cost of medium- and long-term goals and devise smaller, periodic savings goals to reach them

In this 85-minute lesson, students will be able to:
-Differentiate between hard skills and soft skills
-Identify skills necessary for a range of jobs
-Analyze the skills you currently have and those you will need to gain for a specific career
-Demonstrate the use of soft skills in different roleplay scenarios

Students will be able to:
-Identify strategies to use for finding a job during high school
-Explain the different categories of work (full- vs part-time, paid vs unpaid)
-Successfully complete a job application with the proper information

In this 100-minute lesson, students will be able to:
-Explain the benefits of having a LinkedIn profile as a professional
-Create a LinkedIn profile and use it to advance your career and grow your network
-Understand the importance of having a professional online presence

Estimated Lesson Time: 45 minutes

Students will be able to:
-Understand how the context of various situations can affect the financial decisions they make
-Define economic terms about the paradox of value
-Assess which of their personal values most affect how they interact with money

ANSWER KEY LINKS: Create a Next Gen Personal Finance (NGPF) account to access answer keys. They will be listed under the Full Year Curriculum tab.