Students will be able to:

Analyze the elements of a budget and how they affect different aspects of your personal and financial well-being
Calculate how much they would have to save weekly, monthly, or annually to meet different savings goals
Determine what spending habits they have that could change if necessary in order to meet savings goals

In this 90-minute lesson, students will be able to:
-Identify different available career pathways
-Analyze the relationship between education, pay, and unemployment
-Recognize how different careers can be connected by similar skill sets
-Contextualize the minimum and median wage in your state

In this 60-minute lesson, students will be able to:
- Discuss the different jobs they would and would NOT love to have as an adult
- Discuss different factors to consider when selecting a career
- Analyze the starting salaries of two different specific careers
- Evaluate the careers that are recommended after using a career search tool

In this 140-minute lesson, students will be able to:
-Identify important tasks you might not have thought to do prior to starting your new job
-Explain the benefits of joining a professional organization and identify professional organizations that could help you grow in your career
-Effectively ask for a raise
-Create a plan that shows the career path you can take to get to your dream job

Students will be able to:

Identify the basic elements of a checking account
Explain how to deposit and withdraw money using a checking account
Analyze a checking account statement

In this 90-minute lesson, students will be able to:
-Analyze potential careers based on salary, stability, growth, training, and responsibilities
-Explore different career options based on your interests
-Understand how to use an informational interview to gather details on a target career

In this lesson students will be able to:
-Practice writing a check
-Learn how to complete a check register and why it’s important for understanding your cash flows
-Understand how to balance and reconcile their checkbook and how doing so helps protect their money

Learning Objectives

Students will be able to:

-Understand what comparison shopping is, how it can help consumers, and when it makes sense to comparison shop
-Identify a variety of factors to consider when comparison shopping
-Explain how using tools such as browser extensions and price matching can help them find the best deal
-Consider the impact a consumer decision may have on the environment

Lesson length: 100 mins

Students will be able to:

Determine how comparison shopping can help in making different levels of purchasing decisions
Choose the best course of action in making a purchasing decision
Discuss how “must-have” features can vary from purchase to purchase

Learning Objectives
Students will be able to
Differentiate between gross and net pay
Create a budget on a salaried adult’s income and adjust it as required
Research and choose appropriate budgeting apps to meet specific needs

Approximate Time
Lesson length: 100 mins

Students will be able to
- Differentiate between gross and net pay
- Create a budget on a salaried adult’s income and adjust it as required
- Research and choose appropriate budgeting apps to meet specific needs

Students will be able to:

Analyze the psychological strategies used by brands and stores to entice you to buy
Determine the value of different types of discounts, promotions, and offers
Discuss the cost of “free” video games

Students will be able to:
-Correctly use fundamental vocabulary related to credit and lending
-Explain how loan amortization and payments work
-Understand how principal, interest rate, and term are critical components to evaluating credit options

Estimated Lesson Time: 100 Minutes

Students will be able to:
-Enumerate the components of a credit report and how long each data type is retained
-Read a credit report
-Explain key components of the Fair Credit Reporting Act and how it impacts lenders and borrowers
-Understand the importance of reviewing one’s credit report and the steps to take to find and dispute errors

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.

Estimated Lesson Time: 140 Minutes

Students will be able to:
-Name the components of a credit score and how they’re calculated, with a specific focus on credit utilization rate
-Describe how credit score impacts the ability to borrow money and at what rate
-Understand the implications of a thin file and how they can build credit and improve their score
-Summarize the rules contained in the Equal Credit Opportunity Act

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.

The COVID-19 pandemic shaped 2020 into a year characterized by public health and economic crises in the United States, destabilizing millions of families. One of the most striking and consistent indicators of ongoing hardship is an elevated level of food insecurity in American households. Food insecurity sits at the intersection of the economy and health; it is measure that a household lacks sufficient resources to provide adequate nutrition to its members.

In this brief activity, which could also be used as an assessment, students will analyze an infographic on the distribution of household income loss and very low food security among children by 2019 income levels.

To extend learning, the activity is linked to a blog post "Hungry at Thanksgiving: A Fall 2020 update on food insecurity in the U.S" by Lauren Bauer, Associate Director of The Hamilton Project.

Students will be able to
- Understand what a financial aid package is and when they should expect to receive one from a college
- Read and compare different financial aid offers
- Explain the order in which they should accept different types of aid and when they will receive that aid
- Identify strategies and resources they can use if their financial aid is not sufficient to cover the cost of attendance

In this 60-minute lesson, students will be able to:
- Analyze the value of a college education
- Identify the common costs associated with going to college
- Role-play making decisions regarding their college career using the Payback game

Learning Objectives
Students will be able to
Arrange companies to create a diversified mutual fund or index fund
Evaluate how the composition of a mutual fund or index fund is associated with risk and reward
Analyze the composition of the S&P 500

Approximate Time
Lesson length: 80 mins

Students will be able to:

Explain the difference between multiple types of payment
Evaluate the risk of using peer-to-peer payment apps
Decide which type of payment is best in different situations