In this 60-minute lesson, students will be able to:
- Explain why practicing good digital citizenship is important
- Determine the most appropriate course of action in certain online situations
- Decide how people can be upstanding digital citizens in response to scenarios in social media

Students will be able to:
- Decide when it is best to itemize their deductions and when to take the standard deduction
- Differentiate between employees, contractors, and freelancers, and how that status affects their taxes
- Understand the tax implications of taking on multiple revenue streams
- Choose which types of investment accounts are best for their current and future tax situations

Students will be able to:

Analyze how diversification effects risk when investing
Explain the benefits and more favorable levels of risk when investing in an index fund vs. picking individual stocks
Analyze the long-term performance of an index fund like the S&P 500 alongside the performance of individual stocks

Students will be able to:
- Understand the factors that determine whether or not someone has to file a tax return
- Explain what a dependent is and establish if they can be claimed as a dependent by someone else on their tax return
- Determine whether someone has to file a tax return based on their specific situation

Students will be able to
-Explain what a checking account is used for and why it is important to have one
-Understand the variety of ways they can deposit and withdraw funds from their checking account
-Describe the consequences of not being in the banking system
-Understand various options for payment (cash, check, debit, person-to-person, prepaid card) and determine when to use each type

Estimated Lesson Time:

Students will be able to:
-Understand what herd mentality and FOMO are
-Explain how these two cognitive biases impact our personal finances
-Identify practical steps someone can take to combat the influence of herd mentality and FOMO

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.

Students will be able to
- Explain the role the FAFSA plays in the financial aid process
- Understand the importance of submitting the FAFSA
- Apply for the FAFSA
- Identify misconceptions and challenges students have that prevent them from submitting the FAFSA
- Read a Student Aid Report (SAR) and understand the role of their Expected Family Contribution (EFC)

Students will be able to:
- Identify what they need to file their tax returns
- Distinguish tax credits from tax deductions and understand how they can lower their overall tax burdens
- Complete a 1040 form to file their tax returns
- Explain how to pay back any taxes they owe or how to maximize a tax refund
- Identify fees and penalties they will incur if they fail to file a tax return or pay back taxes owed

In this 80-minute lesson, students will be able to:
-Understand how millions of Americans get their health insurance
-Explain the pros and cons of opting into your employer health plan versus buying your own
-Read the fine print on a health benefits form and shop around for a health insurance plan that works for you
-Determine what steps you can take if you are faced with expensive medical bills

In this 70-minute lesson, students will be able to:
-Use online job boards to find and read job postings for open roles that meet your career goals and qualifications
-Prepare for and navigate career fairs and other networking events
-Write an elevator pitch that will leave a positive first impression
-Overcome imposter syndrome when applying for jobs

In this 95-minute lesson, students will be able to:
-Understand the importance of having health insurance
-Identify the various costs affiliated with having health insurance
-Explain how health insurance works and the different types of plans available to them
-Understand how government healthcare programs like Medicaid and CHIP work and who qualifies for them
-Explore steps they can take to lower their medical costs

In this 75-minute lesson, students will be able to:
-Distinguish the similarities and differences between renters and homeowners insurance
-Read the fine print of a rental insurance agreement and a homeowners insurance declaration page
-Appreciate why it is valuable to have insurance for your dwelling, regardless of whether you own or rent a home

In this 45- minute lesson, Students will be able to
- Track and evaluate a sample student’s current spending habits and expenses
- Determine what the student’s priorities and financial goals are
- Explain how a budget can help the student achieve their financial goals
- Create a plan that outlines the next steps for the student to take

In this 60-minute lesson, students will be able to:
● Prioritize budget categories based on needs, wants, and savings goals
● Explain the difference between gross pay and net pay and why net pay is used when creating a budget
● Analyze a pay stub

Learning Objectives
Students will be able to
Explain the advantages of a 401(k).
Analyze who has access to 401(k) accounts.
Compare different types of retirement accounts, including Roth IRAs, traditional IRAs, 401(k)s, and pensions.
Simulate signing up for a 401(k) or IRA account.

Approximate Time
Lesson length: 115 mins

Students will be able to:
-Identify various rules of thumb and strategies to save money
-Determine whether a direct deposit or manually saving is the best strategy for them
-Understand how compound interest works to increase savings
-Explain how to use the Rule of 72
-Recommend different mobile apps that can help them manage and increase their savings

Students will be able to:
- Explain various ways to fund a new business
- Analyze sample elevator pitches and their effectiveness
- Understand how social media marketing can help reach their target audience
- Identify key considerations when hiring for their new business

Students will be able to
- Identify possible first steps in starting a business after developing an idea
- Understand the importance and purpose of a business plan
- Describe elements that should be included in a business plan
- Analyze several sample business plans and their effectiveness

Students will be able to:

Explain the essential elements of a receipt
Read receipts such as pharmacy and grocery store
Explain why it’s important to sometimes keep your receipts

In this 60-minute lesson, students will be able to:
Assess how different scenarios can leave a person vulnerable to identity theft
Identify best practices to avoid identity theft
Create secure passwords using proven strategies