Learning Objectives
Students will be able to
Investigate how investing can be a powerful tool to meet your retirement goals
Explain why most Americans cannot rely on Social Security and pensions alone for retirement
Explore factors that can impact how much you might need in retirement and your ability to meet your retirement savings goal
Understand the growing popularity of the F.I.R.E. movement

Approximate Time
Lesson length: 115 mins

Students will be able to:
- Distinguish between common IRS forms and determine when and how each form is used in the tax cycle
- Explain the purpose of a W-4 and how withholdings impact your paycheck
- Carefully read the details of a W-2 form

In this 85-minute lesson, students will be able to:
-Explain the fundamental ways that insurance companies provide coverage but also make money as a business
-Recognize the relationship between insurance premiums, deductibles, and coverage limits
-Determine the role of states in providing, regulating, and enforcing insurance requirements
-Acknowledge the costs of insurance fraud

In this 60-minute lesson, students will be able to:
- Discuss why younger drivers typically pay higher insurance premiums
- Explain the different levels of car insurance and what they cover
- Analyze the different factors that affect insurance premiums

Students will be able to:
-Prepare themselves physically and mentally for a job interview
-Identify characteristics of an effective interview strategy, including positive and negative responses to questions

In this 120-minute lesson, students will be able to:
-Incorporate multiple strategies to potentially generate interview opportunities
-Prepare yourself physically and mentally for a job interview
-Practice answering common job interview questions
-Recognize behavioral interview questions and develop a strategy for answering those questions
-Review appropriate ways to follow-up after an interview

Students will be able to:
-Prepare themselves physically and mentally for a job interview
-Identify characteristics of an effective interview strategy, including positive and negative responses to questions
-Execute appropriate follow-up after an interview

Students will be able to:
-Explain how a credit card works in terms of making purchases and managing payments
-Read a Schumer box and identify how terms of the card impact total cost of purchases
-Understand how interest is charged and how to avoid or minimize it
-Read a credit card statement

In this 60-minute lesson, students will be able to:
- Explain the purpose of insurance
- Evaluate at what age a person will start to need different types of insurance
- Assess the overall value of insurance plans with higher premiums

Learning Objectives
Students will be able to
Explain the difference between active investing and passive investing
Identify a variety of popular investment funds including mutual funds, index funds, exchange traded funds, and target date funds
Read a fund fact sheet for an index fund and a target date fund

Approximate Time
Lesson length: 110 mins

Estimated Lesson Time: 85 minutes

Students will be able to:
-Identify how the endowment effect and sunk costs affect our decision making
-Discuss how the endowment effect and sunk costs are connected to our personal finances
-Demonstrate making decisions after you’ve already spent time, money, or effort
-Choose strategies that are helpful in combating the endowment effect and sunk costs

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.

In this 60-minute lesson, students will be able to:
- Explain the difference between gross pay and net pay
- Explain why we pay taxes and how the tax revenue is used
- Explain basic budgeting strategy and why it’s important to follow a budget

Students will be able to:

-Choose whether a debit or credit card is appropriate for different situations
-Explain how a person can use credit cards responsibly
-Analyze a credit card statement

Lesson Length: 60 mins

Students will be able to:

-Explain what is a credit score
-Explain what factors affect a person’s credit score
-Demonstrate behaviors that can positively or negatively affect a person’s credit score

Lesson Length: 60 mins

Students will be able to:

-Explain what is an elevator pitch and why it is important
-Discuss best practices throughout the entire application and interview process
-Demonstrate their skills in the areas of dress, elevator pitches, and job applications

Lesson Length: 60 mins

Students will be able to:

-Discuss different ways to prepare for a job interview
-Discuss best practices for a person’s first job interview
-Analyze popular interview questions

Lesson Length: 60 mins

Students will be able to:

-Explain the concepts of credit, interest, and loans
-Compare the similarities and differences between credit and debit cards
-Analyze the key differences between credit and debit cards that make one more beneficial than the other in certain situations

Lesson Length: 60 mins

Students will be able to:

-Explain how a loan’s principal, interest rate, and term affect the overall cost of the loan
-Explain beneficial ways to prepare for taking out a loan and where to apply for one
-Calculate the total cost of a loan with different credit scores

Lesson Length: 60 mins

Students will be able to:

-Identify what things colleges are looking for when evaluating applicants
-Discuss the purpose of a high school transcript and how they’re affected by Honors, AP, and IB courses
-Create a 4-square that helps them plan their high school activity

Lesson Length: 60 mins

Students will be able to:

-Identify key elements to include in a resume
-Discuss best practices in creating a resume
-Analyze another person’s resume
-Write a first draft resume