Students will be able to:

-Explain the difference between soft skills and hard skills
-Identify soft skills that are strong and those that are an area for improvement
-Demonstrate the use of soft skills in a group activity

Lesson Length: 60 mins

Estimated Lesson Time: 120 minutes

Students will be able to:
-Generate a list of responsible strategies that can be used by an individual to pay down and eliminate their debts
-Explain the difference between High Rate and Debt Snowball repayment methods
-Decide whether credit counseling, the FTC, or the CFPB could help them manage debt
-Understand the consequences of not paying one’s debts and the choices of last resort for out-of-control debt

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 risk is and its role in investing
Analyze effective strategies to manage investment risk
Identify which strategies you might use to manage risk when you start investing

Approximate Time
Lesson length: 105 mins

Learning Objectives
Students will be able to
Discuss the function and growth of robo-advising, along with its relationship with human investment managers
Explain the function, pros, and cons of micro-investing
Identify best practices to use when evaluating a mobile investing app
Understand the capital gains tax and how it applies to gains realized through modern investing tools
Compare modern investing tools

Approximate Time
Lesson length: 95 mins

Estimated Lesson Time: 95 Minutes

Students will be able to:
-Understand how down payment, interest rate, term, loan type, and amortization table work together to impact overall mortgage payments
-Recognize the pros and cons of fixed- and adjustable-rate mortgages
-Determine whether a home equity loan or line of credit is a viable loan option
-Decide whether renting or buying makes the most sense

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:
● Categorize purchases into needs and wants
● Prioritize spending using a limited budget
● Adapt a budget based on changing financial circumstances

Students will be able to
-Explain the elements of a successful LinkedIn profile and create one of their own
-Craft an elevator pitch that presents their key skills succinctly
-Determine productive strategies to use in an informational interview

Students will be able to:
-Appreciate the range of online and mobile banking services available to help manage and fully utilize their checking account
-Explain what direct deposit is, how they sign up for it, and why it could be beneficial
-Use online bill pay
-Understand the advantages and disadvantages of digital wallet payments such as Apple and Google Pay
-Identify ways they can protect their checking account when using online and mobile banking

Students will be able to:

Develop a plan to talk to a parent or guardian about opening a savings account
Prepare for opening a savings account by determining what features are most important, what items they already have, and what items they’ll need to apply
Analyze a savings account statement

In this 90-minute lesson, students will be able to:
-Professionally negotiate your salary
-Describe key job benefits
-Compare multiple job offers based on a variety of criteria to determine the best fit
-How to react and next steps to follow if you do not get offered the job

Students will be able to
- Identify the quantitative and qualitative benefits of going to college
- Explain the importance of researching expected starting salaries when choosing a college and major
- Understand common costs associated with college
- Explain the difference between sticker price and net price
- Have a conversation with their parents or guardians about paying for college

In this 60-minute lesson, students will be able to:
- Compare the costs of private, public in-state, public out-of-state, and community colleges
- Calculate the difference between sticker price and net price of colleges
- Identify ways to lower the cost of college

Students will be able to
- Apply their knowledge on creating a business
- Craft a business presentation, advertisement, and elevator pitch
- Present their business idea to your classmates

Students will be able to:

Explain what is simple interest and compound interest
Compare the difference in growth of an investment when using simple vs. compound interest
Calculate simple interest and compound interest earnings year over year

Students will be able to
-Learn tips for using their checking account effectively, including the use of mobile alerts
-Read a checking account agreement and identify the fees associated with a checking account
-Understand how overdraft protection works and how to avoid high fees attached to the service
-Read a bank statement to verify its accuracy and interpret how their money is being used

Students will be able to
- Identify steps they can take to prepare for student loan repayment
- Understand the different loan repayment options available to them
- Explain how student loan payments work
- Identify the consequences of not making student loan payments
- Compare different loan repayment options such as deferment, forbearance, consolidation, and more

Students will be able to:
-Explain key strategies to maximize the effectiveness of a resume and cover letter
-Analyze real examples of resumes and cover letters to determine their effectiveness
-Create their own resume and cover letter that meet the criteria for success

In this 105-minute lesson, students will be able to:
-Explain what a resume and cover letter are and how they are used in the hiring process
-Identify how a resume differs from a LinkedIn profile
-Write a resume with little to no work experience
-Create a resume and cover letter for yourself

Students will be able to:
-Explain how saving is linked to overall wealth
-Describe how saving and investing are different
-Understand fundamentals of saving such as reasons for saving, how much to save, and strategies to enable saving
-Acknowledge the role of delayed gratification in saving

Students will be able to:

Explain what is a savings account
Compare the difference between savings and checking accounts
Choose whether a savings or checking account is appropriate for different financial situations