Budgeting, saving, and investment strategies alongside practical skills for managing credit, taxes, and banking. Addresses insurance needs, employment income, and major purchase decisions to support comprehensive long-term financial planning.
This lesson focuses on self-advocacy in the service industry, specifically regarding tipping policies and procedures. Students will learn how to identify different tipping systems and practice asking for clarification when they have questions about their earnings.
Exploring emergency funds, the basics of credit scores, and strategies for avoiding high-interest debt after high school.
Understanding the 50/30/20 rule, identifying personal "wants" versus "needs," and managing discretionary expenses like subscriptions and entertainment.
Managing recurring monthly bills like internet, phone plans, and electricity, including strategies for reducing usage and costs.
Practical math for grocery shopping, including unit pricing, meal planning on a budget, and the hidden costs of convenience foods.
Comparing the true costs of vehicle ownership versus public transit, including insurance premiums, gas, maintenance, and parking.
A deep dive into the costs of renting, including security deposits, renters insurance, and understanding the terms of a standard lease agreement.
Students identify different components of a paystub, understand FICA and income tax deductions, and calculate accurate net monthly income based on their current jobs.
A practical, hands-on lesson designed for working high school seniors to navigate the transition to independent living. Students analyze their current income and projected expenses for housing, food, and transport to build a realistic monthly budget.
A comprehensive guide to understanding paychecks, including gross vs. net pay, tax deductions, and the anatomy of a pay stub. Students will learn how to read their earnings statements and manage their direct deposit information.
A comprehensive lesson exploring the differences, benefits, and drawbacks of technical schools and apprenticeships to help students navigate post-secondary options.
A comprehensive financial literacy lesson focused on the transition to entry-level employment, covering apartment budgeting, student loan management, and retirement savings using AVID strategies.
A comprehensive suite of academic planning tools designed for high school students to map out their graduation requirements and future career paths with their school counselor.
A comprehensive lesson on retirement planning, compound interest, and long-term budgeting for students to understand the importance of early financial preparation.
Outlines the steps to take after receiving acceptance letters, including deposits, orientation, and housing, concluding with a reflection journal.
Guides students through the application timeline, components of a college application, and the admissions review process.
Focuses on financial literacy, including FAFSA/ORSAA, scholarship hunting, and decoding financial aid award letters.
Covers the different types of colleges (2-year vs. 4-year, public vs. private), debunks common academic myths, and sets expectations for the college experience.
Master the transition from student to professional. This lesson covers workplace etiquette and the application process through engaging puzzles and reflective self-assessments.
An interactive board game experience covering essential life skills including financial literacy, time management, communication, and career readiness.
A core simulation lesson where students manage a $10,000 portfolio over four weeks, reacting to market news and tracking their gains or losses.
Building essential job-seeking skills, including application completion, interview preparation, and understanding job roles.
Planning social gatherings, managing invitations, and practicing etiquette for holiday and community events.
The capstone unit of the program, where students apply all learned skills in complex, multi-step simulations of independent adult life.
Navigating healthcare settings, identifying body parts and symptoms, and practicing social scripts for making and attending medical appointments.
Building professional habits, understanding workplace social cues, and practicing teamwork in a job setting.
Essential skills for maintaining a household, including chores, laundry, and daily organization.
Practical application of money skills through budgeting, price comparison, and navigating a shopping environment.
A comprehensive life skills lesson focused on the financial realities of purchasing a vehicle, covering loans, interest, hidden costs, and budgeting for total ownership.
A practical lesson on navigating the complexities of car loans, focusing on interest rates, loan terms, and total cost of ownership. Students will learn to distinguish between monthly payments and the long-term cost of financing a vehicle.
A comprehensive guide to transitioning to independent adulthood, focusing on the practicalities of managing money and finding a place to live. Students engage with real-world documents like rental ads and utility bills to solve common 'adulting' challenges.
Uncover the metrics of national wealth through the history of hyperinflation, the ethics of economic growth, and simulations of central bank management.
Master the dynamics of market forces through the history of the Tulip Mania, the ethics of ticket scalping, and simulations of price elasticity and equilibrium.
Explore the foundational pillars of economics through the history of the Dust Bowl, the ethics of organ markets, and simulations of scarcity and marginal utility.
Master the mechanics of life's largest financial commitments through the history of the 30-year mortgage, the ethics of urban gentrification, and complex simulations of home ownership.
Uncover the mechanisms of risk management through the history of the Great Fire of London, the ethics of pre-existing conditions, and complex simulations of health and auto insurance.
Master the battlefield of the modern marketplace through the history of consumer protection, the ethics of planned obsolescence, and simulations of contract negotiation.
Uncover the mechanics of modern banking through historical currency crises, the ethics of fee structures, and simulations of liquidity management.
Compare the mechanics of market, command, and mixed economies through historical documents like ration cards and industrial quotas, as well as modern tax structures.
Analyze the mechanics of financial choice through historical market crashes, the ethics of credit, and complex simulations of high-stakes adult purchases.
Master the art of information gathering and source verification in the digital age through historical misinformation cases and modern research simulations.
A comprehensive guide to essential adulting skills covering financial literacy, career development, health navigation, and civic responsibilities.
A comprehensive guide to personal finance, covering budgeting, the 50/30/20 rule, and long-term financial planning for young adults.
Une étude de cas pratique sur la création et l'analyse financière d'un projet de service événementiel (Photobooth). Les élèves calculent l'investissement, analysent la rentabilité et rédigent un devis professionnel.
A restorative justice resource designed for students who have intentionally damaged school technology, focusing on financial accountability and community impact.
Cette leçon permet aux élèves de comprendre les mécanismes du calcul commercial à travers la création d'offres pour un photobooth. Ils apprennent à calculer des coûts, des marges et à formaliser une offre commerciale professionnelle sous forme de devis.
A 50-minute lesson designed for high school students, particularly those facing housing instability, to understand the mechanics of credit scores, the cost of interest, and how to differentiate between productive and predatory debt.
An introductory lesson exploring the definition of real estate, the four main categories (residential, commercial, industrial, and land), and its significant impact on the economy.
A comprehensive lesson on navigating significant financial decisions, comparing the immediate utility of large electronics with the long-term investment of higher education and vocational training. Students learn to use a structured decision-making process to evaluate needs, wants, and opportunity costs.
A functional skills lesson focused on navigating a restaurant experience on a budget, covering menu reading, budget planning, social etiquette, and group check splitting.
Protecting personal assets with auto and home insurance, and applying all skills to real-world scenarios.
Understanding health, life, and disability insurance basics to protect physical and financial well-being.
Exploring credit scores, interest rates, and responsible borrowing habits.
Decoding the paycheck, understanding tax forms, and where tax dollars go.
Foundational concepts of income, expenses, and creating a sustainable budget.
A 50-minute instructional session for students in temporary housing, focusing on safe food storage and creative leftover use through visual guides and sequence flowcharts.
A comprehensive lesson on restaurant etiquette covering menu reading, ordering, manners, volume control, tipping, and conflict resolution.
A high-engagement, sub-friendly lesson where AVID students research, budget, and plan a 3-day dream vacation while applying WICOR strategies and financial literacy skills.
A practical guide for teens to navigate grocery stores efficiently, focusing on unit pricing, store layout, and balancing convenience with cost for both no-cook and kitchen-based meals.
A practical literacy lesson designed for high school students with special needs to master reading and understanding basic loan agreements. Students analyze simplified car and laptop financing documents using a 5W (Who, What, When, Where, Why) framework.
Empowering students to speak up for their needs, understand their rights, and communicate effectively in various personal and community situations.
A lesson covering the four main ways to pay for college: scholarships, grants, work-study, and loans, featuring a budget simulation and a scholarship research activity.
Students synthesize their findings to create a personal proposal for their post-high school needs, outlining software, hardware, costs, and funding sources while practicing self-advocacy.
Students experiment with different audio input devices (headsets, tabletop mics, earbuds) in varying noise environments, analyzing how background noise impacts recognition accuracy.
Students investigate how different speech engines process data (local vs. cloud) and the implications for privacy in academic or professional settings.
Students test mobile dictation apps and cloud-based synchronization, evaluating how to capture ideas on the go and transfer them to a desktop for editing.
Students conduct a comparative analysis of accessibility tools native to Windows/Mac/Chromebooks versus specialized software like Dragon Professional, evaluating cost, privacy, and performance.
Students act as financial counselors for a detailed case study of a recent graduate struggling with payments. They analyze debt load and income to recommend a specific repayment plan and budget adjustments, producing a final 'Financial Action Plan'.
Students examine the timeline and repercussions of failing to repay student loans, including damaged credit scores, wage garnishment, and tax refund offsets. They learn the difference between postponement options and simply stopping payment.
This lesson connects career aspirations with borrowing limits. Students research entry-level salaries for specific careers and calculate a safe borrowing limit based on the rule of thumb that total debt should not exceed expected first-year salary.
Learners investigate alternative federal repayment options, including Graduated, Extended, and Income-Driven Repayment (IDR) plans. They analyze how lowering a monthly payment often results in paying significantly more interest over the life of the loan.
Students use the 'Standard Repayment Plan' model to calculate estimated monthly payments for various total debt amounts and compare them to entry-level salaries. This lesson introduces the concept of the debt-to-income ratio through the 'Sticker Shock' challenge.
In this culminating lesson, students analyze sample financial aid offer letters containing a mix of loan types. They must extract key data points to calculate the total cost of repayment for each scenario. Students produce a written recommendation on which loan package is most financially sound.
Students learn about interest capitalization and how unpaid interest is added to the principal balance, causing interest to be charged on interest. Through guided practice problems, they calculate the financial impact of paying interest while in school versus deferring it until graduation.
This lesson focuses on the critical distinction between subsidized and unsubsidized federal loans. Students examine how the government pays interest on subsidized loans while the student is in school, contrasting this with how interest accumulates immediately on unsubsidized loans.
Learners investigate the differences between federal government loans and private bank loans, comparing interest rate structures (fixed vs. variable) and borrower protections. Students create a comparison chart highlighting the pros and cons of each funding source.
Students explore the basic vocabulary of lending, defining principal, interest rates, and the term of a loan. They perform basic calculations to see how the cost of an item increases when purchased on credit versus cash.
Students evaluate whether specific degrees and colleges are worth the estimated debt load based on projected earnings. They calculate the debt-to-income ratio for various career paths and set personal borrowing guidelines.
Students examine the consequences of failing to repay student loans, including wage garnishment and credit score damage. They learn about deferment and forbearance as temporary safety nets.
Students integrate student loan payments into a realistic entry-level monthly budget. They research starting salaries for careers of interest and subtract taxes and living expenses to see if the loan payments are affordable.
This lesson details various federal loan repayment options (Standard, Graduated, Income-Driven) and helps students determine when to prioritize lower monthly payments over long-term savings.
Students use loan calculators to understand how interest rates and loan terms affect the total cost of borrowing, introducing the concept of amortization.
