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.
A project-based learning experience for high school seniors to bridge the gap between their 'Reality Check' lifestyle results and actual financial planning, featuring career research, tax calculations, and a 'Curveball' challenge.
A high school lesson exploring the psychological impact of consumerism and how to cultivate long-term life satisfaction beyond material possessions, based on Joshua Becker's insights.
A comprehensive 4-hour individual lesson for an adult learner at a 2nd-grade level, focusing on money identification, needs vs. wants, making purchases, and saving strategies through hands-on activities and role-play.
A comprehensive Student Learning Target (SLT) package for 9th-grade counselors focusing on Louisiana's TOPS University and TOPS Tech graduation pathways, including assessment tools and professional documentation.
Focuses on exploring personal identity outside of the high school context and identifying core values that will guide decision-making in college.
A lesson for 8th graders to explore self-sufficiency and set personal goals for independence as they transition toward high school. Includes a video analysis of '5 Signs You\'re An Independent Person' and the creation of a personal 'Independence Roadmap'.
A 10th-grade financial literacy lesson that explores the link between savings and personal freedom using the 'Jar Budgeting' method and a Psych2Go video on independence.
A fun, interactive game-based lesson where club members learn about healthy eating, community safety, and daily living skills by playing Two Truths and a Lie. Club members will act as 'Fact Finders' to identify myths and facts in these key life areas.
A scavenger hunt and social learning experience designed for young adults (18-22) at the Springfield Museums in Massachusetts. This lesson focuses on community independence, social navigation, and functional literacy in a public cultural setting.
A high-energy, Valentine's-themed 'Price is Right' game designed to last up to 120 minutes, covering item pricing, logic, and estimation.
A comprehensive lesson for high school students with intellectual disabilities to explore and compare post-secondary education routes, focusing on personal preferences, support needs, and practical considerations like cost and location.
A comprehensive lesson designed to equip high school seniors with the practical skills needed to manage their finances after graduation. Students will learn the 50/30/20 rule, distinguish between fixed and variable expenses, and apply these concepts through a realistic simulation project.
A comprehensive lesson on creating and sharing a professional business plan, featuring a deep dive into financial projections and business math essentials. Students will explore key components like the Executive Summary, Marketing Plan, and Financial Plan while mastering calculations for profit, ROI, and break-even points.
A 3-day guided project where students identify, categorize, and plan for essential household items within a specific living space and budget, focusing on practical life skills and safety.
A two-day project where students explore different housing options, compare their features, and determine which best fits their personal needs and budget.
A comprehensive lesson for high school seniors focused on the mechanics, strategy, and consequences of paying bills, featuring a simulated monthly bill cycle activity.
A comprehensive lesson designed to help students master the art of counting change and develop foundational money management skills like budgeting, tracking expenses, and saving.
Introduction to meal planning, grocery shopping on a budget, and basic kitchen safety and cooking techniques.
Covers the essentials of maintaining a living space, including cleaning schedules, basic home repairs, and organizational strategies.
Students will learn the basics of budgeting, managing income, and understanding expenses to build a solid financial foundation for adulthood.
Students become 'Value Detectives' to distinguish between price and value, learning that the cheapest option isn't always the best deal. The lesson uses a specific video segment to define quality and value, followed by a hands-on item comparison activity.
A 9th-grade financial literacy lesson exploring how consumer expectations of future prices influence current demand and personal spending habits.
Students explore why certain assets lose value over time, learn to calculate percent change using real-world scenarios (car, phone, handbag), and discuss the financial implications of depreciation on insurance and net worth.
A middle school lesson focused on analyzing the disconnect between consumer needs and producer goals using the 'Pitch Perfect' video. Students engage in a role-play activity to identify marketing techniques like cherry-picking and glittering generalities.
This lesson helps seniors in the class of 2026 navigate the world of scholarship hunting. It covers types of scholarships, search strategies, and organization techniques to maximize their funding potential.
Students research donor organizations to align their personal brand with the funding source's mission and values.
Students build a robust project management system to track deadlines, requirements, and application status.
Students evaluate scholarship opportunities based on effort-to-value ratios and eligibility requirements.
This lesson introduces 14-year-olds to the NYC Summer Youth Employment Program (SYEP), focusing on how self-awareness and social awareness help teens find the right fit and succeed in their first professional experience.
Materials to visualize and implement the Quarter 4 bulletin board themed 'Launching Your Legacy'. Focuses on job retention, alumni success, post-graduation resources, and continuous professional growth.
Resources for teachers to effectively manage, maintain, and utilize the quarterly bulletin boards as instructional tools.
Materials to visualize and implement the Quarter 3 bulletin board themed 'Preparing for Life After TRC'. Focuses on workplace expectations, transition planning, and life skills for independence.
Materials to visualize and implement the Quarter 2 bulletin board themed 'Building Skills That Lead to Jobs'. Focuses on soft skills, professional communication, and stress management.
A comprehensive set of materials to visualize and implement the Quarter 1 bulletin board themed 'Getting Grounded at TRC'. Includes a layout blueprint and individual printable components for the board's four main focus areas.
An introduction to the complex journey of purchasing a first home, including mortgages, down payments, and closing costs.
A deep dive into the process of purchasing a first vehicle, comparing financing options and calculating total cost of ownership.
Students demystify credit scores, learning how they are calculated and why they are vital for financial health.
A practical guide to understanding and accurately completing the W-4 and I-9 forms required for new employment.
Students explore the costs of living independently, focusing on budgeting for rent, utilities, and daily expenses.
Students will learn the fundamentals of personal finance, including income, expenses, and savings, by building and managing a realistic budget through interactive scenarios and simulations.
A comprehensive lesson designed to prepare high school seniors for financial independence by teaching them how to create a realistic monthly budget and track their daily expenses using the 50/30/20 rule.
Students explore the six characteristics of money and the math of divisibility by designing their own currency system for a fictional nation, establishing exchange rates and denominations.
Students will explore the concept of disposable income by creating monthly budgets for characters with different income levels, inspired by the video 'Income Inequality - Why It Happens and Why It Matters'.
Students will learn the fundamental concepts of principal and interest by calculating simple interest in two scenarios: borrowing for a purchase and saving for the future. Through these calculations and a video analysis, students will understand how interest acts as both a cost and a reward in the banking system.
Students learn to use advanced search techniques and verify the legitimacy of scholarship databases and institutional resources.
Students conduct a deep-dive audit of their financial needs and personal characteristics to identify niche scholarship opportunities.
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 analyze common scholarship application components and begin creating a 'brag sheet' of their high school accomplishments.
Students build a personalized organization system to track scholarship deadlines, requirements, and application statuses.
Students learn to identify red flags in scholarship offers and develop critical thinking skills to avoid financial aid scams.
Students practice using digital scholarship databases and search engines, focusing on filtering for opportunities available to underclassmen.
Students distinguish between different types of financial aid—loans, grants, work-study, and scholarships—and analyze the long-term impact of debt versus free money.
A structured workshop session where students use a rubric to provide and receive constructive feedback on their essay drafts.
Students practice adapting a core personal story to address various scholarship prompts, learning the art of the 'pivot.'
Focused on the introduction, students learn the 'Show, Don't Tell' technique to write engaging opening lines and sensory-rich narratives.
Students analyze successful scholarship essays to understand structural elements like hooks, narrative arcs, and future goal statements.
Students identify their unique skills, experiences, and 'personal brand' through a structured inventory of academic and non-academic achievements.
A comprehensive assessment pair designed to measure high school students' growth in college application knowledge, financial aid literacy, and admissions terminology.
A comprehensive lesson exploring the mindset and characteristics of entrepreneurs, featuring integrated business mathematics and a hands-on startup project. Students will analyze data trends, calculate financial risks, and develop their own business blueprints based on Texas Practicum of Business TEKS.
Students explore the connection between the Federal Reserve's Discount Rate and their personal finances through math, video analysis, and a ripple effect simulation.
This lesson explores the difference between Annual Percentage Rate (APR) and Annual Percentage Yield (APY), helping students understand how compounding frequency and high interest rates impact the true cost of credit. Students will watch a tutorial video, apply formulas to credit card offers, and analyze why the gap between nominal and effective rates widens.
A personal finance workshop for adult learners focused on evaluating credit card offers, understanding the difference between APR and APY, and calculating the long-term costs of debt. Participants will analyze real statements, simulate interest costs, and develop a checklist for choosing new credit lines.
A high-school economics lesson analyzing the mathematical reality and predatory nature of short-term lending, specifically focusing on payday loans and APR calculations. Students will use real-world data to calculate the true cost of borrowing and practice persuasive financial communication.
Students will learn to calculate and compare simple interest to determine the total cost of borrowing. This lesson uses a real-world scenario where students must evaluate three different loan offers for a $5,000 purchase.
In this final role-play, students act as job candidates receiving an initial offer. Using their total compensation analysis, they draft a counter-offer email and participate in a live negotiation to improve specific terms (salary, sign-on bonus, or extra PTO).
In this final activity, students receive a revised offer based on their negotiation. They must formally accept or decline the offer in writing, ensuring all agreed-upon terms regarding pay and benefits are clearly documented.
This lesson covers the legal framework of the employment relationship, including at-will employment, non-compete clauses, and intellectual property agreements. Students review a sample contract to flag potential red flags.
Students use cost-of-living indices to normalize salaries across different cities. They adjust gross pay calculations to account for local taxes and housing costs to find the 'real' purchasing power of an offer.
Students learn the principles of principled negotiation, including BATNA (Best Alternative to a Negotiated Agreement). They practice scripting professional requests for higher salary or better benefits without being adversarial.
Learners assign monetary values to intangible benefits like Paid Time Off, remote work flexibility, and professional development budgets to compare offers with different leave policies.
Students receive a customized paystub reflecting their previous decisions and reflect on their financial choices during a mock 'Open Enrollment' session.
Students analyze workplace policies and labor rights through a mock employee handbook to understand their responsibilities and protections.
Students synthesize their knowledge to create a comprehensive payroll strategy guide for a new graduate entering the workforce.
Students use a benefits allowance to prioritize and select voluntary insurance plans based on specific persona needs and health risks.
Focusing on compound interest and the time value of money, students project the long-term growth of early retirement contributions.
Students work in teams to analyze two distinct job offers with different mixes of salary, benefits, and culture. They must use a decision matrix to weigh the pros and cons based on an assigned 'persona' with specific life needs.
Focusing on the W-4, students explore strategic tax withholding decisions and how they affect monthly take-home pay versus annual refunds.
Students simulate the first day on the job by exploring the I-9 form and direct deposit setup, learning about identity verification for legal employment.
Students study behavioral economics and automation, designing split-deposit strategies to ensure consistent savings without manual effort.
Learners explore Flexible Spending Accounts and Health Savings Accounts, analyzing how these vehicles lower healthcare costs and act as savings tools.
Students investigate the difference between pre-tax and post-tax deductions, calculating the tax savings benefit of using pre-tax instruments.
A 45-minute lesson designed to teach students how to effectively research careers using online tools and interest-based searching. Students will transition from broad interests to specific career profiles.
A realistic and empowering lesson designed for high school seniors facing economic anxiety. It provides strategic insights into job market trends, alternative career paths, and financial agency in a challenging economy.
A 40-minute PYP inquiry into the functions of money, helping second graders distinguish between needs and wants while exploring how money acts as a tool for exchange.
A middle school financial literacy lesson exploring economic bubbles through the 1990s dot-com boom and a hands-on lemonade stand simulation. Students learn to distinguish between 'hype' and 'profit' while analyzing how speculation leads to market crashes.
A high school financial literacy lesson focused on calculating revenue, costs, and profit. Students critique a flawed business plan from a video and complete a detailed financial projection activity for a startup T-shirt business.
A business and economics lesson for grades 7-9 where students learn the difference between fixed and variable costs through the lens of running a food truck business. Includes a video-guided discussion and a hands-on budgeting worksheet.
A high school financial literacy lesson that connects macroeconomic cycles (expansion, contraction, recession) to personal financial habits, focusing on the importance of emergency funds and budget flexibility during economic downturns.
Students learn to move beyond coin flips to strategic decision-making using the 5 steps of Cost-Benefit Analysis. They analyze real-world middle school scenarios to weigh costs and benefits using a numerical valuation system.
A game-show themed lesson where students learn to distinguish between fixed and variable expenses by managing a mock 'Adulting' budget, based on economic principles from the video 'Your Role in the Economy'.
A high school entrepreneurship lesson analyzing how consumer confidence and inflation (CPI) impact business revenue through real-world data analysis and case studies. Students evaluate three different business models to determine their resilience in various economic climates.
A lesson where students apply the economic concept of opportunity cost to their personal time management, mapping out a 168-hour week to evaluate trade-offs.
A financial literacy lesson where students learn the benefits of banking and practice persuasive writing by convincing a 'cash stasher' to open a bank account. Students explore concepts like FDIC insurance, interest, and economic growth through a video-based exploration and roleplay activity.
Students learn the fundamental formula for profit (Revenue - Cost) through a video, discussion, and an interactive paper-based simulation running a lemonade stand influenced by random 'Fate Cards'.
Students will investigate how startup costs and barriers to entry dictate the most appropriate business structure for different industries. They will research real-world startup requirements and justify business organizational choices based on capital needs and liability risks.
A high school financial literacy lesson connecting macroeconomic trends (CPI and inflation) to personal budgeting and long-term financial planning. Students learn to analyze cost-of-living adjustments and make strategic spending trade-offs to remain solvent in changing economic conditions.
A high school economics lesson that connects macroeconomic indicators (unemployment, inflation, industry growth) to personal career planning using real-world data and video analysis.
A comprehensive personal finance lesson where students learn to manage income, expenses, and savings through a realistic budget simulation and decision-making activities.
A foundational introductory lesson for a college-level personal finance course, focusing on the importance of financial literacy, core concepts, and setting the stage for the semester.
Students will explore the fundamental differences between needs and wants through an interactive island survival warm-up and a real-world budgeting challenge focused on the Clark family. They will analyze the impact of economic choices and practice prioritizing expenses within a fixed monthly income.
This lesson explores the exponential power of time in investing, focusing on how compound interest accelerates growth over longer durations and calculating the 'cost of waiting' to start an investment journey.
A high-speed lesson teaching students how to estimate the doubling time of investments using the Rule of 72 mental math shortcut. Students compare mental estimates with exact logarithmic calculations to understand the rule's power and limitations.
Students act as financial advisors for fictional high school seniors, recommending a mix of federal and private loans based on specific profiles.
Using sample award letters, students practice identifying the 'net price' and separating loans from grants to determine the true cost of attendance.
Students investigate the landscape of private student loans, examining the role of credit scores, cosigners, and variable versus fixed interest rates.
A comprehensive suite of independent worksheets designed for ELL students to master job search vocabulary, resume components, and workplace document literacy. This lesson covers essential skills for transitioning into the workforce with confidence.
A comprehensive lesson for high school seniors to master the difference between gross and net pay. Students explore paycheck components, calculate deductions, and practice reading real-world pay stubs through guided notes and an interactive simulation.
A cumulative review of all topics followed by the post-test to measure student learning and growth.
Investigating Psychology and Business Administration majors, comparing entry-level roles with those requiring a Master's degree.
Focusing on the strategic differences between Early Action and Early Decision, including the binding nature of ED.
Introduction to the course, establishing goals, and administering the pre-test to gauge baseline knowledge of the college application process.
A 7th-grade civics lesson where students decode a pay stub, categorize tax deductions, and analyze how government revenue is collected at federal and state levels.
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.
A nautical-themed lesson where students use an ocean metaphor to visualize their post-secondary plans, identify their support systems, and research future resources.
A comprehensive lesson where students calculate and analyze the Return on Investment (ROI) for various college degrees and career paths, comparing tuition costs and starting salaries.
A comprehensive set of transition IEP goals and student-facing planning tools for a 9th-grade student with ADHD who is focused on college and community involvement. This lesson includes formal goal documentation and a student-friendly 'Playbook' for tracking progress towards Texas Tech and future independence.
A comprehensive guide for high school juniors to master college test prep and scholarship searching using EBSCO PrepStep, incorporating active learning strategies.
