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 financial literacy series focused on essential banking skills for low-income students, covering account types, avoiding fees, and digital security.
A comprehensive 'Game of Life' style curriculum designed for high school students with 5th-grade reading levels. It focuses on financial literacy, housing, transportation, and navigating daily life through an engaging board game format.
A comprehensive year-long curriculum for high school seniors focusing on college readiness, career planning, financial literacy, and social-emotional well-being. This sequence guides students through the complexities of post-secondary transitions with a special focus on arts-based pathways.
A comprehensive six-week curriculum designed to equip 11th grade students with the practical, financial, and social skills necessary for a successful transition to college life.
A comprehensive unit on credit cards, focusing on strategic selection, fee avoidance, and the long-term impact on credit health. Students learn to navigate the complex world of credit products through analysis and comparison.
A collection of quarterly bulletin board designs for TRC, providing visual blueprints and printable components to help students navigate orientation, skill-building, and transition planning.
A comprehensive financial literacy unit designed to prepare students for the realities of living independently. This sequence covers everything from initial employment paperwork and credit management to the major life milestones of buying a car and a home.
A comprehensive project-based unit exploring how strategic payroll deductions like FSAs, HSAs, and retirement contributions build long-term wealth and manage risk. Students move from basic tax calculations to designing a 'Payroll Strategy Guide' for a career-ready future.
This sequence focuses on the financial implications of banking choices and the modern tools used to manage them. Students investigate the mathematics of interest, analyze fee structures, navigate digital banking platforms, and master the skill of account reconciliation.
This sequence prepares 11th-grade students for independent living by teaching essential financial management skills. Through a month-long simulation, students learn to differentiate needs from wants, analyze income, build a zero-based budget, practice bill payment methods, and adapt to unexpected financial emergencies.
This sequence introduces 9th-grade students to the world of investing. It moves from individual ownership (stocks) to lending (bonds), then into diversification (mutual funds/ETFs), culminating in risk assessment and practical research skills for analyzing financial documents.
This sequence introduces 9th-grade students to the essentials of saving and liquidity. It covers emergency funds, banking products, the impact of inflation on purchasing power, SMART goal setting, and the behavioral strategy of 'paying yourself first' to build long-term financial security.
A comprehensive 11th-grade financial literacy unit focusing on the mathematical mechanics of compound interest, the impact of time, the erosion of inflation, and the strategic construction of financial safety nets.
This sequence introduces students to the core concepts of wealth accumulation through compound interest and the protective role of liquidity. Students will progress from mathematical modeling of growth to practical strategies for maintaining financial resilience against inflation and life's unexpected expenses.
This sequence introduces 9th-grade students to personal banking and credit management. It covers banking institutions, simple vs. compound interest, credit scores, credit card debt, and loan acquisition strategies through case studies and simulations.
A comprehensive two-day introduction to personal banking for high school seniors, covering checking and savings accounts, specialized savings products, and common banking fees.
A 3-day introductory sequence on banking fundamentals for 11th-grade students, covering checking accounts, savings strategies, and responsible borrowing.
A comprehensive financial literacy series for secondary students covering the core pillars of personal finance: saving, budgeting, and investing. Students move from basic habits to long-term wealth building through practical simulations and real-world math.
A comprehensive series of lessons designed to equip students with essential life skills for independent living, focusing on financial literacy, personal organization, and daily responsibilities.
A comprehensive budgeting project where students navigate 25 unique financial scenarios, ranging from entry-level trades to professional careers, to learn the realities of financial planning and adulting.
A comprehensive guide for first-time car buyers covering budgeting, inspection, financing, and insurance. Students will learn how to navigate the complex process of purchasing their first vehicle while avoiding common pitfalls.
A comprehensive unit designed to guide students through the modern job application process, focusing on strategic networking, deep company research, and high-stakes interview preparation. Students will learn to build professional connections and tailor their approach to specific company cultures and scenarios.
A comprehensive unit on planning, shopping for, and preparing a taco bar lunch for a large group. Students practice budgeting, community navigation, and culinary skills.
A comprehensive unit on financial literacy and personal economics for high school students, focusing on the distinction between survival essentials and lifestyle preferences.
A comprehensive life skills module designed for middle and high school students to develop independence in meal preparation, budgeting, and personal hygiene. Through visual guides and hands-on practice, students build the confidence needed for daily living.
A comprehensive unit on credit card literacy, covering the types of cards, fees, rewards, and the impact of credit usage on financial health.
A comprehensive guide to help students navigate the transition from high school to post-secondary life, covering career exploration, college applications, financial aid, and essential life skills.
A comprehensive high school sequence focused on essential independent living skills, covering financial literacy, household management, and basic culinary independence.
A high school English Language Arts sequence focused on the practical application of Latin and French terminology in professional, legal, and political contexts. Students explore how these terms define power, liability, and obligation through case studies, simulations, and analysis of real-world documents.
This simulation-based sequence helps students develop the financial and logistical skills necessary for independent living. Students move through a 'Real World' simulation where they must secure housing, manage a monthly budget, and plan for daily needs.
A comprehensive unit on insurance literacy, focusing on technical document analysis, legal concepts like liability and negligence, and the practical skills needed to file claims and advocate for consumer rights. Students move from reading the 'fine print' to drafting formal appeals.
This workshop-style sequence focuses on the logistical preparation required before opening the FAFSA application. Students guide their families through the process of gathering necessary tax documents and successfully creating an FSA ID, emphasizing digital security and communication.
This project-based sequence simulates the independent living experience, requiring students to apply mathematical reasoning and research skills to maximize a hypothetical budget. Students move from calculating simple unit prices to evaluating total cost of ownership, including shipping, subscriptions, and maintenance. The sequence culminates in a comprehensive comparison shopping project where students must justify a major purchase choice using quantitative data and qualitative reviews.
This sequence explores the psychology behind spending, focusing on impulse control, emotional triggers, and the economic concept of opportunity cost. Students move from basic needs/wants categorization to developing a personalized mindful spending plan.
A comprehensive unit on consumer rights, warranties, and the art of professional dispute resolution. Students learn to navigate the legal and ethical framework of the marketplace through case studies, role-plays, and writing workshops.
This sequence equips 11th-grade students with the skepticism and technical knowledge to identify scams and financial fraud. Students move from recognizing general red flags to analyzing specific schemes targeting young adults, culminating in a gamified fraud investigation simulation.
A comprehensive unit for 11th-grade students on consumer rights, legal protections, and advocacy. Students explore the Consumer Bill of Rights, dissect warranties, navigate government regulatory agencies, and master the art of filing formal complaints and legal remedies.
A project-based sequence for 11th-grade students focusing on practical consumer skills. Students simulate a major life purchase, moving from identifying needs to calculating the Total Cost of Ownership (TCO) and mastering negotiation tactics.
This sequence empowers 10th-grade students with legal knowledge regarding their rights as consumers. It covers consumer legislation, contract analysis, professional dispute resolution, government protection agencies, and the impact of collective consumer action.
A comprehensive 10th-grade unit exploring media literacy, behavioral economics, and digital citizenship through the lens of advertising. Students move from identifying rhetorical appeals to deconstructing complex digital marketing ecosystems, culminating in a counter-advertising project.
A high-school level sequence exploring the psychological and digital mechanisms of modern advertising. Students learn to identify neuromarketing, algorithmic targeting, influencer tactics, and dark patterns to develop critical consumer autonomy.
A comprehensive sequence for 10th-grade students focusing on the financial realities of student loan repayment, the impact of debt-to-income ratios, and evaluating the long-term ROI of post-secondary education choices. Students progress from basic math to strategic advisory, culminating in a complex case study analysis.
This sequence immerses students in the mechanics of borrowing money, focusing specifically on the distinctions between federal and private lending. Students begin by understanding the fundamental concepts of principal, interest, and capitalization before diving into the specific terms of Subsidized and Unsubsidized Direct Loans.
This sequence explores the long-term financial implications of student loans, focusing on repayment plans, budgeting, and return on investment (ROI). Students transition from understanding borrowing mechanics to simulating the real-world impact of debt on lifestyle and career choices.
A comprehensive unit for 9th-grade students exploring the differences between federal and private student loans. Students learn to navigate financial aid terminology, calculate interest accrual, and evaluate the long-term impact of borrowing decisions.
This sequence guides 11th-grade students through the complexities of student loans, from distinguishing loan types to calculating long-term interest and simulating repayment strategies based on career goals.
A higher-education and career-readiness sequence for 12th-grade students focused on using matrices to synthesize complex, conflicting, and multi-variable information. Students move from basic data organization to high-level comparative analysis and source evaluation.
A 5-lesson sequence for 11th graders on professional certifications, micro-credentials, and stackable pathways as a viable alternative or supplement to traditional higher education. Students research industry standards, navigate licensure logistics, and design a 5-year credentialing roadmap.
Students analyze the financial viability of post-secondary education by calculating total costs, exploring financial aid, and projecting return on investment based on career earnings. The sequence culminates in a strategic financial plan for a chosen educational path.
This sequence explores post-secondary education options beyond the traditional four-year degree, including trade schools, apprenticeships, coding bootcamps, and certificate programs. Students learn to evaluate the legitimacy of various programs and compare different career pathways based on cost, duration, and outcomes.
A comprehensive sequence for 11th-grade students to demystify financial aid and prepare for the FAFSA application process. Students will explore aid types, establish digital identities, navigate dependency rules, interpret tax documents, and build a strategic timeline for senior year.
A comprehensive sequence for 8th-grade transition planning, focusing on the practical skills needed for independent living, including budgeting, housing, transportation, and nutrition.
Students analyze the components of an auto policy, investigate factors influencing rates for teen drivers, and practice filing mock claims using real-world case studies. The sequence concludes with a comparative project to select optimal coverage for a first car.
A simulation-based unit where 11th-grade students practice navigating the FAFSA form sections, focusing on data accuracy, school selection strategy, and financial document analysis to prepare for their senior year applications.
This 11th-grade sequence guides students through the complexities of the FAFSA, focusing on dependency status, household composition, and asset reporting. Students will use case studies to navigate diverse family structures and financial scenarios to ensure accurate aid calculations.
A comprehensive sequence for 11th-grade students to navigate the complexities of federal financial aid, FAFSA eligibility, and the actual cost of college. Students will move from understanding aid types to calculating net prices and debunking common myths.
Students explore diverse post-secondary options, comparing vocational training, military service, apprenticeships, and college degrees through the lens of 'Return on Investment' (ROI). The sequence guides students from understanding basic credentials to mapping out a strategic backwards plan for their chosen career path.
An immersive simulation where students navigate the onboarding process of a new job, making critical decisions about taxes, benefits, and workplace rights to understand their impact on a final paycheck.
A 5-lesson unit for 9th graders exploring total compensation, including health insurance, paid time off, and retirement benefits, culminating in a comparative analysis of job offers.
A comprehensive unit for seniors to navigate the complexities of employer-sponsored health and insurance benefits, moving from basic vocabulary to full-scale benefit selection simulations.
A comprehensive 11th-grade sequence on workplace rights and compensation, covering market research, labor laws, benefit analysis, and negotiation strategies. Students progress from baseline research to active advocacy and contract finalization.
This sequence explores workplace benefits beyond salary, focusing on health insurance, retirement matching, and paid leave to help students calculate the true total compensation of a job offer.
A comprehensive 9th-grade financial literacy unit focused on insurance as a strategic tool for financial stability. Students explore budgeting for premiums, income protection, life insurance types, the ethics of fraud, and participate in a life-stage simulation to manage evolving risks.
A comprehensive 5-lesson sequence on financial literacy focusing on insurance, warranties, and healthcare coverage, using relatable contexts like smartphones and personal belongings.
A comprehensive 7th-grade financial literacy sequence focused on auto insurance. Students learn about liability, collision, and comprehensive coverage through case studies and simulations, culminating in an investigation of how individual factors influence insurance rates.
A gamified introduction to insurance, focusing on risk assessment, shared risk pools, and the trade-offs between premiums and deductibles. Students use simulations to understand how insurance provides a financial safety net.
This project-based sequence simulates the process of selecting health and property insurance as a young adult living independently. Students explore HMO vs. PPO networks, medical math (deductibles, copays), and the necessity of renters insurance, culminating in a comprehensive 'safety net' portfolio for a fictional character.
This sequence guides 11th-grade students through the complexities of health, life, and disability insurance. Students progress from mastering technical terminology and calculating medical costs to analyzing life-stage risks and building a comprehensive insurance portfolio for real-world scenarios.
A comprehensive 11th-grade financial literacy sequence covering the mechanics of auto and property insurance. Students explore risk probability, policy components, the math of premiums and deductibles, and apply their learning in a mock claims adjuster simulation.
A comprehensive 7-week curriculum designed to prepare high school students for the college transition, covering admission strategies, financial aid, and major-to-career pathways.
A comprehensive sequence for 11th-grade students focused on building long-term wealth through strategic asset allocation, diversification, and tax-advantaged accounts. Students progress from basic allocation principles to designing a personalized 40-year Investment Policy Statement.
This 11th-grade financial literacy sequence guides students through the complexities of capital markets. Students progress from understanding individual stocks and bonds to analyzing pooled investments like ETFs and mutual funds, ultimately developing the technical skills to read financial prospectuses and assess market risk and volatility.
A comprehensive financial literacy sequence for 10th graders focused on asset allocation, risk management, and long-term investment planning. Students progress from understanding personal risk to designing complex portfolios and tax-advantaged strategies.
This sequence explores the relationship between company ownership (equity) and financing. Students learn the mechanics of cap tables, valuation math, and negotiation strategies, preparing them to navigate the trade-offs between control and growth in a startup environment.
A comprehensive high school economics sequence that uses a gamified, simulation-based approach to teach the fundamentals of investing, market mechanics, and long-term wealth management. Students transition from understanding basic asset classes to building diversified portfolios and managing the psychological aspects of trading.
A comprehensive 11th-grade economics unit on building wealth through long-term investment strategies. Students explore asset classes, risk management, market analysis, and participate in a realistic portfolio simulation.
A comprehensive 9th-grade economics sequence focused on transitioning from basic savings to sophisticated investment strategies, asset allocation, and long-term wealth building. Students explore risk/reward, market volatility, and diversification through gamified activities and mathematical forecasting.
A comprehensive 10th-grade sequence focused on college affordability, teaching students to distinguish between sticker and net prices, use net price calculators, find scholarships, and calculate career ROI to build a financially sustainable college list.
A comprehensive 5-lesson unit for 11th graders focused on financial literacy in the college selection process. Students learn to navigate the complexities of college costs, calculate actual expenses using Net Price Calculators, evaluate financial aid packages, and assess the long-term Return on Investment (ROI) of their post-secondary choices.
A comprehensive 11th-grade unit exploring the mechanics of interest, credit systems, loan structures, and strategic debt management to build long-term financial stability.
This unit demystifies the transition from gross salary to net take-home pay, helping students understand earnings, mandatory taxes, and deductions. Students will learn to calculate gross pay, interpret tax forms, and audit their own paystubs for accuracy.
A comprehensive sequence for 11th-grade students exploring the mechanics of payroll, including gross vs. net income, tax withholdings, FICA contributions, and W-4 completion. Students develop the financial literacy skills needed to audit their own paystubs and understand the gap between earnings and take-home pay.
This sequence immerses 10th-grade students in the mechanics of workplace compensation, tracking the journey from gross salary to take-home pay. Students master tax form completion, calculate mandatory and voluntary deductions, and learn to audit paystubs for accuracy, equipping them with essential technical financial literacy for their future careers.
A comprehensive guide for 9th-grade students to master the basics of tax filing. Students progress from identifying key tax documents to completing a full 1040 simulation, understanding deductions, and learning filing logistics.
This sequence introduces 9th-grade students to the tax implications of the gig economy. It covers the differences between W-2 and 1099 work, the self-employment tax rate, expense tracking, and quarterly estimated payments, culminating in a tax strategy project.
This sequence introduces 9th-grade students to the mechanics of payroll taxes, the distinction between gross and net income, and the practical skills needed to navigate employment documentation like pay stubs and W-4 forms. Students will learn to calculate withholdings, decode tax acronyms, and audit paychecks for accuracy.
This sequence guides 7th-grade students through the practical aspects of tax filing, from understanding W-2s and timelines to completing a simplified mock tax return. Students will develop financial literacy skills by decoding IRS forms and understanding the mechanics of taxable income and deductions.
A simulation-based sequence where students learn the end-to-end process of filing federal income taxes. Students adopt personas, analyze wage documents, and complete a simplified Form 1040 to determine if they receive a refund or owe money.
This workshop-style sequence focuses on the practical math and documentation associated with earning an income. Students simulate the onboarding process of a new job, learning to complete a W-4 form, deciphering the difference between gross and net pay, and calculating specific withholdings to understand their final take-home pay.
A comprehensive sequence designed to equip 11th-grade students with the mindset and tools for lifelong career adaptability. Through trend analysis, resource exploration, and simulation games, students learn to navigate the shifting landscape of work, automation, and continuous education.
A comprehensive workshop-style sequence where students build dynamic financial models for startups. They progress from identifying core revenue drivers to building interconnected financial statements and conducting sensitivity analysis.
This high school entrepreneurship sequence focuses on the financial mechanics of a business plan. Students learn to calculate unit economics, estimate startup costs, determine break-even points, select revenue models, and build 12-month financial projections.
