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 two-week unit for 9th graders covering income, expenses, banking, credit, and real-world financial decision-making.
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 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.
A comprehensive 5-lesson sequence where 7th-grade students master the fundamentals of banking, from account selection and manual transaction tracking to reconciling bank statements and navigating digital security.
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.
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.
A project-based unit for 7th graders focusing on long-term financial strategy, risk management, and lifecycle-based investing. Students move beyond basic saving to building complex financial roadmaps and identifying market pitfalls.
A comprehensive unit for 7th-grade students on the mechanics of banking, interest rates, and creditworthiness. Students explore how financial institutions function and how personal financial decisions impact long-term economic power.
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.
This comprehensive 8th-grade sequence covers banking institutions, compound interest, credit scoring, and loan amortization. Students engage in inquiry-based case studies and simulations to understand how financial decisions impact long-term health.
A simulation-based journey where 7th graders step into the role of young adults managing their first finances. They explore bank accounts, the mathematics of compound interest, credit scores, and the real cost of borrowing through gamified challenges and case studies.
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 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 high school sequence focused on essential independent living skills, covering financial literacy, household management, and basic culinary independence.
A comprehensive sequence for 9th-grade students focused on early scholarship planning, database navigation, scam prevention, and organizational tracking systems.
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.
This case-study driven sequence focuses on consumer protection, equipping 8th-grade students with the knowledge to recognize scams and assert their legal rights. Students examine real-world examples of fraud, learn the specific functions of agencies like the FTC and BBB, and practice the soft skills required to resolve consumer disputes.
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.
A comprehensive media literacy unit for 7th graders that teaches students to identify, analyze, and deconstruct persuasive advertising techniques across various media platforms. Students progress from recognizing the frequency of ads to critiquing the psychological and visual strategies used to influence consumer behavior.
A comprehensive 9th-grade sequence focused on identifying financial fraud, understanding the psychology of scams, and building personal digital security habits. Students analyze case studies of famous frauds, practice identifying phishing attempts, and calculate the risks of pyramid schemes.
This sequence empowers 9th-grade students to navigate the complex world of consumer rights. It covers government regulatory agencies, the intricacies of warranties and digital contracts, and provides practical skills for resolving disputes through formal complaints and small claims court.
This financial literacy sequence teaches 9th-grade students how to make informed purchasing decisions through systematic research, unit price calculation, total cost of ownership analysis, and critical review evaluation. Students conclude by applying these skills in a weighted decision-matrix simulation to justify major purchases based on data.
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 investigation into the gig economy, contrasting traditional employment with independent contracting. Students analyze the economic, legal, and ethical implications of algorithmic management and worker classification, culminating in a formal legislative debate.
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 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.
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.
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 sequence for 9th-grade students exploring the principles of portfolio management, diversification, asset allocation, and rebalancing to build long-term financial security.
A comprehensive sequence for 9th-grade students on the mathematics of saving and investing. Through simulations, mental math shortcuts like the Rule of 72, and comparative case studies, students discover how time and consistency are the most powerful factors in building wealth.
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 workshop-style sequence for 9th-grade students focusing on building financial projections, unit economic models, and operating budgets for startup ventures. Students learn to translate single-unit sales into sustainable long-term business models through spreadsheet-based simulations and scenario planning.
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 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 three-session financial literacy course designed for transition-age young adults with special needs, focusing on income, expenses, tracking, and personal budgeting.
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 unit on credit card literacy, covering the types of cards, fees, rewards, and the impact of credit usage on financial health.
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.
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.
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.
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 5-lesson sequence for 9th graders introducing college affordability, financial aid types, and budgeting through gamified activities and real-world comparisons.
A comprehensive introduction to financial management for 9th-grade entrepreneurs, focusing on cash flow, burn rate, and runway through the lens of a startup simulation. Students learn to navigate the 'valley of death' by managing expenses and forecasting survival.
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 sequence on property insurance, focusing on renters insurance, personal property inventories, valuation methods (ACV vs. Replacement Cost), and liability protection for 9th-grade students.
A comprehensive unit on health insurance for 9th-grade students, covering essential terminology, provider networks, document literacy, and strategic plan selection. Students learn to navigate the financial complexities of the US healthcare system to make informed choices.
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 comprehensive 9th-grade sequence on insurance fundamentals, covering risk management, probability, risk pooling, and the financial mechanics of premiums and deductibles. Students move from abstract probability games to real-world claims calculations.
A comprehensive 5-lesson sequence for 7th-grade students exploring the intersection of insurance, budgeting, and emergency savings. Students learn to categorize insurance as a financial obligation and build a 'disaster-proof' personal budget.
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.
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 designed to guide 9th-grade students through the process of crafting persuasive personal statements for scholarships. Students move from self-reflection and inventorying their strengths to analyzing mentor texts, mastering the 'Show, Don't Tell' technique, and refining their drafts through peer review.
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 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.
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 8th-grade transition planning, focusing on the practical skills needed for independent living, including budgeting, housing, transportation, and nutrition.
A comprehensive 9th-grade unit exploring diverse post-secondary pathways, including four-year universities, community colleges, vocational schools, and military service, to help students align their education with their career goals.
A four-session personalized coaching series designed to help students with low motivation and self-esteem explore career options and college types. Through guided activities, self-reflection, and research, students will build confidence in making informed decisions.
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.
Students explore the core components of business planning by deconstructing successful brands, mapping value propositions, tracing supply chains, and analyzing revenue models. The sequence culminates in a SWOT analysis evaluation of a local business scenario to determine its real-world viability.
A comprehensive unit on financial literacy for young entrepreneurs, focusing on cost analysis, unit economics, revenue models, and break-even projections to determine business viability.
This sequence guides 9th-grade students through the financial foundations of a business plan. Students learn to categorize costs, evaluate diverse revenue models, set strategic prices, and perform break-even analyses to determine the financial feasibility of an entrepreneurial venture.
A comprehensive 5-lesson unit for 7th graders on understanding paycheck deductions, taxes, and the difference between gross and net income. Students progress from basic definitions to auditing pay stubs and budgeting with real take-home pay.
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.
An inquiry and math-focused sequence for 8th-grade students exploring the mechanics of tax liability. Students learn about marginal tax brackets, deductions, credits, and self-employment taxes through skill-building exercises, case studies, and a strategic simulation game.
