High School

Personal Financial Literacy

.5 Credits

18 weeks

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Coursework

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Digital Badge

Course Description:
Learning to make sound financial decisions is one of the most important lessons a student can learn. In this course, students will learn financial decision-making skills using real-life applications and data. The primary content for the course focuses on learning the ideas, concepts, knowledge, and skills that will enable students to implement beneficial personal decision-making choices; to become wise, successful, and knowledgeable consumers, savers, investors, users of credit and money managers; and to be participating members of a global workforce and society. Personal Financial Literacy is a half-credit (0.5) elective and offers an option for students to receive honors credit.

During this course, you will learn career-related skills and earn a badge for this accomplishment. A badge is a digital certification of your career-related learning that you can share on social media or with higher education platforms, colleges, potential employers, peers, and colleagues. Select this link to learn more about badges.

Competencies

Factors Influencing Career Choices

Students will demonstrate an understanding of the factors influencing career choices by summarizing factors influencing career choices, explaining factors impacting earning, explaining the impact of paying taxes, and describing the importance of a budget.

The Time to Spend and Save

Students will demonstrate an understanding of the time to spend and save by describing factors influencing consumer purchasing decisions, explaining considerations for saving money, explaining the purpose of government regulations, and describing interest rates and inflation.

The Use of Credit

Students will demonstrate an understanding of the use of credit by describing types of credit, describing types of personal loans, explaining the relationship between credit reports and credit scores, and explaining the management of debt.

Managing Risk

Students will demonstrate an understanding of managing risk by describing options to grow the money, explaining the connection between taking risks and growing the money, describing the types of insurance, and explaining avoidance of identity theft.

Major Topics and Concepts

Module 01: Education, Careers, and Income

01.00 Welcome to Personal Financial Literacy
01.01 Education and Training
01.02 Earning an Income
01.03 Paying Taxes
01.04 Why Budget?
01.05 Education, Careers, and Income Review and Discussion-Based Assessment
01.06 Education, Careers, and Income Exam

Module 02: A Time to Spend, A Time to Save

02.00 A Time to Spend, A Time to Save Pretest
02.01 Be a Smart Consumer
02.02 Saving Your Money
02.03 Government Regulation
02.04 Interest Rates and Inflation
02.05 Savings Impacts Honors
02.06 A Time to Spend, A Time to Save Review and Discussion-Based Assessment
02.07 A Time to Spend, A Time to Save Exam

Module 03: Understanding Credit

03.00 Understanding Credit Pretest
03.01 Credit Cards
03.02 Car, Home, and Student Loans
03.03 Credit Reports and Scores
03.04 Managing Debt
03.05 Fiscal Policy and Economic Growth Honors
03.06 Understanding Credit Review and Discussion-Based Assessment
03.07 Understanding Credit Exam

Module 04: Managing Risk

04.00 Managing Risk Pretest
04.01 Growing Your Money
04.02 Taking Risks
04.03 Insurance
04.04 Identity Theft
04.05 Analyzing Data Honors
04.06 Managing Risk Review and Discussion-Based Assessment