Course Duration: 8 Weeks (Twice Weekly Sessions) Grade Level: High School Total Lessons: 16 Assessments: Quiz (Week 4, Lesson 8), Final Exam (Week 8, Lesson 16)
This course provides students with a foundational understanding of personal finance and how financial decisions impact their lives. Topics include banking, credit, financial responsibility, identity theft protection, auto finance, and financial documents. The course emphasizes real-world applications and culminates in a final exam.
Lesson 1: Jobs and Money - The New Job Market – Understanding changes in employment and what skills will be valuable in the future.
Lesson 2: Common Cents - A Lesson about Getting Banked or Staying Unbanked – Comparing traditional banking and alternative financial services.
Lesson 3: Money in the Bank - Getting to Your Money – Learning about checking accounts, debit cards, and fees.
Lesson 4: Money in the Bank - Your Best Interest – Introduction to savings accounts and interest.
Lesson 5: Money in the Bank - Your Best Interest 2 – Understanding compound interest and the Rule of 72.
Lesson 6: The Good Life – Credit – Introduction to credit, loans, and borrowing money responsibly.
Lesson 7: The Good Life - Credit and Personal Responsibility – Exploring the impact of credit scores and responsible borrowing.
Lesson 8: The Good Life - Your Money, Your Credit (Quiz at the End of Class) – Deep dive into managing credit and avoiding debt traps.
Lesson 9: Bounded Rationality - Everyone Makes Mistakes – How cognitive biases affect financial decision-making.
Lesson 10: Identity Theft – Learning how to protect personal financial information and recover from identity theft.
Lesson 11: Your Online Financial Life – Best practices for protecting online accounts and secure password management.
Lesson 12: The Impact of Financial Problems on a Person’s Well-being – Understanding stress, mental health, and financial decision-making.
Lesson 13: Preparing for an Automobile Accident – Financial and legal steps to take after a car accident.
Lesson 14: Buying and Leasing Cars – Weighing the financial pros and cons of leasing vs. buying a car.
Lesson 15: Balance Sheet – Understanding personal financial statements and budgeting.
Lesson 16: The Company Income Statement (Final Exam at the End of Class) – Introduction to income statements and financial literacy beyond personal finance.
Class Participation & Discussions: 25%
Midpoint Quiz (Lesson 8): 25%
Final Exam (Lesson 16): 50%
By the end of the course, students will:* Understand personal finance concepts including banking, credit, and financial responsibility.* Manage personal banking accounts and make informed choices about interest rates and credit.* Identify and protect themselves from financial risks like identity theft.* Understand the financial implications of owning a car, taking loans, and dealing with emergencies.* Analyze financial statements and develop a strong foundation in financial literacy.
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