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Personal Finance

Making Personal Finance Decisions Curriculum

OVERVIEW

This curriculum is a set of 20 lessons that cover 10 personal finance concepts. The lessons are grounded in economic theory and employ a variety of teaching strategies to equip students with the knowledge and skills necessary to make informed personal finance decisions.

Grade Level

Unit One: Thinking Economically

In this unit, students play “The Wealth Game” and are introduced to the PACED decisionmaking model.

Lesson 1A

Lesson 1B


Unit Two: Planning and Tracking

In this unit, students play the inventory game and learn ways that investments can earn a return.

Lesson 2A

Lesson 2B


Unit Three: Earning Income

In this unit, students learn about the importance of human capital in increasing a person's productivity and get a taste for entrepreurship.

Lesson 3A

Lesson 3B


Unit Four: Paying Taxes

In this unit, students learn about taxes, public vs. private goods, and the role government plays in providing goods and services.

Lesson 4A

Lesson 4B


Unit Five: Budgeting

In this unit, students learn how to establish a budget and see how budgeting is an allocation problem.

Lesson 5A

Lesson 5B


Unit Six: Saving

In this unit, students learn about time preferences, simple and compound interest, and why it's important to save.

Lesson 6A

Lesson 6B


Unit Seven: Spending

In this unit, students learn about spending decisions and saving rates.

Lesson 7A

Lesson 7B


Unit Eight: Investing

In this unit, students are introduced to investment risk and evaluate investment options.

Lesson 8A

Lesson 8B


Unit Nine: Borrowing

In this unit, students learn about capacity, character, and collateral and weigh the benefits and costs of credit.

Lesson 9A

Lesson 9B


Unit Ten: Protecting

In this unit, students learn about protecting themselves from identity theft and investigate whether insurance is worth buying.

Lesson 10A

Lesson 10B


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