From first money habits to financial independence.

1. What Is Money?
   • Purpose of money
   • Forms of money
   • Medium of exchange
   • Store of value
   • Unit of account
2. Why Does Money Have Value?
   • Trust in money
   • Fiat money
   • Purchasing power
   • Inflation introduction
3. Needs vs. Wants
   • Identifying needs
   • Identifying wants
   • Prioritizing spending
   • How circumstances affect needs and wants
4. Scarcity and Choice
   • Limited resources
   • Money, time, materials, and natural resources
   • Why scarcity requires choices
5. Opportunity Cost
   • Trade-offs
   • Giving something up to choose something else
   • Comparing choices
6. How People Earn Money
   • Jobs
   • Wages
   • Salaries
   • Businesses
   • Other basic income sources
7. How Businesses Make Money
   • Customers
   • Revenue
   • Expenses
   • Profit
8. How Money Moves Through the Economy
   • Consumers
   • Businesses
   • Workers
   • Banks
   • Government

Unit 1 Review & Assessment

1. What Is Income?
2. Types of Income
3. Jobs and Wages
4. Salary vs. Hourly Pay
5. Gross vs. Net Income
6. Understanding a Basic Paycheck
7. Introduction to Entrepreneurship
8. Skills, Education & Income

Unit 2 Review & Assessment

1. Why People Save
2. Short-Term vs. Long-Term Savings
3. Setting a Savings Goal
4. Creating a Savings Plan
5. Saving a Percentage of Income
6. Emergency Savings
7. Interest and How Savings Can Grow
8. Making Saving a Habit

Unit 3 Review & Assessment

1. What Is a Bank?
2. Checking Accounts
3. Savings Accounts
4. Deposits and Withdrawals
5. Debit Cards
6. ATMs
7. Bank Account Balances
8. Keeping Your Money and Account Information Safe

Unit 4 Review & Assessment

1. What Is a Budget?
2. Income and Expenses
3. Fixed vs. Variable Expenses
4. Creating a Simple Budget
5. Tracking Spending
6. Planning Before Spending
7. Saving vs. Spending
8. Adjusting a Budget

Unit 5 Review & Assessment

1. Being a Smart Consumer
2. Comparing Prices
3. Unit Prices
4. Sales and Discounts
5. Advertising and Marketing
6. Impulse Purchases
7. Reviews and Product Research
8. Making Informed Purchases

Unit 6 Review & Assessment

1. Protecting Personal Information
2. Password and Account Safety
3. What Is Identity Theft?
4. Common Financial Scams
5. Online Shopping Safety
6. Recognizing Suspicious Messages
7. What to Do If Something Goes Wrong

Unit 7 Review & Assessment

1. How Financial Decisions Work
2. Comparing Your Options
3. Costs and Benefits
4. Short-Term vs. Long-Term Consequences
5. Financial Goals
6. Making a Financial Plan
7. Learning From Financial Mistakes
8. Building Healthy Money Habits

1. Reviewing Income and Expenses
2. Building a Monthly Budget
3. Fixed, Variable & Periodic Expenses
4. Budget Categories
5. Tracking Transactions
6. Budgeting With Irregular Income
7. Adjusting a Budget
8. Financial Priorities

1. Why Financial Goals Matter
2. SMART Financial Goals
3. Short-, Medium- & Long-Term Goals
4. Emergency Funds
5. Saving Strategies
6. Simple Interest
7. Compound Interest
8. Time and Money Growth

1. Choosing a Financial Institution
2. Banks vs. Credit Unions
3. Checking Accounts
4. Savings Accounts
5. Debit Cards
6. Electronic Payments and Transfers
7. Mobile and Online Banking
8. Reading a Bank Statement
9. Bank Fees
10. Reconciling Your Transactions

1. What Is Credit?
2. Borrowing Money
3. Credit Cards
4. Loans
5. Principal and Interest
6. Interest Rates
7. Minimum Payments
8. Good Debt vs. Risky Debt
9. Consequences of Debt
10. Responsible Borrowing

1. Saving vs. Investing
2. Why People Invest
3. Risk and Return
4. Stocks
5. Bonds
6. Funds
7. Diversification
8. Compound Growth
9. Long-Term Investing
10. Investment Scams and Risk

1. Why Taxes Exist
2. Types of Taxes
3. Income Taxes
4. Payroll Taxes
5. Sales Taxes
6. Gross vs. Net Pay
7. Reading a Pay Stub
8. Tax Withholding
9. Introduction to Filing Taxes

1. Career Exploration
2. Skills and Interests
3. Education and Training
4. Comparing Career Paths
5. Salary and Compensation
6. Employee Benefits
7. Part-Time Jobs
8. Resumes and Applications
9. Understanding Job Offers
10. Career and Income Growth

1. What Is Entrepreneurship?
2. Finding a Business Idea
3. Identifying a Problem & Customer
4. Business Models & How Businesses Make Money
5. Startup Costs & Pricing
6. Revenue, Expenses & Profit
7. Branding & Marketing
8. Basic Business Taxes & Legal Considerations
9. Business Banking & Recordkeeping
10. Creating a Simple Business Plan
11. Launching & Growing a Business
12. Entrepreneurship Project / Business Pitch

1. Identity Theft
2. Phishing
3. Online Scams
4. Payment Scams
5. Fraud Warning Signs
6. Protecting Financial Accounts
7. Consumer Rights
8. Reporting Fraud
9. Evaluating Financial Offers

1. Building a Realistic Monthly Budget
2. Cash Flow
3. Net Cash Flow
4. Irregular Income
5. Essential vs. Discretionary Expenses
6. Sinking Funds
7. Emergency Funds
8. Handling Unexpected Expenses
9. Budget Adjustments
10. Building a Financial System

1. Comparing Banks and Credit Unions
2. Account Terms and Conditions
3. Banking Fees
4. APY and Interest
5. Online Banks
6. Payment Systems
7. Peer-to-Peer Payments
8. Checks
9. Overdrafts
10. Choosing Financial Products

1. How Credit Works
2. Credit Reports
3. Credit Scores
4. Factors Affecting Credit
5. Payment History
6. Credit Utilization
7. Length of Credit History
8. Credit Inquiries
9. Reviewing a Credit Report
10. Building Credit Responsibly
11. Credit Mistakes and Recovery

1. Understanding Loans
2. Principal
3. APR
4. Loan Terms
5. Secured vs. Unsecured Debt
6. Credit Card Debt
7. Auto Loans
8. Student Loans Introduction
9. Buy Now, Pay Later
10. Comparing Loan Offers
11. Debt Repayment Strategies
12. Predatory Lending

1. Why People Invest
2. Risk vs. Return
3. Stocks
4. Bonds
5. Mutual Funds
6. ETFs
7. Index Funds
8. Diversification
9. Asset Allocation
10. Compound Growth
11. Market Volatility
12. Long-Term Investing
13. Introduction to Retirement Accounts
14. Investment Fraud

1. Why We Pay Taxes
2. Federal Income Tax
3. State and Local Taxes
4. Payroll Taxes
5. Tax Brackets
6. Marginal Tax Rates
7. Taxable Income
8. Deductions vs. Credits
9. W-2 Forms
10. 1099 Forms
11. Filing a Basic Tax Return
12. Tax Refunds and Tax Bills

1. Choosing a Career Path
2. Education vs. Career Training
3. College, Trade School & Apprenticeships
4. Salary Research
5. Comparing Job Offers
6. Employee Benefits
7. Health Insurance Benefits
8. Retirement Benefits
9. Paid Time Off
10. Negotiating Compensation
11. Workplace Taxes and Withholding
12. Career Advancement

1. Identifying Market Opportunities
2. Market Research
3. Target Customers
4. Value Propositions
5. Business Models
6. Startup Costs
7. Revenue Models
8. Pricing Strategies
9. Profit Margins
10. Cash Flow
11. Business Banking
12. Bookkeeping
13. Business Taxes
14. Marketing & Customer Acquisition
15. Business Growth
16. Build-a-Business Project

1. What Is Insurance?
2. Risk
3. Premiums
4. Deductibles
5. Coverage Limits
6. Health Insurance
7. Auto Insurance
8. Renters Insurance
9. Homeowners Insurance Introduction
10. Life Insurance Introduction
11. Comparing Insurance Policies

1. Buying a Vehicle
2. Financing a Vehicle
3. Leasing vs. Buying
4. Renting
5. Security Deposits
6. Utilities
7. Contracts
8. Subscriptions
9. Major Purchases
10. Comparing Total Cost
11. Avoiding Financial Traps

1. Transitioning to Financial Independence
2. Building Your Financial System
3. Managing Monthly Cash Flow
4. Financial Priorities
5. Emergency Funds
6. Financial Goal Setting
7. Automating Your Finances
8. Building Financial Resilience

1. Understanding Compensation
2. Reading a Pay Stub
3. Withholding
4. W-4 Forms
5. W-2 Forms
6. 1099 Income
7. Employee vs. Independent Contractor
8. Filing Income Taxes
9. Tax Deductions
10. Tax Credits
11. Recordkeeping
12. Avoiding Tax Scams

1. Building Credit
2. Managing Credit Cards
3. Credit Utilization
4. Credit Reports
5. Credit Scores
6. Loan Applications
7. APR and Total Borrowing Cost
8. Debt Repayment
9. Refinancing
10. Cosigning
11. Collections
12. Bankruptcy Introduction
13. Avoiding Predatory Debt

1. Understanding the Cost of College
2. Comparing Colleges Financially
3. FAFSA
4. Grants
5. Scholarships
6. Federal Student Loans
7. Private Student Loans
8. Interest on Student Loans
9. Work-Study
10. Comparing Financial Aid Offers
11. Student Loan Repayment
12. Alternatives to Traditional College
13. Calculating Education ROI

1. Cost of Living
2. Renting an Apartment
3. Rental Applications
4. Leases
5. Security Deposits
6. Utilities
7. Renters Insurance
8. Roommates and Shared Expenses
9. Buying vs. Renting
10. Introduction to Mortgages
11. Down Payments
12. Property Taxes and Homeownership Costs

1. Transportation Costs
2. Buying a Car
3. Used vs. New Vehicles
4. Auto Loans
5. APR
6. Down Payments
7. Leasing
8. Auto Insurance
9. Fuel and Maintenance
10. Depreciation
11. Total Cost of Ownership

1. Risk Management
2. Health Insurance
3. Premiums and Deductibles
4. Copays and Coinsurance
5. Auto Insurance
6. Renters Insurance
7. Homeowners Insurance
8. Life Insurance
9. Disability Insurance
10. Choosing Appropriate Coverage

1. Setting Investment Goals
2. Risk Tolerance
3. Stocks
4. Bonds
5. ETFs and Mutual Funds
6. Index Investing
7. Asset Allocation
8. Diversification
9. Brokerage Accounts
10. 401(k)s
11. Employer Matches
12. Traditional IRAs
13. Roth IRAs
14. Compound Growth
15. Inflation
16. Building Long-Term Wealth
17. Avoiding Investment Scams

1. Entrepreneurship as a Career
2. Validating a Business Idea
3. Market Research
4. Business Plans
5. Business Structures
6. Startup Funding
7. Business Banking
8. Revenue and Expenses
9. Profit and Cash Flow
10. Pricing
11. Bookkeeping
12. Business Taxes
13. Self-Employment Taxes
14. Invoicing and Payments
15. Marketing
16. Customer Acquisition
17. Scaling a Business
18. Managing Business Risk
19. Separating Business and Personal Finances
20. Final Business Plan / Venture Project

1. Consumer Rights
2. Contracts
3. Warranties
4. Identity Theft
5. Credit Freezes
6. Financial Fraud
7. Online Scams
8. Investment Scams
9. Loan Scams
10. Protecting Financial Accounts
11. Disputing Incorrect Charges
12. Reporting Fraud

1. Building a Financial Plan
2. Setting Long-Term Goals
3. Net Worth
4. Assets and Liabilities
5. Increasing Income
6. Managing Expenses
7. Building Assets
8. Managing Debt
9. Saving and Investing Together
10. Retirement Planning
11. Inflation and Purchasing Power
12. Major Life Events
13. Updating Your Financial Plan
14. Defining Personal Financial Success