High School Personal Finance (45 Days)

The foundation for every money decision: what financial literacy is, how opportunity cost works, and how to set goals.

Students learn to compare products, recognize marketing tactics, and spot scams, so every purchase is an informed one.

Students learn how income, paycheck deductions, and taxes work, and what their earnings can actually buy.

Students build and manage a budget that covers their expenses and prepares them for emergencies.

Students learn how banking works, how to choose and manage an account, and how to send and receive money safely.

Students learn how credit and loans work, how to use credit cards responsibly, and how to build a strong credit score.

Students learn why investing matters, what their options are, and how compounding grows their money over time.

Starting early is students' biggest advantage. They weigh risk against reward and learn what 401(k)s and IRAs actually do.

Students learn how risk works, how to read a policy, and what coverage they actually need for the life they're building.

Students explore career paths, learn to navigate the job market, and see the difference between hard and soft skills.

Students find the true cost of college, navigate FAFSA and loans, and explore paths that don't start with a four-year degree.

Put it all together. Students step into a real-world financial simulation, making the same decisions adults face every day.