Personal Financial Literacy

Personal Financial Literacy is a semester-length elective designed to help high school students prepare for success in making financial decisions throughout their lives. Topics in the course address the advantages of making sound financial decisions in both the short and long term, income planning, money management, saving and investing, and consumer rights and responsibilities.

  • Financial Responsibility and Decision-making: This unit helps students gain knowledge about money and what they can do with money. Students will learn that it's important to become financially literate, so they can make smart financial decisions about sales and purchases, credit, investments and budgets.
  • Careers and Income: This unit introduces students to information about careers, concepts to know before starting a business, sources of income, and paying income taxes.
  • Money Management: Budgets and spending as well as financial institutions and the tools they offer are the focus of this unit. Students will also learn about financial risks and strategies to manage them.
  • Saving and Investing: Students will learn about the benefits of opening a saving account, types of interest, investing, and financial planning and the elements a plan should include.
  • Credit, Debt, and Consumer Skills: This unit discusses credit, loans, and consumer rights. Students will learn about credit cards and the costs and hazards of using them. Loans and mortgages will also be reviewed as will consumer rights and protections.

State: National
Grade Level: 9, 10, 11, 12
Category: History & Social Sciences
Course Length: Semester