Embark on a comprehensive journey with our all-inclusive package! Dive into the world of finances, earning, saving, and investing while navigating through real-life adult scenarios in this engaging and interactive course.

Financial literacy, the cornerstone of this program, empowers individuals with the essential skills to manage and invest money effectively.

Throughout this weekly class, students will be immersed in practical money situations, mastering the intricacies of personal finance including saving, budgeting, bill payment, income generation, and investment strategies. In today's complex financial landscape, understanding both the opportunities and pitfalls is crucial. Our curriculum addresses this by equipping students with the tools to navigate financial systems, avoid scams, and make informed spending decisions.

Through hands-on activities, students will simulate real-world financial scenarios, managing virtual checking, savings, and credit card accounts, practicing timely bill payment, and making wise spending choices. Reflecting on my own experience and that of many adults, I recognize the gap in financial education provided in traditional schooling. This program aims to bridge that gap, empowering students with the knowledge and skills they need for financial success.

I am thrilled to introduce this transformative and interactive tool into our classroom, paving the way for a brighter, financially literate future for all our students. Let's embark on this journey together and unlock the doors to financial empowerment!"

We will begin each lesson with an introduction to the weekly topic, have a classroom discussion and then work within the simulation program. 

C L A S S   S C H E D U L E

FINANCIAL LITERACY UNITS
Unit 1:   Unit Introduction - Budgeting, Saving, and Spending
Unit 2:  Introduction to Investing
Unit 3:  Credit Cards and Debt
Unit 4:  Employment and Income
Unit 5:  Financial Risks and Insurance
Supplement Topic:  Starting your Own Business
Supplement Topic:  Bankrutpcy 

C L A S S  S T R U C T U R E
Welcome to Class (5 minutes)
Weekly Financial Report (5 minutes)
Weekly Class Topic (20minutes)
Financial Lab Simulation (15 minutes)


🌟S T A R T I N G     S E P T E M B E R  2 0 2 4🌟

🚩 2024 - 2025  F U L L  Y E A R  C O U R S E  T O P I C S   S C H E D U L E 🚩
Topics rotate but students may join at anytime. 

G E T T I N G   S T A R T E D (New enrolled students should complete these assignments in the simulation) 
Topic 1:  Introduction of Budget Simulation - Budget Game Actions
📝Assignment: Watch Video - Budget Game Overview
📝Assignment: Watch Video - Credit Score Tutorial
📝Assignment: Watch Video - Net Worth
📝Assignment: Watch Video - Quality of Life
📝Assignment: Watch Video - Savings Goals
📝Assignment: Watch Video - Your Weekend Choice
📝Assignment: Budget Game - Study
📝Assignment: Budget Game - Transfer Money
📝Assignment: Budget Game - Earn More Money
📝Assignment: Budget Game - Household
📝Assignment: Budget Game - Socialize
📝Assignment: Budget Game - Credit Card Purchase
📝Assignment: Budget Game - Credit Card Payment
📝Assignment: Budget Game - Complete a Full Month

Unit 1 - Budgeting and Spending Plans
Week of September 1: Introduction to Budgeting
Week of September 8: Budgeting Basics
Week of September 15: No Class
Week of September 22: Setting Financial Goals
Week of September 29: Personal Finance Apps
Week of October 1 - Personal Finance Lab Budget Game
Week of October 6: Creating a Simple Budget
Week of October 13: Understanding Money
Week of October 20: Understanding Coins and Bills
Week of October 27: Income Sources
Week of November 3: No Class
Week of November 10: Financial Vocabulary
Week of November 17: Basic Math Skills for Finance
Week of November 24: Saving Money
Week of December 1: Spending Wisely
Week of December 8: Needs vs. Wants
Week of December 15: Spending Plans
Week of December 22: Savings Goals
Week of December 29: Maintaining a Budget
Week of January 5: Budget Adjustments
Week of January 12: Tracking Expenses
Week of January 19: Emergency Funds
Week of January 26: Responsible Spending
Week of February 2: Researching Purchases
Week of February 9: Price Comparisons
Week of February 16: Shopping Wisely
Week of February 23: Understanding Discounts
Week of March 1: Long-Term Savings
Week of March 8: Simple Interest
Week of March 15: Future Planning
Week of March 22: Retirement Savings
Week of March 29: Savings vs. Spending
Week of April 5: Buying a Home
Week of April 12: Understanding Mortgages
Week of April 19: Community and Money
Week of April 26: Money and Happiness
Week of May 3: Financial Responsibility

Unit 2: Investing
Week of May 10: Introduction to Investing
Week of May 17: Understanding Financial Risks
Week of May 24: Financial Planning
Week of May 31: Investment Goals
Week of June 7: Investing Overview
Week of June 14: How the Stock Market Works
Week of June 21: Introduction to Stocks
Week of June 28: Understanding Stock Quotes
Week of July 5: Stock Market Terms
Week of July 12: Stock Market Games
Week of July 19: Researching Stocks
Week of July 26: Company Research
Week of August 2: Financial News
Week of August 9: Using Financial Reports
Week of August 16: Evaluating Investment Strategies
Week of August 23: Types of Securities
Week of August 30: Mutual Funds
Week of September 6: Bonds
Week of September 13: ETFs
Week of September 20: Real Estate Investments
Week of September 27: Managing a Portfolio
Week of October 4: Diversification
Week of October 11: Risk Management
Week of October 18: Portfolio Review
Week of October 25: Investment Tools
Week of November 1: Business Cycle
Week of November 8: Economic Indicators
Week of November 15: Impact on Investments
Week of November 22: Market Trends
Week of November 29: Economic Forecasting
Week of December 6: Investment Overview
Week of December 13: Investment Strategies
Week of December 20: Financial Goals
Week of December 27: Introduction to Wealth Building
Week of January 3: Ethical Investing
Week of January 10: Investment Supplements
Week of January 17: Financial Literacy Games
Week of January 24: Libraries and Finance
Week of January 31: Online Financial Courses

Unit 3: Credit Cards and Debt
Week of February 7: Introduction to Credit
Week of February 14: Credit Cards vs. Debit Cards
Week of February 21: Credit Reports
Week of February 28: Credit Scores
Week of March 7: Building Credit
Week of March 14: Buying a Car
Week of March 21: Car Loans
Week of March 28: Loan Terms
Week of April 4: Comparing Car Prices
Week of April 11: Budgeting for a Car
Week of April 18: Types of Loans
Week of April 25: Loan Application Process
Week of May 2: Interest Rates
Week of May 9: Repayment Plans
Week of May 16: Loan Management
Week of May 23: Using Credit Cards
Week of May 30: Credit Card Fees
Week of June 6: Credit Card Rewards
Week of June 13: Credit Report Monitoring
Week of June 20: Credit Card Applications
Week of June 27: Managing Debt
Week of July 4: Debt Consolidation
Week of July 11: Debt Payment Plans
Week of July 18: Debt and Mental Health
Week of July 25: Avoiding Debt Traps

Unit 4: Employment and Income
Week of August 1: Career Planning
Week of August 8: Income Types
Week of August 15: Employment Rights
Week of August 22: Job Opportunities
Week of August 29: Earning Money
Week of September 5: Using a Bank
Week of September 12: Opening a Savings Account
Week of September 19: Bank Statements
Week of September 26: Understanding Bank Fees
Week of October 3: Online Banking
Week of October 10: Introduction to Taxes
Week of October 17: Income Tax
Week of October 24: Tax Deductions
Week of October 31: Filing Taxes
Week of November 7: No Class
Week of November 14: Tax Refunds
Week of November 21: Starting a Career
Week of November 28: Job Applications
Week of December 5: Resume Writing
Week of December 12: Job Interviews
Week of December 19: Career Advancement
Week of December 26: Building Wealth
Week of January 2: Financial Independence
Week of January 9: Wealth Management
Week of January 16: Charitable Giving
Week of January 23: Family Budgeting
Week of January 30: Income and Expenses
Week of February 6: Financial Responsibility
Week of February 13: Impulse Buying
Week of February 20: Money and Relationships

Unit 5: Financial Risks and Insurance
Week of February 27: Introduction to Insurance
Week of March 6: Health Insurance
Week of March 13: Life Insurance
Week of March 20: Property Insurance
Week of March 27: Insurance Terms
Week of April 3: Liability Insurance
Week of April 10: Auto Insurance
Week of April 17: Homeowners Insurance
Week of April 24: Renters Insurance
Week of May 1: Insurance Claims
Week of May 8: Health Insurance Plans
Week of May 15: Life Insurance Policies
Week of May 22: Disability Insurance
Week of May 29: Long-Term Care Insurance
Week of June 5: Beneficiaries
Week of June 12: Financial Decision Making
Week of June 19: Avoiding Scams
Week of June 26: Financial Ethics
Week of July 3: Protecting Personal Information
Week of July 10: Financial Safety Nets
Week of July 17: Financial Records
Week of July 24: Budgeting Tools
Week of July 31: Financial Apps
Week of August 7: Document Organization
Week of August 14: Digital Record Keeping
Week of August 21: Post-Graduation Finances
Week of August 28: First Job Finances



U N I T S  -  L E A R N I N G  G O A L S - T O P I C S 

Unit 1:  Budgeting and Spending Plans
In this lesson we will be learning about both budgets and spending plans.  
We will be able to tell what the different parts of each are and when to use either.  
We will be looking at other peoples’ budgets and saving plans to evaluate how to create one.  
We will leave with the tools and the skills to create our own personal budget and spending plan.
Lesson 1.1: Introduction to Budgeting
Lesson 1.2: Understanding Money & Wealth
Lesson 1.3: Spending and Savings Plan
Lesson 1.4: Maintaining a Budget
Lesson 1.5: Researching Purchases
Lesson 1.6:  Long-Term Savings
Lesson 1.7:  Buying a Home

By the end of the unit, students should be able to...
• Define budget and spending plan
• Identify parts of a budget and spending plan
• Create a personal and family budget
• Allocate funds into different sub categories

Unit 2:  Investing
In this lesson we will be learning about the basics of investing. 
We will learn about different types of investments such as stocks, mutual funds and bonds.  
We will assess the different risks that come with each type of investment and determine when it is a good idea to invest.  
We will learn the importance of researching companies and investing based on what we know. 
We will learn how to identify our financial goals and how to create an investment portfolio that works toward them.
Lesson 2.1: Intro to Investing
Lesson 2.2:  How the Stock Market Works
Lesson 2.3:  How to Research Stocks
Lesson 2.4:  Different Types of Securities
Lesson 2.5:  How to Manage Your Portfolio
Lesson 2.6:  Business Cycle
Lesson 2.7:  Investing Overview
Lesson 2.8:  Supplements

Students will progress through Assignments and Assessments as part of the PersonalFinanceLab curriculum library,  and begin building their portfolio in the PersonalFinanceLab Stock Game. Students will continue to progress through the PersonalFinanceLab Budgeting Game.

By the end of the lesson, students will:
● Understand the basics of how to grow their wealth
● Identify various scams
● Understand the importance of not falling victim to a scam
● Protect themselves from financial scams


Unit 3:  Credit Cards and Debt
In this lesson we will learn about the basics of what a credit card is and the different responsibilities that come with owning a credit card. 
We will learn about what both a credit report and credit score are and the impact they have on someone's finances.  
We will be able to define key terms such as credit score and credit report. 
We will be able to determine different events that either improve or harm someone's credit. 
We will understand the purpose of a credit card and the responsibilities that come with owning a credit card.

Lesson 3.1 - Intro to Credit
Lesson 3.2 - Buying a Car
Lesson 3.3 - Other Types of Loans
Lesson 3.4 - Credit Cards and Credit Reports
Lesson 3.5 - Managing Debt
Lesson 3.6 - Mid-Way Projects - Simulation Review

By the end of the lesson, students will:
● Define key terms such as credit score and credit report.
● Determine different events that either improve or harm someone's credit.
● Understand the purpose of a credit card.
● Understand the responsibilities that come with owning a credit card.
● Be able to implicitly and explicitly think about situations that will either improve
or harm their credit and explain why.


Unit 4:  Employment and Income
In this lesson we will be learning about both income, compensation and employment.  
We will learn about the difference between direct and indirect compensation. 
We will have a basic understanding of income tax and the different ways of filing their taxes. 
We will learn some best practices for starting their career. 
We will learn about the importance of saving for retirement.

Lesson 4.1 - Career & Income
Lesson 4.2 - Intro to Bank Accounts 
Lesson 4.3 - Intro to Taxes
Lesson 4.4 - Starting Your Career
Lesson 4.5 - Building & Sharing Wealth
Lesson 4.6 - Responsible Income & Spending Behaviors

By the end of the lesson, students will:
● Define different types of income
● Understand consumer and employment rights and responsibilities
● Understand debit cards and bank accounts
● Have a basic understanding of income tax
● Know how to develop a career plan that supports their long-term financial goals


Unit 5:  Financial Risks and Insurance
In this lesson we will be learning about financial decision making. 
● We will learn how to protect ourselves against fraud and financial scams. 
● We will learn the importance of mitigating financial  risks. 
● We will be able to identify common types of risks and basic risk management methods. 
● We will learn the basics of insurance. 

Lesson 5.1 - Insurance Basics
Lesson 5.2 - Liability Insurance
Lesson 5.3 - Health and Life Insurance
Lesson 5.4 - Financial Decision Making
Lesson 5.5 - Managing Financial Records
Lesson 5.6 - Life After Graduation

By the end of the lesson, students will:
● Understand the concept of opportunity cost when making financial decisions
● Understand the financial risks of investing their money
● Understand the importance of insurance to mitigate risk


Topic 2:  Money Personality Quiz
Activity - Students will take a quiz to identify their spending habits

Unit 1:   Unit Introduction - Budgeting, Saving, and Spending
Lesson 1:1  Introduction to Budgeting
Class Discussion - Budgeting
Video:  Needs vs. Wants
Read Lesson: : All About Budgeting
Interactive: Budget Simulation
Assignment: Budget and Spending Strategies
	
Lesson 1:2  Understanding Money and Wealth
Class Discussion - Money and Wealth
Read Lesson:  What is Money?
Read Lesson:  What is Wealth?
Read Lesson: Savings Growth and Compound Interest Calculator
Interactive: Budget Simulation

Lesson 1:3  Spending and Saving Plans
Class Discussion Spending and Saving
Read Lesson: Spending and Saving Plans
Read Lesson: Pay Yourself First
Interactive: Play 1 month of the Budget Game
Activity:  Draw your own saving comic stripActivity / Assignment:
Interactive: Budget Simulation

Lesson 1:4  Maintaining a Budget
Class Discussion: Maintaining a Budget
Read Lesson: Spending Shocks
Read Lesson: Receipts -  Keeping or Tossing
Interactive: Budget Simulation
Activity:  Research Budgeting Apps

Lesson 1:5  Researching Purchases
Class Discussion: Purchases
Read Lesson: Research Purchases
Activity:  Research Cell Phone Plans
Activity:  Budgeting for a Trip
Read Lesson: Juggling Bills
Interactive: Budget Simulation

Lesson 1:6  Long Term Saving
Class Discussion: Saving for Long Term
Interactive Activity:  Net Worth Calculator
Read Lesson:  Family Planning
Interactive: Budget Simulation
Interactive Activity: Budget Game Transaction Report
Read Lessons: Planning Long-Term Purchases  

Lesson 1:7 Buying a Home
Class Discussion: Buying a Home
Interactive:  Regional Housing Costs (Trish and Scott’s Big Adventure)
Interactive Activity:  Home Budget Calculator
Interactive Activity: Buy vs Lease Calculator
Interactive: Budget Simulation

Unit 2:  Investing
Lesson 2:1  - Introduction to Investing
Class Discussion: Introduction to Investing
Read Lesson: What is a Stock?
Read Lesson:  What is a Ticker Symbol
Read Article:  Why Invest in the Stock Market
Watch Video:  Stock Tutorial 
Interactive: Stock Game - Buying First Stock
Assignment: Chapter 1 - Introduction to Investing
Interactive: Budget & Stock Simulation

Lesson 2:2 - How the Stock Market Works
Class Discussion: How the Stock Market Works
Read Lesson:  What is the New York Stock Exchange?
Read Lesson:  Inflation
Interactive: Budget & Stock Simulation
Assignment:  Investing101 - Chapter 2: How The Stock Market Works and Why It Works
Assignment:  Investing101 - Chapter 3: Making Your First Trade

Lesson 2.3 - How to Research Stocks
Class Discussion:  How to Research Stocks
Read Lesson:  Getting (and understanding) Stock Quotes
Watch Video:  Stock Game Research Videos
Interactive Activity:  Stock Game: Build Portfolio
Interactive Activity:  Personal Investing Goals
Interactive: Budget & Stock Simulation
Assignment:  Investing101 - Chapter 4: Building Your $100,000 Portfolio
Assignment:  Investing101 - Chapter 5: Now That I Own It, What Should I Do?

Lesson 2.4 - Different Security Types
Class Discussion:  Different Security Types
Read Article:  What is an ETF?
Read Article:  What is a Mutual Fund?
Read Article:  What is a Bond?
Interactive: Budget & Stock Simulation
Assignment:  Compare 2 Companies in the Same Industry

Lesson 2.5 - How to Manage Your Portfolio
Class Discussion:  Managing Your Portfolio
Article:  Building a Diversified Portfolio
Article:  Investing Strategies
Interactivity:  Advanced Investment Return Calculator
Interactive: Budget & Stock Simulation

Lesson 2.6 - Business Cycles
Class Discussion:  Business Cycles
Activity:  Stock Game Portfolio Report
Interactive: Budget & Stock Simulation
Assignment:  Understanding Price Movements
Assignment:  The Business Cycle


Lesson 2.7 - Investing Overview
Class Discussion:  Investing Overview
Article:  Opportunity Class
Interactive:  Trading - Buy or Sell Stocks/ETFs (10)
Interactive:  Trading - Buy or Sell Mutual Funds (5)
Interactive:  Trading - Buy or Sell Corporate Bonds (5)
Activity / Assignment:
Interactive: Budget & Stock Simulation
Lesson 2.8 - Supplement
Assignment:  Investing101 - Chapter 6: Fundamental Analysis: Understanding Earnings
and Cash Flow
Investing101 - Chapter 7: Technical Analysis: Common Charts and Terms
Investing101 - Chapter 8: Current Hot Topics In Trading
Investing101 - Chapter 9: Introduction To Options
Investing101 - Chapter 10: The Investor's Guide To Success
Interactive: Budget & Stock Simulation

Unit 3:  Credit Cards and Debt
Lesson 3.1 - Intro to Credit
Class Discussion:  Introduction to Credit
Read Lesson:  Credit
Read Lesson:  Interest
Read Lesson:  Credit cards
Interactive: Budget & Stock Simulation
Interactive Assignment: What would you do scenarios (Family Economics & Financial Education) 

Lesson 3.2 - Buying a Car
Class Discussion:  Buying a Car
Read Lesson:  Good Credit and Bad Credit
Read Lesson:  Car Loans
Read Lesson:  Car Loans Calculator
Interactive: Budget & Stock Simulation

Lesson 3.3 - Other Types of Loans
Class Discussion:  Other Types of Loans
Read Lesson:  Short-Term Financing
Read Lesson:  Student Loans
Read Lesson:  Mortgages
Interactive Lesson:  Asking for a Loan
Interactive: Budget & Stock Simulation

Lesson 3.4 - Credit Cards and Credit Reports
Class Discussion Credit Cards and Credit Reports
Video:  How to Read Your Credit Card Statement
Video:  Documentary: MAXED OUT A Documentary on PREDATORY Lending
Read Lesson:  Credit Reports:
Interactive: Budget & Stock Simulation

Lesson 3.4 - Credit Cards and Credit Reports
Class Discussion: MAXED OUT A Documentary on PREDATORY Lending
Video:  Documentary: MAXED OUT A Documentary on PREDATORY Lending
Interactive: Budget & Stock Simulation

Lesson 3.4 - Credit Cards and Credit Reports
Class Discussion: Credit Reports
Read Lesson:  Credit Card Payment Calculator
Interactive: Budget & Stock Simulation

Lesson 3.5 - Managing Debt
Class Discussion:  Managing Debt
Read Lesson:  Consolidating Debt
Read Lesson:  Debt Negotiation
Interactive: Budget & Stock Simulation

Lesson 3.5 - Managing Debt
Class Discussion:  Managing Debt
Interactive:  Distinguishing between credit myths and realities
Interactive: Budget & Stock Simulation

Lesson 3.5 - Managing Debt
Class Discussion:  Managing Debt
Read Lesson:  Managing Debt
Read Lesson:  Managing Debt Services
Interactive: Budget & Stock Simulation

Lesson 3.6 - Mid-Way Projects - Simulation Review
Read Lesson:  Bankruptcy
Class Project:  Stock Game Review
Class Project:  Budget Game Review
Interactive: Budget & Stock Simulation

Unit 4:   Employment and Income
Lesson 4.1 - Career & Income
Class Discussion
Read Article:  Career Development
Interactive: Budget & Stock Simulation
Interest Assessment - careeronestop
Read Lesson:  Income and Compensation
Read Lesson:  Employer and Employee Rights and Responsibilities
Interactive: Budget & Stock Simulation

Lesson 4.2 - Intro to Bank Accounts
Class Discussion: Intro to Bank Accounts
Read Lesson: Banks, Credit Unions, and Savings and Loans
Read Article:  Automatic Payments
Watch Video:  Bank Overdraft Fees
Interactive Activity:  Know Your Take-Home Pay - National Endowment for Financial Education
Interactive: Budget & Stock Simulation
Assignment:  Article - Debit Cards
:  
Lesson 4.3 - Intro to Taxes
Class Discussion:  Introduction to Taxes
Read Article: Taxation Overview
Read Article:  Filing Taxes and 1040
Watch Video:  Ways to File Your Taxes
Interactive: Budget & Stock Simulation
Assignment:  Read Article - Sales Tax

Lesson 4.4 - Starting Your Career
Class Discussion:  Starting Your Career
Read Article: The 5 Biggest Mistakes Of Job Seekers
Read Article:  Ace Your Interview
Interactive: Budget & Stock Simulation
Interactive Activity:  Practice Interview Questions - Finance in the Classroom
Assignment:  Read Article - Using Keywords in Your Job Search
Assignment:  Read Article - How to Choose an Internship

Lesson 4.5 - Building & Sharing Wealth
Class Discussion:  Building & Sharing Wealth
Read Article - Building Wealth
Read Article - Charitable Giving
Interactive Activity: Saving to be a Millionaire
Interactive: Budget & Stock Simulation
Assignment:  Planning for Retirement

Lesson 4.6 - Responsible Income & Spending Behaviors
Class Discussion:  Responsible Income and Spending Behaviors
Read Article:  Tax Credits and Deductions
Read Article:  Tax Additions
Interactive: Budget & Stock Simulation
Assignment:  Product Classification
Assignment:  Consumer Right and Responsibilities


Unit 5: Financial Risks & Insurance
Lesson 5.1 - Insurance Basics
Class Discussion:  Insurance Basics
Watch Video: Intro to Insurance - It’s a Money Thing
Interactive: Budget & Stock Simulation
Assignment:  Contracts
Assignment:  Risk

Lesson 5.2 - Liability Insurance
Class Discussion:  Liability Insurance
Read Article:  Homeowner’s Insurance
Read Article:  Rental Agreements and Homeowners Associations
Interactive: Budget & Stock Simulation
Assignment:  Car Insurance
Assignment:  Rental Insurance
	
Lesson 5.3 - Health and Life Insurance
Class Discussion:  Health and Life Insurance
Activity:  Stock and Budget Game prep for final report
Interactive: Budget & Stock Simulation
Assignment:  Life  Insurance
Assignment:  Health Insurance

Lesson 5.4 - Financial Decision Making
Class Discussion:  Financial Decision Making
Read Article:  Tax Professional
Watch Video:  What are the biggest myths about financial aid
Interactive Active:  Decision Making Process - Finance in the Classroom
Interactive: Budget & Stock Simulation
Assignment:  Protection Against Fraud	

Lesson 5.5 - Managing Financial Records
Class Discussion:  Managing Financial Risks
Interactive: Budget & Stock Simulation
Assignment:  Read Article:  Comparing Loans
Assignment:  Read Article:  What are Financial Records
Assignment:  Read Article:  Reconciling Accounts
Assignment:  Audits

Lesson 5.6 - Life After Graduation
Class Discussion:  Life After Graduation
Read Article:  Work vs. Study
Read Article:  Starting a Business
Class Discussion:  Post High School Presentation
Interactive: Budget & Stock Simulation
Interactive Activity:  Understanding how much student debt you can afford
Assignment:  Read Article - Simple and Living Wills

Bankruptcy
If you are severely behind on your bills and all other debt management plans have failed, the last option available is declaring bankruptcy.

Starting a Business
Building the next “big thing”. Being your own boss. Getting the full rewards for your work. There are a lot of reasons to start a business, but taking the plunge is a step entrepreneurs have to face if they plan on striking out on their own


Students will each start the simulation as a part-time employee, goiong to college full-time.  Then the students will have to pay bills, like adults do in real life. With your left over money, you can purchase experiences or items.  This class is highly interactive simulating real life as adults making financial decisions.  Students will learn they are free to choose what to with the money they earn but not free from the consequences of their choice, whether it is positive or negative result.



NOTE TO PARENTS:  This is an interactive classroom, with guidance from teacher.  Students will have the opportunity to interact, socialize while learning to becoming financial responsible with their choices.  

Additional Topics will be added.