πŸŽ’ Curriculum

Learning Paths

Every grade, every level. Structured units and lessons designed to grow financial knowledge from 3rd grade through 12th.

πŸŽ’ Elementary Β· Grades 3–5

Money Foundations

From coins and giving to homeownership: real-world money concepts made simple and fun for young learners.

πŸ’°
Unit 1
What Is Money & Why It Matters

Coins, bills, earning, saving, budgets, and giving back: the complete money foundation.

2
Earning & Needs
3
Saving & Goals
4
Budgets & Banks
5
Businesses & Giving
🧠
Unit 2
Needs vs. Wants

Understanding the difference between essentials and extras, opportunity cost, and smart spending.

2
What Is a Want?
3
Needs & Wants in Real Life
4
Making Smart Choices
5
Money Wizards!
πŸ’
Unit 3
The Joy of Giving

Time, talent and treasure: exploring generosity, charities, and why giving makes us happier.

1
What Is Giving?
2
Ways to Give
3
Charities & Community
4
Government & Impact
5
Your Turn to Shine!
🏑
Unit 4
Homeownership & Mortgages

How families find a place to live, what a mortgage is, how equity grows, and smart money habits.

1
Types of Homes
2
Renting vs. Owning
3
What Is a Mortgage?
4
Equity & Ownership
5
Smart Money Habits
πŸͺ™
Unit 5
Money Foundations Wrap-Up

A complete review of coins, earning, spending, saving, and giving to close out elementary money skills.

2
Earning & Needs
3
Saving & Goals
4
Budgets & Banks
5
Businesses & Giving
πŸ“š Middle School Β· Grades 6–8

Money in Practice

From budgeting your first paycheck to understanding how banks, careers, and taxes shape everyday financial life.

πŸ“Š
Unit 1
Budgets: Your Money, Your Future

Master the 50/30/20 rule, assets & liabilities, net worth, and how to build your first real budget.

β˜…
1
What's a Budget?
3
Assets & Liabilities
4
Money Buckets (50/30/20)
5
Your Budget Plan
πŸ’Ό
Unit 2
Careers & Salaries

Passion vs. paycheck, why jobs pay differently, degrees, college costs, and planning your financial future.

1
Passion vs. Paycheck
2
Why Jobs Pay Differently
3
Degrees & Career Paths
4
The Road to College
5
Your Financial Future
🏦
Unit 3
The Banking System

How banks work, savings & checking accounts, debit vs. credit, loans, interest, and retirement basics.

1
What's a Bank?
3
Debit & Credit Cards
4
Loans & Interest Rates
5
Retirement & Bank Services
🧾
Unit 4
Local, State & Federal Taxes

What taxes are, what they fund, how they're collected, FICA, and why taxes matter for your community.

1
Taxes Explained
2
What Do Taxes Pay For?
3
How Are Taxes Collected?
4
Federal, State & Local
5
Why Taxes Matter
πŸ›οΈ
Unit 5
Consumer Awareness

Smart shopping, finding deals, supply & demand, negotiating, and understanding contracts.

1
Be a Smart Shopper
2
Research & Finding Deals
3
Supply, Demand & Scarcity
4
Negotiating & Sound Deals
5
Good Business & Contracts
πŸŽ“ High School Β· Grades 9–12

Money & Your Future

From the Federal Reserve to Bitcoin: advanced financial concepts that prepare students for the real world.

πŸ’Ž
Unit 1
Money 101: Value, Wealth & Security

What money really is, compound interest, investing, credit scores, and protecting yourself financially.

β˜…
2
Banking, Saving & Compound Interest
3
Investing & Building Wealth
4
Credit, Loans & Debt
5
Security, Scams & Contracts
πŸ›οΈ
Unit 2
The Fed vs. The Government

Monetary vs. fiscal policy, how the Federal Reserve works, interest rates, inflation, QE, and the national debt.

1
Fiscal vs. Monetary Policy
2
Legal Structure of the Fed
3
The Treasury–Fed Relationship
4
QE, QT & Government Debt
5
Fed Independence & You
β‚Ώ
Unit 3
Bitcoin & Blockchain

How blockchain works, crypto wallets, smart contracts, DeFi, NFTs, risks, and the future of digital money.

1
Blockchain: The Double-Spend Problem
2
Wallets: Control, Custody & Risk
3
Hot vs. Cold Storage
4
Smart Contracts, DeFi & NFTs
5
Risks, Reality & the Future
πŸ“‹
Unit 4
Taxes: Funding the System

Income taxes, tax brackets, how taxes are collected, deficits, national debt, deductions, credits, and filing.

1
How Taxes Fund Our Communities
2
Types of Taxes & Where They Go
3
How Taxes Are Collected
4
Budgets, Deficits & National Debt
5
Taxes & Your Life
🏠
Unit 5
Mortgages & Homeownership

Housing as a financial decision, mortgage types, amortization, equity, rates, and responsible borrowing.

1
Housing as a Financial Decision
2
What a Mortgage Really Is
3
Principal, Interest & Amortization
4
Rates, Terms, Equity & Risk
5
Affordability & Responsible Borrowing