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How to Use the Yes, You Can Curriculum
Yes, You Can is designed with the end-users in mind – educators, students, and parents.
American Century Investments created this unique learning experience to give educators the
confidence to teach personal finance education and make a positive impact on students so they
can establish a path toward financial independence.
The curriculum is designed to be flexible and customizable to the needs of educators and students.
The lessons and projects consist of collaborative team activities. Educators should use the
strategies that work best in their classroom to ensure well-functioning teams. In addition, educators
should communicate their expectations concerning writing samples, presentations, and projects.
Educators are encouraged to tweak, modify, add to, and enhance the curriculum so that it more
closely aligns with district and classroom accountabilities.
Ultimately, the goal of the Yes, You Can curriculum is to challenge young people (and their
parents/caring adults) to:
 examine their current personal financial behaviors
 establish new and financially rewarding habits
 learn about personal finance concepts
 create the foundation for financial independence
The curriculum is aligned with the 8th grade expectations of the Jump$tart Personal Finance
Education National Standards. It is recommended for 11- to 14-year-olds (middle school
students), although it is also appropriate for older students. Educators should customize the
curriculum to the unique needs of their students.
Curriculum Foundation
The foundation of the Yes, You Can curriculum is based on the 5+2 Experience DNA™ of
Experience Design Innovation Group LLC (EDI) – the designers of the curriculum. The design
model is as follows:
Active Engagement – Learners are actively engaged in tasks and activities.
Complex Thinking – Learners are challenged to exercise their higher level, complex thinking
abilities.
Continuous Connections – Every facet of the experience builds and connects with one
another.
Practical Skill-Building – Tasks and activities provide opportunities to develop and sharpen
practical skills.
Relevant Application – Learners apply relevant information to true-to-life situations and
scenarios.
Constructed Understanding – Learners ask questions, formulate hypotheses, and recall past
experiences to discover new knowledge that creates a deeper understanding of themselves
and the world around them.
Transformative Outcomes – Learners discover new information that enables them to reevaluate their beliefs, attitudes, and dispositions in varying degrees.
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The curriculum also employs the following learning strategies to further build on the 5+2 model
and student-driven nature of the curriculum.
Constructivist Learning – Learners engage in experiences where they “construct” their own
learning. This provides opportunities for learners to build on their existing knowledge and
provides for a more powerful understanding of the content.
Contextual Learning – Learners relate subject matter content to real-world situations that
emphasize problem-solving scenarios. Connections are made between knowledge and its
applications to their lives as family members, citizens, and/or employees. Learners are
encouraged to learn from each other – individually and collectively – as they monitor, direct,
and self-regulate their learning.
Collaborative Learning – Learners work collaboratively with others to achieve a collective
success for all. Learners have individual accountabilities, while working toward whole group
goals.
Curriculum Components
Personal Finance (PF) Portfolio
Beginning with Module One–Lesson One, students are introduced to the PF Portfolio. Students
either need to purchase a binder or be provided with one. Students use the portfolio to organize
documents which have been used during their curriculum experience – handouts, class work,
homework, projects, and assessments of their learning by the educator and themselves. At the
conclusion of the curriculum, the portfolio becomes a comprehensive archive of the student’s
learning.
Financial Independence Today (FIT) Work
To deepen and reinforce the classroom learning, FIT Work sheets are provided. These sheets offer
opportunities to explore concepts through individual or full class work. Each lesson in the
curriculum has FIT Work, which consists of a variety of problem-solving exercises that introduce
and/or reinforce content and/or vocabulary covered in the classroom.
Educators should decide upfront when and how students will complete the FIT Work – bellwork,
homework, small groups or as a classroom discussion. A system for turning in/assessing FIT Work
should also be established and communicated with students. In addition, educators may want to
review completed FIT Work as a class. The themes discussed in each FIT Work sheet provide a
variety of rich content ideas to review, explore, and discuss. The FIT Work should be placed in the
PF Portfolio.
Adult Dialogue Activity
The Adult Dialogue Activity (ADA) is part of each Module and is designed to engage the student
and their caring adult in meaningful conversations regarding the financial concepts explored in the
curriculum. The ADA is a key component in the student’s learning. Abstract financial concepts can
be difficult to understand unless it is in a meaningful and relevant context. These conversations will
provide this important piece of the learning process. It is also important to remember that some
adults and parents may not have the tools or the knowledge necessary for a solid financial
foundation. The dialogue creates a safe way for children and their parents/caring adults to explore
together what it means to be financially independent.
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It is important that caring adults are prepared for these ADAs, so a letter has been developed to
introduce them to the activity (see page 1.3). This letter includes an attachment which outlines all
of the topics to be explored through the ADAs and should be sent to the adults prior to the first FIT
Work. If e-mail is available, download the letter and e-mail it to parents.
Students are asked to have their parent/caring adult initial the ADA sheets. The ADA sheets are to
be placed in the PF Portfolio. Students should not be asked to share their dialogue discussion
notes with the class. These should be treated as personal and confidential, and should only be
seen by the educator.
If done correctly, the ADA will give students another way to grasp the content, provide adults with
a meaningful way to be a part of their child’s learning, and provide educators with a view on how a
student’s success is being supported at home.
Yes, You Can Slide Presentations
A suite of presentation slides are available at YesYouCanOnline.info. These presentation slides
are designed to complement the lessons, games, and projects in the curriculum. They can be
downloaded from the Web site, and educators are encouraged to modify them in order to meet the
unique needs of their classrooms. Speaking points and comments are included in the Notes
section of the slides to assist educators in conveying the content to the students.
Financial Independence Today (FIT) Tools
To help facilitate learning, FIT Tools are available at YesYouCanOnline.info. Educators can use
the FIT Tools to illustrate concepts in the classroom and students can use them for their class
activities and projects. There are five different FIT Tools:
 Compound Interest
 Debt Reducer Calculator
 Savings Goal Calculator
 Spending Plan 1
 Spending Plan 2
Assessments
Included in the curriculum are a pre- and post-assessment. Educators can use the multiple choice
assessment to first determine student knowledge of financial education content and then after the
completion of the curriculum to measure student gains. An on-line version of the pre- and postassessment can be found on the Yes, You Can Web site at YesYouCanOnline.info. The on-line
assessment will automatically grade assessments and compare pre- and post-scores. If Internet
access is not available, a photocopy-ready version is available on pages 1.6-1.7 and 4.12-4.13.
A Note About Mathematical Computations
Students are asked to complete mathematical computations “by hand” and by using hand-held and
online calculators. Solutions to mathematical problems will more than likely vary depending on the
method used for the calculations. This especially comes to play in computations involving numbers
beyond three decimal points. Depending on the calculator used and the expectation concerning
how answers are rounded, answers will vary. This is most apparent in compound interest
calculations when fractions of cents can make a significant difference in the total.
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Educator Evaluation
After the completion on the curriculum, educators are encouraged to complete the Educator
Evaluation found at YesYouCanOnline.info. Constructive feedback is essential to the on-going
improvement of the curriculum.
Before You Get Started
1. Download and/or order resources (see YesYouCanOnline.info).
2. Send the Adult Dialogue Activity letter and Adult Dialogue Activity sheets (page 1.3-1.5) home
3.
4.
5.
6.
via photocopy or e-mail.
Make sure students have a one-inch binder.
Make sure students have a scientific calculator.
Have students complete the pre-assessment (see YesYouCanOnline.info or page 1.6).
Confirm Internet access, computer(s), and projector.
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Jump$tart Personal Financial Education
National Standards Alignment (Grade 8)
Module 1 - Now and the Next Five Years
Lesson 1.1 Taking the First Steps
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
Lesson 1.2 Financial Goals
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
Give examples of the benefits of financial responsibility and the costs of financial irresponsibility.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Set measurable short- and medium-term financial goals.
Prioritize personal financial goals.
Evaluate the results of a financial decision.
Apply systematic decision-making to a medium-term goal.
Planning and Money Management
Organize and plan personal finances and use a budget to manage cash flow.
 Standard 4: Apply consumer skills to purchase decisions.
Explain the relationship between spending practices and achieving financial goals.
Given an age-appropriate scenario, describe how to use systematic decision-making to choose
among courses of action that include a range of spending and non-spending alternatives.
Saving and Investing
Implement a diversified investment strategy that is compatible with personal goals.
 Standard 1: Discuss how saving contributes to financial well-being.
Describe the advantages and disadvantages of saving for short- and medium-term goals.
Lesson 1.3 Spending Plans
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Evaluate the results of a financial decision.
 Standard 5: Develop communication strategies for discussing financial issues.
Identify differences among peers’ values and attitudes about money.
Income and Careers
Use a career plan to develop personal income potential.
 Standard 2: Identify sources of personal income.
Explain the difference between earned and unearned income and give an example of each.
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Module 1 - Now and the Next Five Years
Lesson 1.3 Spending Plans (continued)
Planning and Money Management
Organize and plan personal finances, and use a budget to manage cash flow.
 Standard 1: Identify sources of personal income.
Discuss the components of a personal budget; including income, planned saving, taxes, and fixed
and variable expenses.
Saving and Investing
Implement a diversified investment strategy that is compatible with personal goals.
 Standard 2: Explain how investing builds wealth and helps meet financial goals.
Apply systematic decision-making to determine when to invest cash not needed for short-term
spending or emergencies.
Lesson 1.4 Payment Methods
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Give examples of the benefits of financial responsibility and the costs of financial irresponsibility.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Use a financial or online calculator to determine the cost of achieving a medium-term goal.
Planning and Money Management
Organize and plan personal finances, and use a budget to manage cash flow.
 Standard 3: Describe how to use different payment methods.
Discuss the advantages and disadvantages of different payment methods, such as stored value
cards, debit cards, and online payment systems.
Compare the features and costs of a checking account and a debit card offered by different local
financial institutions.
Compare the costs of cashing third-party checks at various local financial institutions, including a
check cashing service.
Credit and Debt
Maintain credit worthiness, borrow at favorable terms, and manage debt.
 Standard 1: Identify the costs and benefits of various types of credit.
Explain how debit cards differ from credit cards.
Lesson 1.5 Paychecks, Deductions & Taxes
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
 Standard 5: Develop communication strategies for discussing financial issues.
Explain how discussing important financial matters with household members can help reduce
conflict.
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Module 1 - Now and the Next Five Years
Lesson 1.5 Paychecks, Deductions & Taxes (continued)
Income and Careers
Use a career plan to develop personal income potential.
 Standard 2: Identify sources of personal income.
Give an example of a government transfer payment.
Describe how a local government assistance program can benefit people in the community.
 Standard 3: Describe factors affecting take-home pay.
Explain all items commonly withheld from gross pay.
Give examples of employee benefits and explain why they are forms of compensation.
Explain the difference between Social Security and Medicare programs.
Planning and Money Management
Organize and plan personal finances, and use a budget to manage cash flow.
 Standard 1: Develop a plan for spending and saving.
Calculate the sales tax for a given purchase.
Project 1 | Rosie & Jack: Get Them On Track!
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Set measurable short- and medium-term financial goals.
Prioritize personal financial goals.
Evaluate the results of a financial decision.
Use a financial or online calculator to determine the cost of achieving a medium-term goal.
Planning and Money Management
Organize and plan personal finances, and use a budget to manage cash flow.
 Standard 1: Develop a plan for spending and saving.
Discuss the components of a personal budget; including income, planned savings, taxes, and fixed
and variable expenses.
 Standard 4: Apply consumer skills to purchase decisions.
Explain the relationship between spending practices and achieving financial goals.
Given an age-appropriate scenario, describe how to use systematic decision-making to choose
among courses of action that include a range of spending and non-spending alternatives.
Saving and Investing
Implement a diversified investment strategy that is compatible with personal goals.
 Standard 1: Discuss how saving contributes to financial well-being.
Give examples of how saving money can improve financial well-being.
Describe the advantages and disadvantages of saving for short- and medium-term goals.
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Module 2 - First Steps to Financial Independence
Lesson 2.1 Savings, Banking Services & Interest
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
Give examples of the benefits of financial responsibility and the costs of financial irresponsibility.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Set measurable short- and medium-term financial goals.
Prioritize personal financial goals.
Evaluate the results of a financial decision.
Use a financial or online calculator to determine the cost of achieving a medium-term goal.
Apply systematic decision-making to a medium-term goal.
Planning and Money Management
Organize and plan personal finances, and use a budget to manage cash flow.
 Standard 1: Develop a plan for spending and saving money.
Discuss the components of a personal budget; including income, planned saving, taxes, and fixed
and variable expenses.
 Standard 4: Apply consumer skills to purchase decisions.
Explain the relationship between spending practices and achieving financial goals.
Given an age-appropriate scenario, describe how to use systematic decision-making to choose
among courses of action that include a range of spending and non-spending alternatives.
Saving and Investing
Implement a diversified investment strategy that is compatible with personal goals.
 Standard 1: Discuss how saving contributes to financial well-being.
Give examples of how saving money can improve financial well-being.
Describe the advantages and disadvantages of saving for short- and medium-term goals.
Explain the value of an emergency fund.
Explain why saving is a prerequisite to investing.
 Standard 2: Explain how investing builds wealth and helps meet financial goals.
Define the time value of money and explain how small amounts of money invested regularly over time
grow exponentially.
Calculate and compare simple interest and compound interest earnings, and explain the benefits of
a compound rate of return.
Lesson 2.2 Compound Interest & Rule of 72
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Evaluate the results of a financial decision.
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Module 2 - First Steps to Financial Independence
Lesson 2.2 Compound Interest & Rule of 72 (continued)
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Evaluate the results of a financial decision.
Saving and Investing
Implement a diversified investment strategy that is compatible with personal goals.
 Standard 1: Discuss how saving contributes to financial well-being.
Give examples of how saving money can improve financial well-being.
 Standard 2: Explain how investing builds wealth and helps meet financial goals.
Define the time value of money and explain how small amounts of money invested regularly over time
grow exponentially.
Use the Rule of 72 to estimate the time or interest rate needed to double an amount of money.
Calculate and compare simple interest and compound interest earnings, and explain the benefits of
a compound rate of return.
Lesson 2.3 Inflation & Yes, You Can BINGO
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
Give examples of the benefits of financial responsibility and the costs of financial irresponsibility.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Prioritize personal financial goals.
Evaluate the results of a financial decision.
Use a financial or online calculator to determine the cost of achieving a medium-term goal.
Saving and Investing
Implement a diversified investment strategy that is compatible with personal goals.
 Standard 1: Discuss how saving contributes to financial well-being.
Give examples of how saving money can improve financial well-being.
Describe the advantages and disadvantages of saving for short- and medium-term goals.
 Standard 2: Explain how investing builds wealth and helps meet financial goals.
Define the time value of money and explain how small amounts of money invested regularly over time
grow exponentially.
Calculate and compare simple interest and compound interest earnings and explain the benefits of a
compound rate of return.
 Standard 3: Evaluate investment alternatives.
Explain how inflation affects investment returns.
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Module 2 - First Steps to Financial Independence
Lesson 2.4 Debt & Easy Access Credit
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
Give examples of the benefits of financial responsibility and the costs of financial irresponsibility.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Prioritize personal financial goals.
Evaluate the results of a financial decision.
Use a financial or online calculator to determine the cost of achieving a medium-term goal.
Apply systematic decision-making to a medium-term goal.
Credit and Debt
Maintain credit worthiness, borrow at favorable terms, and manage debt.
 Standard 1: Identify the costs and benefits of various types of credit.
Explain how interest rate and loan length affect the cost of credit.
Using a financial or online calculator, determine the total cost of repaying a loan under various rates
of interest and over different periods of time.
Give examples of ‘easy access’ credit.
Discuss potential consequences of using ‘easy access’ credit.
Explain how students, homeowners, and businesses use debt as an ‘investment’.
Explain the potential consequences of deferred payment of student loans.
 Standard 2: Explain the purpose of a credit record and identify borrowers’ credit report rights.
Explain why it is important to establish a positive credit history.
Explain the value of credit reports to borrowers and to lenders.
Describe the information in a credit report and how long it is retained.
Lesson 2.5 Advertising
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
 Standard 2: Find and evaluate financial information from a variety of sources.
Analyze and evaluate advertising claims.
Identify online and printed sources of product information and list the strengths and weaknesses of
each.
 Standard 5: Identify differences among peers’ values and attitudes about money.
Explain how discussing important financial matters with household members can help reduce
conflict.
Planning and Money Management
Organize and plan personal finances, and use a budget to manage cash flow.
 Standard 4: Apply consumer skills to purchase decisions.
Give examples of how external factors, such as marketing and advertising techniques, might
influence spending decisions for different individuals.
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Module 2 - First Steps to Financial Independence
Project 2 | Be Money-Wise: You Are the Expert
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
Give examples of the benefits of financial responsibility and the costs of financial irresponsibility.
 Standard 2: Find and evaluate financial information from a variety of sources.
Analyze and evaluate advertising claims.
Identify online and printed sources of product information and list the strengths and weaknesses of
each.
Credit and Debt
Maintain credit worthiness, borrow at favorable terms, and manage debt.
 Standard 1: Identify the costs and benefits of various types of credit.
Explain how interest rate and loan length affect the cost of credit.
Saving and Investing
Implement a diversified investment strategy that is compatible with personal goals.
 Standard 1: Discuss how saving contributes to financial well-being.
Give examples of how saving money can improve financial well-being.
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Module 3 - The Next Big Thing
Lesson 3.1 Investing: Stocks, Bonds, and Mutual Funds
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
Give examples of the benefits of financial responsibility and the costs of financial irresponsibility.
Saving and Investing
Implement a diversified investment strategy that is compatible with personal goals.
 Standard 1: Discuss how saving contributes to financial well-being.
Give examples of how saving money can improve financial well-being.
Explain why saving is a prerequisite to investing.
 Standard 3: Evaluate investment alternatives.
Explain how stocks and bonds differ as investments.
Compare investing in individual stocks and bonds with investing in stock or bond mutual funds.
Compare the investment potential of stocks, bonds, and real estate to collectibles and precious
metals.
Explain how to match investments to financial goals.
Lesson 3.2 Stocks, Stocks, Stocks
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
Give examples of the benefits of financial responsibility and the costs of financial irresponsibility.
Saving and Investing
Implement a diversified investment strategy that is compatible with personal goals.
 Standard 1: Discuss how saving contributes to financial well-being.
Give examples of how saving money can improve financial well-being.
 Standard 3: Evaluate investment alternatives.
Explain how stocks and bonds differ as investments.
Compare investing in individual stocks and bonds with investing in stock or bond mutual funds.
Compare the investment potential of stocks, bonds, and real estate to collectibles and precious
metals.
Lesson 3.3 Net Worth Statements
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Give examples of the benefits of financial responsibility and the costs of financial irresponsibility.
 Standard 5: Develop communication strategies for discussing financial issues.
Identify differences among peers’ values and attitudes about money.
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Module 3 - The Next Big Thing
Lesson 3.3 Net Worth Statements (continued)
Planning and Money Management
Organize and plan personal finances, and use a budget to manage cash flow.
 Standard 6: Develop a personal financial plan.
Explain the difference, with examples, between assets and liabilities.
Given a simplified case study, construct a net worth statement.
Lesson 3.4 Calculate the Expense Categories
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Prioritize personal financial goals.
Planning and Money Management
Organize and plan personal finances, and use a budget to manage cash flow.
 Standard 1: Develop a plan for spending and saving money.
Given a household case study, calculate the percentages for major expense categories.
 Standard 6: Develop a personal financial plan.
Explain the difference, with examples, between assets and liabilities.
Given a simplified case study, construct a net worth statement.
Credit and Debt
Maintain credit worthiness, borrow at favorable terms, and manage debt.
 Standard 1: Identify the costs and benefits of various types of credit.
Explain how interest rate and loan length affect the cost of credit.
Lesson 3.5 Live Within Your Means
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Prioritize personal financial goals.
 Standard 5: Develop communication strategies for discussing financial issues.
Explain how discussing financial matters with household members can help reduce conflict.
Income and Careers
Use a career plan to develop personal income potential.
Standard 1: Explore career options.
Compare personal skills and interests to various career options.
Describe the educational/training requirements, income potential, and primary duties of at least two
jobs of interest.
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Module 3 - The Next Big Thing
Lesson 3.5 Live Within Your Means (continued)
Planning and Money Management
Organize and plan personal finances, and use a budget to manage cash flow.
 Standard 1: Develop a plan for spending and saving money.
Discuss the components of a personal budget; including income, planned saving, taxes, and fixed
and variable expenses.
Given a household case study, calculate the percentages for major expense categories.
 Standard 4: Apply consumer skills to purchase decisions.
Explain the relationship between spending practices and achieving financial goals.
Given an age-appropriate scenario, describe how to use systematic-decision making to choose
among courses of action that include a range of spending and non-spending alternatives.
 Standard 6: Develop a personal financial plan.
Explain the difference, with examples, between assets and liabilities.
Given a simplified case study, construct a net worth statement.
Saving and Investing
Implement a diversified investment strategy that is compatible with personal goals.
 Standard 1: Discuss how saving contributes to financial well-being.
Give examples of how saving money can improve financial well-being.
Explain the value of an emergency fund.
Project 3 | Financial Planning: Beyond the Numbers
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 1: Take responsibility for personal financial decisions.
Identify ways to be a financially responsible young adult.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Prioritize personal financial goals.
Evaluate the results of a financial decision.
Use a financial or online calculator to determine the cost of achieving a medium-term goal.
Apply systematic decision-making to a medium-term goal.
Planning and Money Management
Organize and plan personal finances, and use a budget to manage cash flow.
 Standard 1: Develop a plan for spending and saving money.
Discuss the components of a personal budget; including income, planned saving, taxes, and fixed
and variable expenses.
Given a household case study, calculate the percentages for major expense categories.
 Standard 4: Apply consumer skills to purchase decisions.
Explain the relationship between spending practices and achieving financial goals.
Given an age-appropriate scenario, describe how to use systematic decision-making to choose
among courses of action that include a range of spending and non-spending alternatives.
 Standard 6: Develop a personal financial plan.
Explain the difference, with examples, between assets and liabilities.
Given a simplified case study, construct a net worth statement.
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Module 3 - The Next Big Thing
Project 3 | Financial Planning: Beyond the Numbers (continued)
Credit and Debt
Maintain credit worthiness, borrow at favorable terms, and manage debt.
 Standard 1: Identify the costs and benefits of various types of credit.
Explain how interest rate and loan length affect the cost of credit.
Using a financial or online calculator, determine the total cost of repaying a loan under various rates
of interest and over different periods of time.
Saving and Investing
Implement a diversified investment strategy that is compatible with personal goals.
 Standard 1: Discuss how saving contributes to financial well-being.
Give examples of how saving money can improve financial well-being.
Describe the advantages and disadvantages of saving for short- and medium-term goals.
Explain the value of an emergency fund.
 Standard 2: Explain how investing builds wealth and helps meet financial goals.
Define the time value of money and explain how small amounts of money invested regularly over time
grow exponentially.
Calculate and compare simple interest and compound interest earnings, and explain the benefits of
a compound rate of return.
Determine the average, median, or estimated costs of a four-year college education, a wedding, a
new business start up, and the down payments on a new car and a house.
Devise a periodic investment plan for accumulating the money for a four-year college education, a
wedding, a new business startup, and the down payments on a new car and a house.
 Standard 3: Evaluate investment alternatives.
Explain how to match investments to financial goals.
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Module 4 - Our Great Idea
Lesson 4.1 Our Project
Financial Responsibility and Decision-Making
Apply reliable information and systematic decision-making to personal financial decisions.
 Standard 4: Make financial decisions by systematically considering alternatives and consequences.
Set measurable short- and medium-term financial goals.
Prioritize personal financial goals.
Evaluate the results of a financial decision.
Use a financial or online calculator to determine the cost of achieving a medium-term goal.
Apply systematic decision making to a medium-term goal.
 Standard 5: Develop communication strategies for discussing financial issues.
Identify differences among peers’ values and attitudes about money.
Planning and Money Management
Organize and plan personal finances, and use a budget to manage cash flow.
 Standard 1: Develop a plan for spending and saving money.
Discuss the components of a personal budget; including income, planned saving, taxes, and fixed
and variable expenses.
 Standard 4: Apply consumer skills to purchase decisions.
Explain the relationship between spending practices and achieving financial goals.
Saving and Investing
Implement a diversified investment strategy that is compatible with personal goals.
 Standard 1: Discuss how saving contributes to financial well-being.
Describe the advantages and disadvantages of saving for short- and medium-term goals.
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Missouri Personal Finance Competencies
Alignment
Module 1 - Now and the Next Five Years
Lesson 1.1 Taking the First Steps
Saving and Investing
3 – Examine reasons for saving and investing.
Lesson 1.2 Financial Goals
Money Management
1 – Explain how limited personal financial resources affect the choices people make.
2 – Interpret the opportunity costs of financial decisions.
3 – Evaluate the consequences of personal financial decisions.
4 – Apply decision-making process to personal financial choices.
Spending and Credit
1 – Compare the benefits and costs of alternatives in spending decisions.
Lesson 1.3 Spending Plans
Income
1 – Identify components and sources of income.
Money Management
1 – Explain how limited personal financial resources affect the choices people make.
3 – Evaluate the consequences of personal financial decisions.
4 – Apply decision-making process to personal financial choices.
7 – Design a financial plan (budget) for earning, spending, saving, and investing.
Spending and Credit
1 – Compare the benefits and costs of alternatives in spending decisions
Saving and Investing
1 – Compare consumer choices for saving and investing.
3 – Examine reasons for saving and investing.
Lesson 1.4 Payment Methods
Spending and Credit
3 – Compare the advantages and disadvantages of different payment methods.
6 – Evaluate the terms and conditions of credit cards and consumer loans.
Lesson 1.5 Paychecks, Deductions & Taxes
Income
1 – Identify components and sources of income.
3 – Relate taxes, government transfer payments, and employee benefits to disposable income.
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Module 1 - Now and the Next Five Years (continued)
Project 1 Rosie & Jack: Get Them On Track!
Income
1 – Identify components and sources of income.
Money Management
1 – Explain how limited personal financial resources affect the choices people make.
2 – Interpret the opportunity costs of financial decisions.
3 – Evaluate the consequences of personal financial decisions.
4 – Apply decision-making process to personal financial choices.
7 – Design a financial plan (budget) for earning, spending, saving, and investing.
Saving and Investing
1 – Compare consumer choices for saving and investing.
3 – Examine reasons for saving and investing.
Module 2 - First Steps to Financial Independence
Lesson 2.1 Savings, Banking Services & Interest
Income
1 – Identify components and sources of income.
Money Management
1 – Explain how limited personal financial resources affect the choices people make.
3 – Evaluate the consequences of personal financial decisions.
4 – Apply decision-making process to personal financial choices.
Saving and Investing
2 – Explain the relationship between saving and investing.
3 – Examine reasons for saving and investing.
8 – Examine how agencies that regulate financial markets protect investors.
Lesson 2.2 Compound Interest & Rule of 72
Saving and Investing
2 – Explain the relationship between saving and investing.
3 – Examine reasons for saving and investing.
6 – Analyze factors affecting the rate of return on investments.
Lesson 2.3 Inflation & Yes, You Can BINGO
Money Management
5 – Summarize how inflation affects spending and saving decisions.
Lesson 2.4 Debt & Easy Access Credit
Money Management
1 – Explain how limited personal financial resources affect the choices people make.
3 – Evaluate the consequences of personal financial decisions.
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Module 2 - First Steps to Financial Independence (continued)
Lesson 2.4 Debt & Easy Access Credit (continued)
Spending and Credit
5 – Compare sources of consumer credit.
6 – Evaluate the terms and conditions of credit cards and consumer loans.
10 – Propose ways to avoid or correct credit problems.
Lesson 2.5 Advertising
Money Management
2 – Interpret the opportunity costs of financial decisions.
3 – Evaluate the consequences of personal financial decisions.
Spending and Credit
1 – Compare the benefits and costs of alternatives in spending decisions
2 – Evaluate information about products and services.
Lesson 2.2 Compound Interest & Rule of 72
Saving and Investing
2 – Explain the relationship between saving and investing.
3 – Examine reasons for saving and investing.
6 – Analyze factors affecting the rate of return on investments.
Lesson 2.3 Inflation & Yes, You Can BINGO
Money Management
5 – Summarize how inflation affects spending and saving decisions.
Lesson 2.4 Debt & Easy Access Credit
Money Management
1 – Explain how limited personal financial resources affect the choices people make.
3 – Evaluate the consequences of personal financial decisions.
Spending and Credit
5 – Compare sources of consumer credit.
6 – Evaluate the terms and conditions of credit cards and consumer loans.
10 – Propose ways to avoid or correct credit problems.
Project 2 Be Money Wise: You Are the Expert
Money Management
3 – Evaluate the consequences of personal financial decisions.
8 – Demonstrate how to use the services available from financial institutions.
Saving and Investing
1 – Compare consumer choices for saving and investing.
2 – Explain the relationship between saving and investing.
3 – Examine reasons for saving and investing.
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Module 2 - First Steps to Financial Independence (continued)
Project 2 Be Money Wise: You Are the Expert (continued)
Spending and Credit
1 – Compare the benefits and costs of alternatives in spending decisions.
2 – Evaluate information about products and services.
3 – Compare the advantages and disadvantages of different payment methods.
4 – Analyze the benefits and costs of consumer credit.
5 – Compare sources of consumer credit.
6 – Evaluate the terms and conditions of credit cards and consumer loans.
10 – Propose ways to avoid or correct credit problems.
Module 3 - The Next Big Thing
Lesson 3.1 Investing: Stocks, Bonds, and Mutual Funds
Saving and Investing
1 – Compare consumer choices for saving and investing.
2 – Explain the relationship between saving and investing.
3 – Examine reasons for saving and investing.
4 – Compare the risk, return, liquidity, manageability, and tax aspects of investment alternatives.
6 – Analyze factors affecting the rate of return on investments.
Lesson 3.2 Stocks, Stocks, Stocks
Saving and Investing
1 – Compare consumer choices for saving and investing.
2 – Explain the relationship between saving and investing.
3 – Examine reasons for saving and investing.
4 – Compare the risk, return, liquidity, manageability, and tax aspects of investment alternatives.
6 – Analyze factors affecting the rate of return on investments.
7 – Evaluate sources of investment information.
Lesson 3.3 Net Worth Statements
Money Management
3 – Evaluate the consequences of personal financial decisions.
7 – Design a financial plan (budget) for earning, spending, saving, and investing.
Lesson 3.4 Calculate the Expense Categories
Income
1 – Identify components and sources of income.
3 – Relate taxes, government transfer payments, and employee benefits to disposable income.
Money Management
1 – Explain how limited personal financial resources affect the choices people make.
3 – Evaluate the consequences of personal financial decisions.
7 – Design a financial plan (budget) for earning, spending, saving, and investing.
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Module 3 - The Next Big Thing (continued)
Lesson 3.5 Live Within Your Means
Income
1 – Identify components and sources of income.
3 – Relate taxes, government transfer payments, and employee benefits to disposable income.
Money Management
1 – Explain how limited personal financial resources affect the choices people make.
2 – Interpret the opportunity costs of financial decisions.
3 – Evaluate the consequences of personal financial decisions.
4 – Apply decision-making process to personal financial choices.
7 – Design a financial plan (budget) for earning, spending, saving, and investing.
Spending and Credit
1 – Compare the benefits and costs of alternatives in spending decisions.
Project 3 Financial Planning: Beyond the Numbers
Income
1 – Identify components and sources of income.
3 – Relate taxes, government transfer payments, and employee benefits to disposable income.
Money Management
1 – Explain how limited personal financial resources affect the choices people make.
2 – Interpret the opportunity costs of financial decisions.
3 – Evaluate the consequences of personal financial decisions.
4 – Apply decision-making process to personal financial choices.
7 – Design a financial plan (budget) for earning, spending, saving, and investing.
Spending and Credit
1 – Compare the benefits and costs of alternatives in spending decisions.
6 – Evaluate the terms and conditions of credit cards and consumer loans.
10 – Propose ways to avoid or correct credit problems.
Saving and Investing
3 – Examine reasons for saving and investing.
6 – Analyze factors affecting the rate of return on investments.
Module 4 - Our Project
Lesson 4.1 Our Project
Income
1 – Identify components and sources of income.
Money Management
1 – Explain how limited personal financial resources affect the choices people make.
2 – Interpret the opportunity costs of financial decisions.
3 – Evaluate the consequences of personal financial decisions.
4 – Apply decision-making process to personal financial choices.
7 – Design a financial plan (budget) for earning, spending, saving, and investing.
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Module 4 - Our Project (continued)
Lesson 4.1 Our Project (continued)
Spending and Credit
1 – Compare the benefits and costs of alternatives in spending decisions.
2 – Evaluate information about products and services.
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Page xxii
Kansas Standards, Benchmarks & Indicators
Alignment (Grades 6-8)
The Yes, You Can curriculum has been aligned with the History & Government; Economics &
Geography curriculum standards for the state of Kansas.
Module 1 - Now and the Next Five Years
Lesson 1.1 Taking the First Steps
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
No alignment identified.
7th
No alignment identified.
8th
No alignment identified.
Lesson 1.2 Financial Goals
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
Indicator 2 – Explains budgeting requires trade-offs in managing income and spending.
Indicator 3 – Identifies the opportunity cost that resulted from a spending decision.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and services.
8th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 2 – Determines the opportunity cost of decisions related to a personal finance plan or budget.
Lesson 1.3 Spending Plans
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
Indicator 2 – Explains budgeting requires trade-offs in managing income and spending.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and services.
8th
Benchmark 2 – Understands how the market economy works in the United States.
Indicator 2 – Describes the four basic types of earned income.
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Module 1 - Now and the Next Five Years (continued)
Lesson 1.4 Payment Methods
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
No alignment identified.
th
No alignment identified.
8th
No alignment identified.
7
Lesson 1.5 Paychecks
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
No alignment identified.
7th
Benchmark 4 – Analyzes the role of the government in the economy.
Indicator 2 – Examines the relationship between local and state revenues and expenditures (e.g., school
bonds, sales tax, property tax, teacher salaries, curbs and gutters, police force).
8th
No alignment identified.
Project 1 Rosie & Jack: Get Them On Track!
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
Indicator 2 – Explains budgeting requires trade-offs in managing income and spending.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and services.
8th
Benchmark 2 – Understands how the market economy works in the United States.
Indicator 2 – Describes the four basic types of earned income.
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 2 – Determines the opportunity cost of decisions related to a personal finance plan or budget.
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Module 2 - First Steps to Financial Independence
Lesson 2.1 Savings, Banking Services & Interest
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and services.
8th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Explains how saving accumulation is influenced by the amount saved, the rate of return, and
time.
Lesson 2.2 Compound Interest & Rule of 72
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
7th
8th
No alignment identified.
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Explains how saving accumulation is influenced by the amount saved, the rate of return, and
time.
Lesson 2.3 Inflation & Yes, You Can BINGO
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
7th
No alignment identified.
8th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Explains how saving accumulation is influenced by the amount saved, the rate of return, and
time.
Benchmark 2 – Understands how the market economy works in the United States.
Indicator 1 – Analyzes the impact of inflation or deflation on the value of money and people’s purchasing
power (e.g., cattle towns, mining towns, time of “boom” and time of depression).
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Module 2 - First Steps to Financial Independence (continued)
Lesson 2.4 Debt & Easy Access Credit
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
Indicator 2 – Explains budgeting requires trade-offs in managing income and spending.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and services.
8th
No alignment identified.
Lesson 2.5 Advertising
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and services.
8th
No alignment identified.
Project 2 Be Money-Wise: You Are the Expert
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and servcies.
8th
No alignment identified.
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Page xxvi
Module 3 - The Next Big Thing
Lesson 3.1 Investing: Stocks, Bonds & Mutual Funds
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and services.
8th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Explains how saving accumulation is influenced by the amount saved, the rate of return, and
time.
Lesson 3.2 Stocks, Stocks, Stocks
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and services.
8th
Benchmark 5 – Makes effective decisions as a consumer, prducer, saver, investor, and citizen.
Indicator 1 – Explains how saving accumulation is influenced by the amount saved, the rate of return, and
time.
Lesson 3.3 Net Worth Statements
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
7th
8th
No alignment identified.
No alignment identified.
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Module 3 - The Next Big Thing (continued)
Lesson 3.4 Calculate the Expense Categories
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and services.
8th
Benchmark 2 – Understands how the market economy works in the United States.
Indicator 2 – Describes the four basic types of earned income.
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 2 – Determines the opportunity cost of decisions related to a personal finance plan or budget.
Lesson 3.5 Live Within Your Means
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
Indicator 2 – Explains budgeting requires trade-offs in managing income and spending.
Indicator 3 – Identifies the opportunity cost that resulted from a spending decision.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and services.
8th
Benchmark 2 – Understands how the market economy works in the United States.
Indicator 2 – Describes the four basic types of earned income.
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 2 – Determines the opportunity cost of decisions related to a personal finance plan or budget.
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Module 3 - The Next Big Thing (continued)
Project 3 Financial Planning: Beyond the Numbers
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
Indicator 2 – Explains budgeting requires trade-offs in managing income and spending.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and services.
8th
Benchmark 2 – Understands how the market economy works in the United States.
Indicator 2 – Describes the four basic types of earned income.
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Explains how saving accumulation is influenced by the amount saved, the rate of return, and
time.
Indicator 2 – Determines the opportunity cost of decisions related to a personal finance plan or budget.
Module 4 - Our Project
Lesson 4.1 Our Project
Economics
The student uses a working knowledge and understanding of major economic concepts, issues, and systems, applying
decision-making skills as a consumer, producer, saver, investor, and citizen of Kansas and the United States living in an
interdependent world.
6th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Determines the costs and benefits of a spending, saving, or borrowing decision.
Indicator 2 – Explains budgeting requires trade-offs in managing income and spending.
Indicator 3 – Identifies the opportunity cost that resulted from a spending decision.
7th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 1 – Compares the benefits and costs of spending, saving, or borrowing decisions based on
information about products and services.
8th
Benchmark 5 – Makes effective decisions as a consumer, producer, saver, investor, and citizen.
Indicator 2 – Determines the opportunity cost of decisions related to a personal finance plan or budget.
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KANSAS STANDARDS, BENCHMARKS, INDICATORS ALIGNMENT
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Learning Goals
Module 1—Now and the Next Five Years
Lesson 1.1 Taking the First Steps
 Students demonstrate their financial education knowledge by completing a pre-assessment.
 Students are introduced to financial education vocabulary through an engaging game.
 Students define financial independence and outline why it is important to be financially independent.
Lesson 1.2 Financial Goals
 Students identify wants, needs, and opportunity cost.
 Students prioritize financial decisions.
 Students communicate their short-, medium-, and long-term financial goals.
Lesson 1.3 Spending Plans
 Students create spending plans based on fictitious scenarios.
 Students compile information on how to reduce expenses and increase savings.
 Students critique spending plans and determine how to adjust the plan to avoid negative cash flow.
Lesson 1.4 Payment Methods
 Students identify the different payment methods.
 Students conclude the most financially wise payment methods.
 Students defend their choices for the most financially wise payment methods.
Lesson 1.5 Paychecks, Deductions & Taxes
 Students identify the parts of and make sense of a paycheck and paycheck stub.
 Students compute income and sales tax rates.
 Students justify financial issues that impact young people.
Module 1 Project Rosie & Jack: Get Them On Track!
 Students formulate spending plans based on financial information.
 Students devise financial recommendations for fictitious case studies.
 Students create presentations that showcase the unique financial situations of case studies.
Module 2—First Steps to Financial Independence
Lesson 2.1 Savings, Banking Services & Interest
 Students compare different vehicles for saving money.
 Students conclude how and when a financial goal will be achieved, based on time and amount saved.
 Students explore their financial goals and defend how they will achieve them.
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LEARNING GOALS
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Module 2—First Steps to Financial Independence (continued)
Lesson 2.2 Compound Interest & Rule of 72
 Students compare and contrast non-interest bearing and interest bearing saving alternatives.
 Students defend the power of compound interest.
 Students discover how the Rule of 72 is impacted by compound interest.
Lesson 2.3 Inflation & Yes, You Can BINGO Game
 Students compare saving over time and its relationship to the rate of inflation.
 Students interprets how inflation affects the rate of return.
 Students review vocabulary words learned in previous lessons.
Lesson 2.4 Debt & Easy Access Credit
 Students are introduced to the financial concepts (vocabulary) through a game.
 Students understand the importance of setting goals.
Lesson 2.5 Advertising
 Students analyze and evaluate a variety of advertising claims.
 Students critique how advertising targets different audiences.
 Students compare and contrast two similar products and how advertising is used to attract consumers.
Module 2 Project Be Money-Wise: You Are the Expert
 Students create a marketing piece for a credit card company or banking institution.
 Students decide what essential financial information is included in the marketing piece.
 Students defend the design of their marketing piece.
Module 3—The Next Big Thing
Lesson 3.1 Investing: Stocks, Bonds & Mutual Funds
 Students define and categorize different investments such as stocks, bonds, mutual funds, real estate,
collectibles, and precious metals.
 Students explore the different factors that impact risk and reward.
 Students decide investment strategies based on financial goals, age, and personal factors.
Lesson 3.2 Stocks, Stocks, Stocks
 Students understand how to read a stock quote.
 Students identify and compare five stock quotes on two consecutive days.
 Students identify and defend the characteristics that determine investor profiles.
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Module 3—The Next Big Thing (continued)
Lesson 3.3 Net Worth Statements
 Students analyze a financial scenario and create a net worth statement.
 Students compose a paragraph about net worth statements and defend why they are important.
 Students identify, explain, and critique their peers’ financial priorities.
Lesson 3.4 Calculating the Expense Categories
 Students read a case study and create a detailed spending plan.
 Students calculate the expense category percentages.
 Students determine expenses that could be reduced or eliminated.
Lesson 3.5 Live Within Your Means
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Students create spending plans and net worth statements.
Students interpret spending plans and adjust based on financial surprises.
Students defend their financial decisions.
Students review financial vocabulary.
Module 3 Project Financial Planning: Beyond the Numbers
 Students critique a financial case study.
 Students create presentations that address spending plans, expense category percentages, emergency
funds, investments, debt, financial goals, and living within your means.
 Students defend their financial recommendations.
Module 4—Our Great Idea
Lesson 4.1 Project
 Students articulate important community, state, national, and/or international issues.
 Students decide which issue they as a class would like to address.
 Student break down the tasks necessary to complete their project and collaborate to complete the project.
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