My Money Grows Curriculum Teacher Pacing Guide

My Money Grows Curriculum Teacher Pacing Guide

Academic Year 2025

Legend & Guidelines

Budgeting
2 weeks • 6 lessons
Credit
2 weeks • 5 lessons
Investing
3 weeks • 8 lessons
Lesson Topic Category Week Duration Standards Addressed Key Learning Objectives
Week 1 - Introduction to Financial Wellness
BUDGETING FUNDAMENTALS
Money Memories Budgeting Week 1 55 min SS.912.FL.1.1 Evaluate and reflect on how values affect personal financial decision-making Students explore personal financial values and attitudes through reflection exercises
Needs vs Wants Budgeting Week 1 55 min SS.912.FL.3.1 Analyze factors that influence consumer decision-making process Distinguish between needs and wants; analyze decision-making factors
SMART Goals Budgeting Week 1 55 min SS.912.FL.4.4 Analyze the impact of spending versus saving Create specific, measurable financial goals; understand spending vs saving impact
Week 2 - Budgeting & Tax Fundamentals
Budget Development Budgeting Week 2 55 min SS.912.FL.3.9 Develop a budget based on given income and expenses Create comprehensive budgets for long-term and short-term goals
Introduction to Taxes Budgeting Week 2 55 min SS.912.FL.2.6 Explain that taxes fund government goods and services Understand tax purposes and distribution across government levels
Understanding Paystubs Budgeting Week 2 55 min SS.912.FL.2.8 Evaluate how income sources affect types and amounts of taxes Analyze paystub components and tax implications
Week 3 - Credit Fundamentals
CREDIT & FINANCIAL RESPONSIBILITY
Why Credit is Important Credit Week 3 55 min SS.912.FL.5.5 Explain that lenders make credit decisions based on payment history Understand credit importance and lender decision-making factors
What is Credit? Credit Week 3 55 min SS.912.FL.5.2 Explain why banks compete by offering credit at low introductory rates Define credit and understand competitive lending practices
Ways to Build Credit Credit Week 3 55 min SS.912.FL.5.7 Discuss that lenders can pay to receive borrower's credit score Explore strategies for building and maintaining good credit
Week 4 - Credit Management
Good vs Bad Credit Scores Credit Week 4 55 min SS.912.FL.5.1 Analyze ways consumers can compare cost of credit using APR Compare credit scores and analyze credit costs using APR
Credit Utilization Credit Week 4 55 min SS.912.FL.5.1 Compare credit costs including fees for late payment Understand credit utilization ratios and fee structures
Week 5 - Investment Fundamentals
INVESTMENT & WEALTH BUILDING
Introduction to Investing Investing Week 5 55 min SS.912.FL.4.4 Identify and compare different means and risks of saving and investing Compare saving vs investing; understand inflation and interest rate impacts
Investment Income Types Investing Week 5 55 min SS.912.FL.2.7 Explain how interest, dividends, and capital gains are forms of income Understand different types of investment income and their characteristics
Stock Market Simulation Investing Week 5 55 min SS.912.FL.4.6 Simulate stock portfolio purchase and evaluate worth over time Hands-on portfolio simulation including gains, losses, and fees
Week 6 - Advanced Investment Concepts
Diversification & Risk Management Investing Week 6 55 min SS.912.FL.6.7 Describe how diversifying investments can lower risk Learn portfolio diversification strategies and risk management
Investment Costs & Fees Investing Week 6 55 min SS.912.FL.6.3 Explain how expenses decrease rate of return from investment Understand how fees and expenses impact investment returns
Investment Account Types Investing Week 6 55 min SS.912.FL.6.13 Describe purpose of retirement and education investment accounts Compare different types of investment accounts and their purposes
Week 7 - Investment Planning & Review
Investment Vehicle Options Investing Week 7 55 min SS.912.FL.6.1 Explain purpose of stocks, bonds, mutual funds, ETFs, and real estate Explore various investment options and their characteristics
Long-term Financial Planning Investing Week 7 55 min SS.912.FL.2.7 Describe purpose of retirement and education investment accounts Create comprehensive long-term financial plans and investment strategies