HSFPP Revised Curriculum

Unit 1--Financial Planning: Your Roadmap

• Overview: What Is Financial Planning? (A Five Step Plan)
• Step One: Establishing Goals
• Needs Versus Wants
• Setting Goals
• Timelines for Goals
• Step Two: Analyze Information
• Step Three: Create a Plan
• Making Decisions
• Putting It All Together
• Step Four: Implement the Plan
• The 3 R's of Money
• Personal Financial Responsibility
• Step Five: Monitor and Modify the Plan
• What You've Learned in Unit 1
• Action Steps

Unit 2--Career: Labor You Love

• Overview: Work and Money
• Your Career
• What Employers Want
• Making Money
• After High School: Then What?
• The Costs and Benefits of College Education
• Other Education Options
• Entrepreneurship
• Becoming an Entrepreneur
• Your Career and Your Financial Future
• What Employees Want
• Cost of Living
• Starting a Family
• What You've Learned in Unit 2
• Action Steps

Unit 3--Budget: Don't Go Broke

• Overview: What is a Budget?
• Money Coming In
• Reading Your Pay Stub
• What's a W 4 for?
• Money Going Out
• Cash Management
• Building Your Own Budget
• P.Y.F. (Pay Yourself First)
• Making the Most of Your Dollars
• Cost/Benefit Analysis
• What do You Spend Your Money On?
• Other Tools To Help You Handle Your Cash
• Transaction Services
• The Envelope System
• Record Keeping
• What You've Learned in Unit 3
• Action Steps

Unit 4--Savings & Investments: Your Money at Work

• Overview: Savings? Investing? What's the Difference?
• Why is Money Important?
• Time Value of Money
• Compounding
• The Rule of 72
• Key Investment Principles
• Time
• The Advantage of Starting Early
• Risk and Return
• Diversification
• Inflation and Taxes
• Savings and Investment Choices
• Income Investments (Lenders)
• Growth Investments (Owners)
• Mutual Funds
• What You've Learned in Unit 4
• Action Steps

Unit 5--Credit: Buy Now, Pay Later

• Overview: Credit 101
• Credit Costs
• Credit Benefits
• Sources of Credit
• Credit Cards
• Installment Loans
• Student Loans
• Mortgages
• Setting Limits on Credit
• Comparing Credit Offers
• Credit Reports
• Your Credit Record
• Credit Scoring
• Debt
• Rights and Responsibilities
• How to Get out from Under Excessive Debt
• Bankruptcy
• What You've Learned in Unit 5
• Action Steps

Unit 6--Insurance: Your Protection

• Overview: Personal Risk
• Insurance Basics
• Keeping Your Costs Down
• Auto Insurance
• Coverage Amounts
• Shopping for Auto Policies
• Future Insurance Needs
• Health Insurance
• Property Insurance
• Life Insurance
• Disability Insurance
• Liability Insurance
• Your Insurance Plan
• What You've Learned in Unit 6
• Action Steps, Glossary, & Index
• Portfolio Pages: My Personal Finance Portfolio

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