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The framework emphasizes budgeting, buying, saving, borrowing, career and retirement planning, investing, estate planning, insurance, and income taxes. It includes guidance for aligning instruction with essential skills, SCED identification, scheduling over a 90-day semester, and ensuring competency/performance indicators are fully covered through outcomes and measurement.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":46,"@type":70,"position":76},"https://docshare.wps.com/template/paper-templates/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/colorado-cte-course-personal-finance-scope-and-sequence/303162/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/colorado-cte-course-personal-finance-scope-and-sequence/303162.png","ImageObject",442,249,{"name":88,"@type":89},"Kyle","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-02","2026-09-19",true,{"@type":98,"interactionType":99,"userInteractionCount":47},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What does the Personal Finance course emphasize?","Question",{"text":108,"@type":109},"The course surveys basic personal finance needs and introduces tools for planning and establishing a successful personal financial philosophy, emphasizing budgeting, saving, borrowing, investing, and related planning areas.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"Which competencies and outcomes are included for budgeting and spending plans?",{"text":113,"@type":109},"Students define key terms, identify common income and expenses, distinguish fixed vs. variable expenses, explain developing a personal budget, and demonstrate steps for building and tracking a budget for goal achievement.",{"name":115,"@type":106,"acceptedAnswer":116},"How is the course structured for scheduling and alignment?",{"text":117,"@type":109},"The scope and sequence uses SCED identification 19262 and schedule calculation based on 60 calendar days within a 90-day semester, with additional time possible for activities like guest speakers, presentations, field trips, remediation, or other topics.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},303162,1790292689,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":45,"category_name":46,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":47,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":15,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":79},3985741905716,"https://ap-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","Colorado CTE Course – Scope and Sequence  \n\n| Course Name | Personal Finance |  | Course Details | .5 credits |  |\n| --- | --- | --- | --- | --- | --- |\n|  |  |  | Course = 0.50 Carnegie Unit Credit |  |  |\n| Course Description | Surveys the basic personal finance needs of most individuals and introduces the personal finance tools useful in planning and instituting a successful personal financial philosophy. The course emphasizes the basics of budgeting, buying, saving, borrowing, career planning, investing, retirement planning, estate planning, insurance, and income taxes. |  |  |  |  |\n| Note: | This is a suggested scope and sequence for the course content. The content will work with any textbook or instructional resource. Next Gen Personal Finance is a great free resource. If locally adapted, make sure all competencies/performance indicators are covered. Aligns to competencies of the BUS116 course in the CCNS. Concurrent enrollment consideration is only given through your local community college partner. |  |  |  |  |\n| SCED Identification \\# | 19262 | Schedule calculation based on 60 calendar days of a 90-day semester. Scope and sequence allows for additional time for guest speakers, student presentations, field trips, remediation, or other content topics. |  |  |  |\n| All courses taught in an approved CTE program must include Essential Skills embedded into the course content. The Essential Skills Framework for this course can be\u003Cbr>found at [https://www.cde.state.co.us/standardsandinstruction/essentialskills](https://www.cde.state.co.us/standardsandinstruction/essentialskills) |  |  |  |  |  |\n| Instructional Unit Topic | Suggested\u003Cbr>Length of\u003Cbr>Instruction | CTE or Academic Standard Alignment | Competency / Performance Indicator | Outcome / Measurement | CTSO\u003Cbr>Integration |\n| Setting Financial Goals | 17 days |  |  |  |  |\n| Budgeting and spending plans |  | Understand the fundamental principles of money needed to make financial exchanges. | Construct a workable plan using goal setting and budgeting. | a. Define the following terms: personal budget, income, and expenses.\u003Cbr>b. Identify common personal income and expenses.\u003Cbr>c. Distinguish between fixed and variable expenses.\u003Cbr>d. Discuss the importance of developing a personal budget to manage spending and reach financial goals.\u003Cbr>e. Explain steps for developing a personal budget.\u003Cbr>f. Explain the role of ongoing tracking and analysis when budgeting. | FBLA:\u003Cbr>Personal\u003Cbr>Finance\u003Cbr>DECA:\u003Cbr>Personal\u003Cbr>Financial\u003Cbr>Literacy |\n\n\n|  |  |  |  | g. Demonstrate steps for developing a personal budget. |  |\n| --- | --- | --- | --- | --- | --- |\n| Banking and saving |  | Analyze financial needs and goals to determine financial requirements. | \u003Cbr>Demonstrate a basic knowledge of the banking and savings tools offered by financial institutions. | a. Define the following terms: saving, investing, financial needs, and financial goals.\u003Cbr>b. Identify types of financial needs (e.g. , college, retirement, wills, insurance, etc.) .\u003Cbr>c. Discuss ways individuals meet financial needs.\u003Cbr>d. Discuss the importance of setting financial goals to meet financial needs.\u003Cbr>e. Explain the concept of using money to make money.\u003Cbr>f. Distinguish between saving and investing.\u003Cbr>g. Compare the outcome of\u003Cbr>saving/investing early versus late in life.\u003Cbr>h. Describe ways individuals benefit from saving/investing. | FBLA: Personal Finance\u003Cbr>DECA: Personal Financial Literacy |\n|  |  |  | Explain the need to save and invest | a. Define the following terms: saving, investing, financial needs, and financial goals.\u003Cbr>b. Identify types of financial needs (e.g. , college, retirement, wills, insurance, etc.) .\u003Cbr>c. Discuss ways individuals meet financial needs.\u003Cbr>d. Discuss the importance of setting financial goals to meet financial needs.\u003Cbr>e. Explain the concept of using money to make money.\u003Cbr>f. Distinguish between saving and investing.\u003Cbr>g. Compare the outcome of\u003Cbr>saving/investing ear","cbCaiivTeBOhkmb4","https://ap.wps.com/l/cbCaiivTeBOhkmb4","pdf",252808,"English","# Course Overview\n## Course Description and Notes\n## SCED Identification and Alignment Requirements\n# Instructional Unit Topics and Measurements\n## Setting Financial Goals\n## Budgeting and Spending Plans\n## Banking and Saving\n## Earning Your Money\n## Allocating Money to Achieve Goals","[{\"question\":\"What does the Personal Finance course emphasize?\",\"answer\":\"The course surveys basic personal finance needs and introduces tools for planning and establishing a successful personal financial philosophy, emphasizing budgeting, saving, borrowing, investing, and related planning areas.\"},{\"question\":\"Which competencies and outcomes are included for budgeting and spending plans?\",\"answer\":\"Students define key terms, identify common income and expenses, distinguish fixed vs. variable expenses, explain developing a personal budget, and demonstrate steps for building and tracking a budget for goal achievement.\"},{\"question\":\"How is the course structured for scheduling and alignment?\",\"answer\":\"The scope and sequence uses SCED identification 19262 and schedule calculation based on 60 calendar days within a 90-day semester, with additional time possible for activities like guest speakers, presentations, field trips, remediation, or other topics.\"}]","Colorado CTE Course - Personal Finance - Scope and Sequence | PDF",1789800153]