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Each unit defines clear student objectives, including calculating earnings and net pay, managing checking and savings accounts, computing interest and APR, interpreting leases and insurance terms, estimating moving and ownership costs, completing tax forms and refunds, building and adjusting monthly budgets, evaluating investment options, and budgeting trips by destination and travel mode.",{"@graph":63,"@context":119},[64,80,102],{"@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/financial-literacy-essential-curriculum-unit-i-ix/303531/",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/financial-literacy-essential-curriculum-unit-i-ix/303531.png","ImageObject",442,249,{"name":88,"@type":89},"Jordan Avery","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-04","2026-09-19",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",7,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What skills does Unit I focus on for earning money?","Question",{"text":109,"@type":110},"Unit I targets how students can use problem-solving to determine how money is earned, including differences among wages, salary, and commission, plus computing earnings and net pay and completing a W-4 form.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"What do students learn in the Banking unit?",{"text":114,"@type":110},"The Banking unit emphasizes managing checking and savings accounts through comparing service charges, writing checks and tracking them, reconciling statements, and computing online banking charges and compound interest.",{"name":116,"@type":107,"acceptedAnswer":117},"How does the curriculum address taxes and budgeting?",{"text":118,"@type":110},"The Taxes unit builds responsibility as taxpayers by connecting paycheck withholdings to IRS outcomes and completing federal 1040 forms, while the Budgeting unit helps students set goals, develop a monthly personal budget from spending habits, and evaluate and adjust it.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},303531,1790184223,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":45,"category_name":46,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":76,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":9},1099523882367,"https://ap-avatar.wpscdn.com/davatar_9964176cb1d06d4a9deccf72a44ae3dc","Financial Literacy Essential Curriculum  \nUNIT I: Earning Money  \nGoal: The student will demonstrate the ability to use a problem-solving approach to discover how money can be earned. The student will discover the differences between earning wages, earning a salary, and working on a commission.  \nObjectives – The students will be able to:  \na. Compute earnings  \nb. Investigate jobs and their educational requirements  \nc. Predict the job market  \nd. Anticipate fringe benefits  \ne. Calculate net pay  \nf. Understand taxes, withholdings, dependents, health insurance, and social security  \ng. Fill out a W-4 form  \nh. Understand the cost of living for various locations  \ni. Compute the cost of health benefits.  \nUNIT II: Banking  \nGoal: The student will demonstrate the ability to use a problem-solving approach to manage a checking and saving account.  \nObjectives – The students will be able to:  \na. Compare bank service charges  \nb. Compute the total checking account deposit  \nc. Write checks and maintain a check register  \nd. Reconcile a bank statement with the corresponding check register balance  \ne. Compute online banking charges  \nf. Compare savings accounts to determine the best return on the principle  \ng. Compute the new balance on an account statement after a transaction has been made and/or interest has been credited  \nh. Calculate compound interest and the total amount due  \ni. Calculate compound interest using tables.  \nUNIT III: Credit and Loans  \nGoal: The students will demonstrate the ability to use a problem-solving approach to explore credit and various types of loans.  \nObjectives-The students will be able to:  \na. Explain the process of using a credit card and their purpose in the marketplace  \nb. Calculate the new balance on a charge account  \nc. Calculate interest charges using the Annual Percentage Rate (APR)  \nd. Calculate interest charges and determine the Annual Percentage Rate (APR)  \ne. Explain the process used in determining a sample individual's credit rating  \nf. Determine strategies that will eliminate debt and ensure financial stability  \ng. Calculate interest, payment, new balance, and final payment of a loan.  \nUNIT IV: Housing  \nGoal: The student will demonstrate the ability to use a problem-solving approach to make responsible housing decisions.  \nObjectives-The students will be able to:  \na. Suggest criteria on which to select an apartment based on income and personal preference  \nb. Calculate the annual cost of renting an apartment  \nc. Interpret a rental lease  \nd. Calculate the cost of moving given predetermined criteria  \ne. Calculate the cost of equipping an apartment, including utilities  \nf. Interpret rental insurance agreements  \ng. Calculate property depreciation  \nh. Compare the cost of renting a house to the cost of buying a home  \ni. Calculate the closing costs of purchasing a home  \nj. Compute the total costs of owning a home.  \nUNIT V: Transportation  \nGoal: The student will demonstrate the ability to use a problem-solving approach to calculate the cost of owning and operating a car. The student will compare and select car insurance options.  \nObjectives-The students will be able to:  \na. Calculate the cost of purchasing a new car  \nb. Estimate the resale value of a used care, given asking price and terms of finance  \nc. Determine the costs of leasing a car given asking price and terms of finance  \nd. Compare the equity and depreciation of a new car to that of a used car  \ne. Compare the terms of financing a car using different payment plans  \nf. Calculate the costs of owning and operating a car, including gas, maintenance, and insurance.  \nUNIT VI: Taxes  \nGoal: The student will demonstrate the ability to use a problem-solving approach to recognize their responsibilities as taxpayers and complete the 1040 forms. They will see a connection between how much was taken out of their paycheck and how much of that money will be kept by the IRS.  \nObjectives – The students will be able to:","cbCaipivp5iaB2MK","https://ap.wps.com/l/cbCaipivp5iaB2MK","pdf",83732,"English","# Unit I: Earning Money\n# Unit II: Banking\n# Unit III: Credit and Loans\n# Unit IV: Housing\n# Unit V: Transportation\n# Unit VI: Taxes\n# Unit VII: Budgeting\n# Unit VIII: Investments and Retirement\n# Unit IX: Travel and Vacation","[{\"question\":\"What skills does Unit I focus on for earning money?\",\"answer\":\"Unit I targets how students can use problem-solving to determine how money is earned, including differences among wages, salary, and commission, plus computing earnings and net pay and completing a W-4 form.\"},{\"question\":\"What do students learn in the Banking unit?\",\"answer\":\"The Banking unit emphasizes managing checking and savings accounts through comparing service charges, writing checks and tracking them, reconciling statements, and computing online banking charges and compound interest.\"},{\"question\":\"How does the curriculum address taxes and budgeting?\",\"answer\":\"The Taxes unit builds responsibility as taxpayers by connecting paycheck withholdings to IRS outcomes and completing federal 1040 forms, while the Budgeting unit helps students set goals, develop a monthly personal budget from spending habits, and evaluate and adjust it.\"}]","Financial Literacy Essential Curriculum - Unit I-IX | PDF",1789804882]