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Personal Finance Course for High School Graduates

© IFWF 2024

01

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Introduction to Personal Finance (“Money Matters: Earning and Spending”)

Vocabulary: Budget, Savings, Income, Expenses, Debt, Interest, Credit Score
Concepts: Importance of budgeting, understanding income and expenses, importance of an emergency fund, basics of saving for future goals

03

Understanding Credit and Loans

(“Credit and Debt: Friends or Foes?”)

Vocabulary: Credit Report, Loans, Interest Rate, Credit Card
Concepts: What is credit, how to use credit cards responsibly, understanding loans and interest rates, types of loans (auto and mortgage)

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02

Tax Basics

(“Basics of taxes, why they matter”)

Vocabulary: Income Tax, W-2, Payroll Tax, Tax Deduction, Tax Credit, Retirement Accounts 401(k), IRA
Concepts: Understanding taxes, basics of filing taxes, common deductions and credits

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04

  1. Students will know and use key banking terms.

  2. Students will identify differences between a checking and savings account.

  3. Students will demonstrate the ability to write a check.

  4. Students will demonstrate the ability to understand the sections of a bank statement.

  5. Students will understand how to keep track of their checking account.

  6. Students will learn how to make a deposit into a checking account.

Insurance and Risk Management (“Insurance: Protecting Yourself”)

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05

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Introduction to Investing, Risk and Return

(“Investing 101: Growing Your Money”)

Vocabulary: Asset, Investment, Portfolio, Stocks, Bonds, Mutual Funds, ETF (Exchange-Traded Fund), Risk, Return, Volatility
Concepts: Introduction to investing, the relationship between risk and return, importance of diversification, understanding different asset classes, market dynamics

06

Planning for the Future

(“Future Goals: Planning Ahead”)

Vocabulary: Financial Goals, Estate Planning, Retirement Planning
Concepts: Importance of long-term financial planning, setting and achieving financial goals

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