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Starting in the 23-24 school year, and with the incoming freshman cohort this course is a graduation requirement.
This course may be taken as an elective by students outside of the graduation core cohort. -Elective Courses: 8 credits. Financial Literacy Instructional Requirement.
Principal Approved Final
This course is reccommended for 9th or 10th grade.
None
This course meets the statutory requirement outlined in Section 1003.4282(3)(h), Florida Statutes, which states that beginning with students entering grade 9 in the 2023-24 school year, each student must earn one-half credit in personal financial literacy and money management.
Everfi Financial Literacy Modules
Next Gen Personal Finance
Florida Council for Economic Education - Financial Freedom Text
In Personal Finance and Money Management Honors, instructional time will emphasize seven areas:
(1) exploring how personal financial decisions are made, including understanding how cognitive biases impact decision making;
(2) understanding how wages and salaries are earned, including the types of taxes owed, and evaluating various post-secondary paths and career options;
(3) developing personal or family budgets and exploring how to purchase goods and services by weighing the costs and benefits of those goods and services;
(4) analyzing how interest can be earned by saving now, which allows for the purchase of more goods and services later and understanding how to compare various savings accounts and services offered through financial institutions;
(5) determining advantages and disadvantages of credit accounts that allow for the borrowing of money to purchase goods and services while paying for them in the future, usually with interest, and short- and long-term loans;
(6) developing understanding of planning for the future through investment accounts and retirement plans and comparing investment choices by analyzing rates of return and risk, while analyzing how diversification is one way to reduce investment risk;
(7) recognizing that there are risks that can result in lost income, health, or identity and that those risks can be accepted, reduced, or transferred to others through the purchase of insurance
Curricular content for all subjects must integrate critical-thinking, problem-solving, and workforce-literacy skills; communication, reading, and writing skills; mathematics skills; collaboration skills; contextual and applied-learning skills; technology-literacy skills; information and media-literacy skills; and civic-engagement skills.
All clarifications stated are expectations for instruction of that benchmark.
Honors and Accelerated Level Course Note: Accelerated courses require a greater demand on students through increased academic rigor. Academic rigor is obtained through the application, analysis, evaluation, and creation of complex ideas that are often abstract and multi-faceted. Students are challenged to think and collaborate critically on the content they are learning. Honors level rigor will be achieved by increasing text complexity through text selection, focus on high-level qualitative measures, and complexity of task. Instruction will be structured to give students a deeper understanding of conceptual themes and organization within and across disciplines. Academic rigor is more than simply assigning to students a greater quantity of work.
