|Pillars of Student Success||
|Program Implementation||Program Grade-Level|
|Classroom Based||Grades 9-12|
|Program Concepts||Program Skills|
|Benefits versus costs, budgeting, compound interest, consequences, cost of living, credit, credit card fraud, credit reporting and rating, debt, delayed gratification, earnings, education, expense tracking, financial management, identity theft, income, information mining, interest, investing, job skills, limited resources, liquidity, maximizing earnings, opportunity cost, pawnshop, payday loan, priorities, rent-to-own, return on investment, reward, risk, saving, savings plan, unlimited wants, variable and discretionary expenses||Analyze and evaluate data from multiple sources, car buying, comparing results, comparison shopping, computer skills, create savings plan, critical thinking, decision making, disputing unauthorized charges on a credit card, estimating, evaluate the risk and reward of an opportunity, evaluating online resources, evaluating options, evaluating personal skills, grocery shopping, interpreting analogy, long-term planning, online research, personal inventory, planning, predicting outcomes, presentation skills, prioritizing, proactive planning, problem solving, recognizing scams and fraud, requesting and checking credit report, research, saving and investing, sorting, teamwork, tracking expenses, weighing costs and benefits|
Students learn that healthy personal finances require planning and managing. Students begin to analyze the financial implications of educational and career choices as a basis for understanding the relationship between earnings and personal finance.
Students investigate the importance of budgeting and how to plan for staying within a budget.
Students analyze the role that saving plays in their personal finances. They recognize that having a healthy savings plan is necessary in all phases of life, but is especially critical for big-ticket items and emergencies.
Students explore the importance of credit and identify the outcomes of wise and poor uses of credit. Students role-play as lenders to evaluate risk and make decisions about giving credit.
Students investigate factors that may pose a threat to their finances and learn ways they can protect themselves through vigilance and making smart choices.
Students explore making informed purchasing decisions to maximize their buying power. They work in groups to compare prices in a simulated shopping experience.
Students investigate risks that can lead to financial loss and practice applying appropriate risk management strategies in scenarios.
Junior Achievement Student
"Junior Achievement has given me a sense of what adults go through with budget issues."
Junior Achievement Student
"I liked how the Junior Achievement volunteer explained his job to us."