1. Financial Literacy
Grades 9-12

2. Grades 9-12 Financial Literacy Content Standards
By the conclusion of grade 12, each student will have learned to evaluate and assess personal financial literacy skills for success in a complex financial environment. Students will practice setting financial goals, evaluate financial information, examine loans and investments, and apply financial knowledge for college and career decision-making.

3. Financial Literacy Content Standards (1of 2) These are new Nevada Academic Content Standards (NVAC)

4. Financial Literacy Content Standards (2of 2) These are new Nevada Academic Content Standards (NVAC)

5. Financial Literacy Content Standards Financial Decision Making
FL.1. Analyze the alternatives and consequences of financial decision-making in the development of financial goals
FL.2. Evaluate assessment and computation of taxes at the local, state, and federal level.
FL.3. Locate and evaluate financial information from various sources.
Lesson Plan Resources
Tax Basics - In class lesson and activity discussing tax basics. (Next Gen)
Try A Real Life Decision - Buy it? Pass it up? Charge it? These are the questions that should occur to you each time you are thinking of buying something. (Themint.org)
Scarcity, Choice and Decisions - The interrelated concepts of scarcity, choice, and costs form a basic economic trilogy. Since most families have financial resources far more limited than their wants, individuals and families face the problem of dealing with money scarcity. (Themint.org)

6. Financial Literacy Content Standards Savings and Spending
FL.4 Develop and evaluate a personal financial plan including a savings plan utilizing a financial recordkeeping Systems of Accounts
Lesson Plan Resources
Saving - Lesson guide and student activity packet about savings basics. (NextGen)
Saving of A Rainy Day –Saving for a new phone or laptop isn’t unusual for teens, but thinking beyond immediate wants can be a bigger challenge. This lesson introduces students to the concepts of saving for an emergency and other long-term expenses such as college, a home and retirement. (Practicalmoneyskill.com)

7. Financial Literacy Content Standards Credit and Debt
FL.5. Analyze the cost and benefits of different types of credit and debt including how to avoid and resolve debt problems.
FL.6. Explain the purpose of a credit report, how that report is used by lenders, employers and insurers, and the borrower’s access, rights, and responsibilities related to a credit report.
FL.7. Compare and contrast different types of loans with attention to, interest rates, terms of the loan, compounding frequency in relation to managing debt and consequences of acquiring debt.
Lesson Plan Resources
Types of Credit - Lesson guide and student activity packet discussing credit basics. (NextGen)
Managing Credit - Lesson guide and student activity packet discussing how to manage credit. (NextGen)

8. Financial Literacy Content Standards: Insurance, Investing and Risk
FL.8. Analyze methods to prevent and limit the consequences of identity theft and fraud.
FL.9. Distinguish the cost and benefits of various investment strategies including securities, stocks, and bonds; with attention to compound interest, risk, and methods of buying and selling investments.
FL.10. Analyze the purpose and specifics of various insurance plans as well as compare quality of insurance providers
Lesson Plan Resources
Scams, Fraud, and Identify Theft - Lesson Plan identifying both broad categories and specific types of financial scams and methods for preventing them. (NextGen)
The Stock Market Game - Stock Market Game – an interactive online contest to help students build a fundamental understanding of investing while providing them with real world skills practice in math, English Language Arts, economics, social studies, and other subjects. (stockmarketgame.org)
Investing - Lesson guide and activity packet discussing the difference between saving and investing and when to use each strategy (NextGen)

9. Financial Literacy Content Standards Insurance, Investing, and Risk - Cont.
Lesson Plan Resources Cont.
Insurance Basics - Lesson plan discussing the difference between saving and investing and when to use each strategy. (NextGen)
Risk & Rewards - Lesson plan discussing how to read and interpret stock market price reports. (themint.org)

10. Financial Literacy Content Standards: College, Career and Preparedness
FL.11. Evaluate college and career choices and their effect on income, disposable income, unemployment and underemployment.
FL.12. Practice completing important financial, academic, and career documents including but not limited to: loan applications, scholarship applications, job applications, resumes, etc.
FL.13. Analyze the requirements and benefits of postsecondary financing options.
Lesson Plan Resources
Paying for College – In class lesson discussing paying for college, FAFSA, loans and grants. (NextGen)
Creating A Resume and Cover Letter – In class lesson and activity covering goals and components of a successful resume and cover letter. (NextGen)
Apply For A Personal Loan – In class activity of going to through the process of applying for a loan. (NextGen)

11. Financial Literacy Content Standards: College, Career and Preparedness Cont…
As part of a project to support the Nevada State Treasurer’s Office, a series of lesson plans and curriculum content was developed specifically for 9-12th Grade Teachers in Nevada, which are listed below and continued on the subsequent page:
Resources for 9-12th Grade Teachers
Nevada Saves: Checklist for Freshman Students and Parents
Nevada Saves: Checklist for Sophomore Students and Parents
Nevada Saves: Checklist for Junior Students and Parents
Nevada Saves: Checklist for Senior Students and Parents
Nevada Saves: What’s Next, Life After High School
Nevada Saves: College or Career Bound Planning
Nevada Saves: College Requirements
Nevada Saves: The Price of College

12. Financial Literacy Content Standards: College, Career and Preparedness Cont…
Center for Educational Partnerships: My High School Educational Journey
State of Oklahoma: Career Interest Survey for Students
The College Board: How to make a College Plan
The College Board: How to make a College List

13. Educator Resources (1 of 2)
Next Generation Personal Financial – High School Activities and Educator Guides: High School Activities . To access additional resources and learn more, visit the Next Gen website:
FoolProof’s Financial Literacy Curriculum FoolProof’s Financial Literacy Curriculum is free, web-driven, highly interactive, and self-grading. Their middle school and high school curriculum was developed with input from teachers, students, and consumer advocates, not with input from marketers: To access additional resources and learn more, visit the Fool Proof Me website:
NEFE (National Endowment for Financial Education) High School Financial Planning Program: FREE NEFE’s High School Financial Planning Program® (HSFPP) is a free turnkey financial literacy program specifically focused on basic personal finance skills that are relevant to the lives of teens in Grades To access additional resources and learn more, visit the Fool Proof Me website:

14. Educator Resources (2 of 2)
investinwhatsnext.org – an interactive website which helps students identify a rang of options of life after high school.
Personal Finance For Teens  - a website with information and links for high school students on making a financial plan, spending smart, and the importance of starting to save, even when you’re in high school. The site includes a money game, a savings calculator and an interactive quiz.
Learn More about Taxes - Whether you're "on assignment" or just browsing the Web, this set of 38 Understanding Taxes student lessons has something for everyone.
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