Title: Course Introduction (Teacher Only)
Course: Kentucky Sample Personal Finance Curriculum > Section: Course Introduction (Teacher Only)

A Kentucky Sample Personal Finance Curriculum
Curriculum Overview
This approach aligns with the Kentucky Academic Standards for Financial Literacy and the grade 9-12 bands for those standards. The units of the curriculum and the topics covering the standards are as follows:

- Careers, Education & Income— careers, investment in human capital, earning income, and paying taxes, PACED decision-making model, trade-offs, opportunity costs, and planning and tracking goals

- Credit & Debit- types of credit, costs of credit, credit reports, credit scores, credit counseling, bankruptcy, and consumer protection

- Decision Making & Money Management- PACED decision-making model, trade-offs, opportunity costs, and planning and tracking goals, budgeting, types of financial institutions and their products, payment methods, and types of financial professionals

- Savings & Investing- interest rates, time value of money, inflation, employer benefits, return on investment, risk and return, and diversification

- Money and the Economy- functions of money, financial intermediaries, purpose of taxation, social insurance programs, and regulatory agencies

- Insurance & Risk Management- risk, property and casualty insurance, health insurance, life insurance, fraud and identity theft, protecting personal financial information

- Buying goods and services—budgeting, planning, collecting information, and consumer protection

- Saving—interest rates, time value of money, inflation, employer benefits, and financial regulations

- Financial investing—return on investment, risk and return, diversification, capital markets, taxes and investments, and consumer protection

- Protecting and insuring—types of insurance, deductibles, identify theft and fraud

The resources included here use a variety of strategies designed to engage students in the learning process and equip them with the knowledge and skills necessary to make informed personal finance decisions. Each unit lists a variety of resources on the given topic(s) for use over multiple class periods or out-of-class assignments. All resources are available online for free. The time required to use each resource varies and can range from a few minutes to longer periods of time.

Each themed unit includes the following:
Unit Description: The unit description indicates the overall purpose of the unit.
Talking Points: The talking points provide simple wording of the main concepts in the unit. The points are not tied to a particular resource and are not intended to be presented in their entirety as listed; rather, teachers are encouraged to reference the talking points as needed.

Standard and Benchmarks: The standard and benchmarks met by the unit are listed.