





We compared our learning materials and the core financial literacy concepts that are covered in our Budget and Stock Games to the academic standards for career studies in the state of Kentucky.
A list of the Academic Standards for Career Studies for Kentucky are below, along with a selection of activities from our games and library that align with each standard. Our Learning Library contains over 300 total lessons that can be customized for every class, so this may not include every lesson that may apply for each standard.
Students will learn through playing the interactive online games, as well as completing the self-graded lessons that were designed to keep young learners engaged.
When you order PersonalFinanceLab® for your class, you’ll also get access to course outlines, lesson plans, student activities and grading rubrics that tie everything together.
Check out our course outlines, we’ll walk you through every step of the way!
We’re here to help engage your students to learn how to manage their money responsibly. Learn more about each of the main features and see how we can help transform your class.

Build your students confidence in the financial markets as they learn how to invest their money wisely.
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Discover how the fully customizable platform can be tailored to fit the needs of your class by talking to a member of our team. Our curriculum specialists can guide you on how to integrate our lessons and games into your existing curriculum.
Schedule a callFind out which of our lessons or games reinforce the individual
knowledge statements from the Academic Career Studies Standards for Kentucky
Legend:
Long-Term Game
Comprehensive Chapter
Short Lesson
Interactive Calculator
Includes Automatically-Graded Assessment
| Standard | Activity | Long-Term Game | Comprehensive Chapter | Short Lesson | Interactive Calculator | Graded Assessment |
| CAREERS, EDUCATION & INCOME | ||||||
| Develop and manage financial goals for the future based on one’s career choice and lifestyle expectations to meet the needs of individuals and families. |
Lesson – Planning Your Career Path Lesson – The Cost of Raising a Family Lesson – The Secret to a Comfortable Retirement | |||||
| Explain how income can be earned (e.g., wages, commission) or unearned (e.g., interest, capital gains). |
Lesson – What’s in Your Compensation Package? Lesson – What is Money? Lesson – Building Wealth | |||||
| Explain net income (i.e., wages and salaries minus payroll deductions equal net income or take home pay). |
Budget Game – Core Component Lesson – What’s in Your Compensation Package? Lesson – Income Tax Filing Tips & Tricks | |||||
| CREDIT & DEBT | Activity | Long-Term Game | Comprehensive Chapter | Short Lesson | Interactive Calculator | Graded Assessment |
| Compare a variety of credit sources from which consumers can choose to borrow. |
Lesson – A Beginner’s Guide to Borrowing Wisely Lesson – What to Do When You Need Money Fast Lesson – How to Use Debt to Your Advantage Lesson – Choosing the Best Banking Option for You | |||||
| Compare the costs and benefits of buying on credit that are key to making a good borrowing decision. |
Lesson – How Borrowers Manage Personal Debt Activity – Use the Credit Card Payments Calculator Activity – Rent or Buy: Which is Right for You? | |||||
| DECISION MAKING & MONEY MANAGEMENT | Activity | Long-Term Game | Comprehensive Chapter | Short Lesson | Interactive Calculator | Graded Assessment |
| Evaluate financial management resources and how they are needed to meet the goals of individuals and families by: a. prioritizing financial goals. b. creating a budget including income, expenses (fixed/flexible), and savings. c. developing and explaining a savings plan and budget based on specific short and long term financial goals |
Budget Game – Core Component Lesson – Pay Yourself First: A Simple Yet Powerful Way to Build Wealth Lesson – Break Free From Money Stress with a Budget Lesson – Spending and Saving Strategies Lesson – The Cost of Raising a Family Lesson – The Secret to a Comfortable Retirement | |||||
| Apply decision making strategies when buying products. |
Budget Game – Core Component Lesson – Evaluating Big-Ticket Purchases Lesson – How Do You Stop Impulse Purchases? | |||||
| Compare and evaluate products and services based on major factors (e.g., brand name, price, quality feature, availability) when making consumer decisions. | Lesson – How Do You Stop Impulse Purchases? | |||||
| Investigate how culture, media and technology impact the family and consumer decision making by: a. explaining ways consumer buying practices are influenced by social factors, economic principles, peer pressure, desire for status and advertising techniques. b. exploring the impact of positive and negative effects of advertising techniques (e.g., bandwagon, facts and figures, emotional appeal, endorsement/testimonials, free samples, coupons, use of gimmicks, misleading/false information, social media). |
Lesson – Break Free From Money Stress with a Budget Lesson – Analyzing Consumer Behavior Lesson – The Business Cycle Lesson – Protect Yourself as a Consumer Lesson – Ethics In Marketing | |||||
| SAVING & INVESTING | Activity | Long-Term Game | Comprehensive Chapter | Short Lesson | Interactive Calculator | Graded Assessment |
| List examples of investments for current income and investments for future growth. |
Investing101 Certification Lesson – Building a Divsersified Portfolio Lesson – How to Develop an Investing Strategy Lesson – The Secret to a Comfortable Retirement Lesson – Building Wealth | |||||
| MONEY & THE ECONOMY | Activity | Long-Term Game | Comprehensive Chapter | Short Lesson | Interactive Calculator | Graded Assessment |
| Compare the relationship between supply and demand and their role in meeting consumer needs. |
Lesson – Supply and Demand Examples in the Stock Market Lesson – The Benefits of Competition | |||||
| INSURANCE & RISK MANAGEMENT | Activity | Long-Term Game | Comprehensive Chapter | Short Lesson | Interactive Calculator | Graded Assessment |
| Research federal government depository insurance coverage and limits related to consumer bank and credit union accounts. |
Investing101 Certification Lesson – Choosing the Best Banking Option for You Lesson – The Secret to a Comfortable Retirement Lesson – Property Rights | |||||
| Investigate the use of insurance to cover risk of financial loss (e.g. liability, health, auto, renter, home). |
Lesson – Car insurance Lesson – Why Health Insurance is So Expensive Lesson – Rental Insurance Lesson – What Damage Does Home Insurance Cover? Lesson – Life Insurance: The Ultimate Safety Net |