Maryland State Curriculum for Personal Financial Literacy Education Grades 9-12

Maryland
Personal Financial Literacy Education

We compared our learning materials and the core financial literacy concepts that are covered in our Budget and Stock Games to the personal finance standards for the state of Maryland.

A list of the Maryland State Curriculum for Personal Financial Literacy Education Grades 9-12 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.

Course Outlines, Lesson Plans & Student Activities

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!

3-Week Enrichment Program

3-Week Enrichment Program
18-Week Course Outline

18-Week Course Outline
9-Week Course Outline

9-Week Course Outline

Get to Know PersonalFinanceLab®

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.

Personal Budgeting Game

A monthly budget game with real-life scenarios and consequences.

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Stock Market Game

Build your students confidence in the financial markets as they learn how to invest their money wisely.

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Embedded Lessons

Self-graded lessons aligned to National and Jump$tart Standards.

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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.

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Maryland Personal Financial Literacy Education

Find out which of our lessons or games reinforce the individual
knowledge statements from the Maryland State Curriculum for Personal Financial Literacy Education Grades 9-12.

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
Make Informed, Financially Responsible Decisions
Evaluate the financial choices that are made based on available resources, needs, and wants for goods and services. Budget Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – Researching Spending
Evaluate attitudes, assumptions, and patterns of behavior regarding financial decisions and predict how they impact the achievement of financial goals. Lesson – Pay Yourself First
Lesson – Analyzing Consumer Behavior
Lesson – Stock Market Crash of 1929
Lesson – Supply and Demand Examples in the Stock Market
Evaluate and apply financial knowledge, attitudes and skills. Budget Game – Core Component
Stock Game – Core Component
Compare different types of markets. Investing101 Certification
Lesson – Comparative Economic Systems – Capitalism, Socialism, and Communism
Lesson – International trade
Evaluate the economic impacts of government, business, and consumer financial decisions. Lesson – Benefits of Competition
Lesson – Government impact on the economy
Lesson – Monetary Policy
Lesson – Fiscal Policy Explained
Lesson – What is Economics?
Lesson – Understanding Price Movements
Lesson – How to Choose and Compare Stocks
Relate Careers, Education and Income Activity Long-Term Game Comprehensive Chapter Short Lesson Interactive Calculator Graded Assessment
Evaluate the relationship among education, skills, career choices, economic conditions, and entrepreneurship affect income. Lesson – Career Development
Lesson – Income and Compensation
Lesson – Work or Study
Lesson – Starting a Business
Lesson – What is Entrepreneurship?
Lesson – The Business Cycle
Lesson – The Importance of Interest Rates
Evaluate sources of income. Lesson – Income and Compensation
Lesson – What is Money?
Evaluate the relationship among income, spending decisions, and lifestyle. Budget Game – Core Component
Lesson – Career Development
Lesson – Income and Compensation
Lesson – Pay Yourself First
Determine how taxes, employee benefits, and public programs relate to income. Lesson – Taxation Overview
Lesson – Income and Compensation
Lesson – Unemployment and other programs
Lesson – Employer and Employee Rights and Responsibilities
Plan and Manage Money Activity Long-Term Game Comprehensive Chapter Short Lesson Interactive Calculator Graded Assessment
Demonstrate the ability to use money management skills and strategies. Budget Game – Core Component
Stock Game – Core Component
Analyze the services of financial instutions. Lesson – Banks, Credit Unions, and Savings and Loans
Lesson – What is a Brokerage?
Lesson – When to hire a tax professional
Lesson – Life Insurance
Lesson – Health Insurance
Develop and evaluate financial goals based on personal values. Budget Game – Core Component
Stock Game – Core Component
Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – Building Wealth
Lesson – Family Planning
Lesson – Preparing for Retirement
Evaluate the purposes and responsibilitites related to taxation. Lesson – Taxation Overview
Lesson – Common Tax Deductions
Lesson – Common Tax Additions
Explain that contracts are binding agreements. Lesson – What makes a contract valid?
Manage Credit and Debt Activity Long-Term Game Comprehensive Chapter Short Lesson Interactive Calculator Graded Assessment
Evaluate how to use debt beneficially. Budget Game – Core Component
Lesson – Short-Term Financing
Lesson – Good Debt, Bad Debt
Lesson – Using Credit
Lesson – Credit Cards
Lesson – Managing Debt
Lesson – Mortgages
Lesson – Buying a Car
Evaluate the advantages and disadvantages of credit products and services. Lesson – Short-Term Financing
Lesson – Good Debt, Bad Debt
Analyze sources of credit. Lesson – Short-Term Financing
Lesson – Good Debt, Bad Debt
Calculate the cost of borrowing. Activity – Use the Buy vs Lease Calculator
Activity – Use the Home Budgeting Calculator
Activity – Use the Car Loans Calculator
Activity – Use the Credit Card Payments Calculator
Lesson – Short-Term Financing
Identify and evaluate interest rates, fees, and other credit charges. Lesson – Using Credit
Lesson – Credit Cards
Lesson – Mortgages
Activity – Use the Car Loans Calculator
Activity – Use the Home Budgeting Calculator
Analyze credit scores and reports. Lesson – Credit Reports
Evaluate the consequences of not meeting credit obligations. Lesson – Good Debt, Bad Debt
Lesson – Managing Debt
Lesson – Debt Management Services
Lesson – Consolidating Debt
Lesson – Debt Negotiation
Lesson – Bankruptcy
Create and Build Wealth Activity Long-Term Game Comprehensive Chapter Short Lesson Interactive Calculator Graded Assessment
Critique appropriate financial services and products to specified goals. Lesson – Banks, Credit Unions, and Savings and Loans
Lesson – Short-Term Financing
Lesson – Building Wealth
Lesson – Preparing for Retirement
Evaluate strategies for creating wealth and building assets. Lesson – Building Wealth
Lesson – What is Wealth?
Lesson – Building a Diversified Portfolio
Activity – Use the Net Worth Calculator
Explain the relationship between saving and investing. Lesson – Budgeting
Lesson – Pay Yourself First
Lesson – What is Wealth?
Lesson – Building Wealth
Lesson – Building a Diversified Portfolio
Analyze the concepts of supply and demand to stock market price changes. Lesson – Supply and Demand Examples in the Stock Market
Apply the decision making processes to financial decisions related to planning, saving, and investing. Stock Game – Core Component
Budget Game – Core Component
Lesson – Pay Yourself First
Lesson – Building Wealth
Lesson – Preparing for Retirement
Lesson – Life Insurance
Activity – Use the Investment Return Calculator
Manage Risks and Preserve Wealth Activity Long-Term Game Comprehensive Chapter Short Lesson Interactive Calculator Graded Assessment
Evaluate the strategies that protect income and wealth. Investing101 Certification
Lesson – What is Wealth?
Lesson – Building Wealth
Lesson – Preparing for Spending Shocks
Lesson – Preparing for Retirement
Justify the need for and value of various types of insurance (such as health, property, life, disability, and liability) within the life cycle. Lesson – Life Insurance
Lesson – Health Insurance
Lesson – Car Insurance
Lesson – Renter’s Insurance
Lesson – Home Owner’s Insurance
Evaluate the purposes, strategies, and effects of various business practices, including sales techniques. Lesson – Importance of Planning and Vision
Lesson – Competitive Advantage
Lesson – Social Responsibility In Management
Lesson – Segmentation and Target Markets
Lesson – Classifying Products and Services
Lesson – The Product Lifecycle
Lesson – Personal Selling
Critique sources of consumer protection and assistance including public institutions and private organizations (professionals, publications, and internet). Lesson – Consumer rights and responsibilities

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