Ohio State

State Standards

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

A list of the Ohio Financial Literacy Standards are below, along with a selection of activities from our games and library that align with each standard. Our curriculum 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!

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 Curriculum

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

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We’re Here to Help!

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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Ohio Financial Literacy Standards Alignment

Find out which of our lessons or games reinforce the individual
knowledge statements from the Ohio Financial Literacy Standards.


Long-Term Game
Comprehensive Chapter
Short Lesson
Interactive Calculator
Includes Automatically-Graded Assessment

Standard Activity
Financial Responsibility and Decision-Making
Financial responsibility entails being accountable for managing money to satisfy one’s current and future economic choices. Budget Game – Core Component
Lesson – Pay Yourself First
Lesson – Building Wealth
Lesson – Preparing for Retirement
Financial responsibility involves life-long decision-making strategies which include consideration of alternatives and consequences. Budget Game – Core Component
Lesson – Pay Yourself First
Lesson – Building Wealth
Lesson – Preparing for Retirement
Competencies (knowledge and skills), commitment (motivation and enthusiasm), competition (globalization and automation), training, work ethic, abilities and attitude are all factors impacting one’s earning potential and employability.Lesson – Career Development
Lesson – Benefits of Competition
Income sources include job earnings and benefits, entrepreneurship, saving and investment earnings, government payments, grants, inheritances, etc. Workers can experience dramatic income dips and spikes from month to month. Budget Game – Core Component
Lesson – Income and Compensation
Lesson – What is Money?
Lesson – What is Wealth?
Lesson – Starting a Business
Taxes, retirement, insurance, employment benefits, and both voluntary and involuntary deductions impact takehome pay. Lesson – Income and Compensation
Lesson – Payroll Best Practices
Planning and Money Management
Financial responsibility includes the development of a spending and savings plan (personal budget). Budget Game – Core Component
Lesson – Spending and Savings Plans
Financial institutions offer a variety of products and services to address financial responsibility. Lesson – Banks, Credit Unions, and Savings and Loans
Lesson – Good Debt, Bad Debt
Lesson – Short-Term Financing
Financial experts provide guidance and advice on a wide variety of financial issues. Lesson – When to hire a tax professional
Lesson – Debt Management Services
Planning for and paying local, state and federal taxes is a financial responsibility. Lesson – Taxation Overview
Tax payers may save money by understanding and using tax credits and deductions. Lesson – Common Tax Deductions
Lesson – Common Tax Additions
Informed Consumer
An informed consumer makes decisions on purchases that may include a decision-making strategy to determine if purchases are within their budget. Budget Game – Core Component
Lesson – Pay Yourself First
Lesson – Budgeting
Lesson – Spending and Savings Plans
Consumer advocates, organizations and regulations provide important information and help protect against potential consumer fraud. Lesson – Protecting Against Fraud
Lesson – Consumer rights and responsibilities
Part of being an informed consumer is knowing how to utilize financial services and risk management tools, as well as comparing consumer lending terms and conditions and reading financial statements. Lesson – Researching Spending
Lesson – What are financial records?
Lesson – Using Credit
Lesson – Consumer rights and responsibilities
Planned purchasing decisions factor in direct (price) and indirect costs (e.g. sales/use tax, excise tax, shipping, handling, and delivery charges, etc.).Lesson – Budgeting
Lesson – Sales Tax
Using key investing principles one can achieve the goal of increasing net worth. Stock Game – Core Component
Investing101 Certification
Lesson – Building Wealth
Investment strategies must take several factors into consideration including the time horizon of the investment, the degree of diversification, the investor’s risk tolerance, how the assets are selected and allocated, product costs, fees, tax implications and the time value of money. Stock Game – Core Component
Lesson – Time Value of Money
Lesson – Building a Diversified Portfolio
Lesson – Investing Strategies
Activity – Use the Investment Return Calculator
Government agencies are charged with regulating providers of financial services to help protect investors. Investing101 Certification
Lesson – What is the Federal Reserve?
Lesson – Government impact on the economy
Credit and Debt
Credit is a contractual agreement in which a borrower receives something of value now and agrees to repay to lender at some later date. Lesson – Using Credit
Lesson – Short-Term Financing
Lesson – Short Term and Long Term Financing
Debt is an obligation owed by one party to a second party. Lesson – Using Credit
Lesson – Managing Debt
Effectively balancing credit and debt helps one achieve some short and long-term goals. Budget Game – Core Component
Lesson – Planning for Long-Term Purchases
Activity – Use the Buy vs Lease Calculator
Financial documents and contractual obligations inform the consumer and define the terms and conditions of establishing credit and incurring debt. Lesson – What makes a contract valid?
Lesson – What are Financial Records?
Lesson – Using Credit
Lesson – Credit Cards Lesson – Managing Credit
Many options exist for paying for post-secondary education opportunities. Lesson – Student Loans
Lesson – Work or Study
Risk Management and Insurance
A risk management plan can protect consumers from the potential loss of personal and/or business assets or income. Lesson – Risk
Lesson – Protecting Against Fraud
Safeguards exist that help protect one’s identity. Lesson – Protecting Against Fraud
Diversification of assets is one way to manage risk. Lesson – Building a Diversified Portfolio
A comprehensive insurance plan (health, life, disability, auto, homeowners, renters, liability, etc.) serves as a safeguard against potential loss. Lesson – Health Insurance
Lesson – Life Insurance
Lesson – Car Insurance
Lesson – Renter’s Insurance
Lesson – Home Owner’s Insurance

Information Request

If you would like to learn more about PersonalFinanceLab, schedule a personalized demo, or get a Test Drive account to preview our games and lessons for yourself, please fill out the form below.