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Plan Your Financial Future

All Levels Entry Intermediate Advanced
Investing for the Long Term

Learn why investing over the long-term offers the best path toward success in the market and why day trading can be fraught with risk.

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15 mins
Intermediate Level Intermediate
Smart Investing

Learn the basics of stock market investing and explore three investing strategies.

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20 mins
Entry Level Entry
Create Wealth with Homeownership

You have decided to rent out your home to generate additional income and save for a comfortable retirement in the peaceful Sunset Springs Retirement Community. Experience the benefits and challenges of property management.

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10 mins
Intermediate Level Intermediate
The Animals of the Stock Market

Learn the peculiar, animal-centric language of the stock market and be able to use the terms commonly used by investors when talking about investing and the stock market.

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15 mins
Entry Level Entry
Investing for Retirement

Do you dream of some day retiring on a sunny beach? Learn how and why people fund their retirement.

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5 mins
Intermediate Level Intermediate
Factors That Influence Stock Prices

Learn the basics of supply and demand in the stock market and explore factors that impact stock price.

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15 mins
Intermediate Level Intermediate
Junior Achievement $ave, USA

You're about to enter the world of college decision-making at $ave University, where every decision you make affects your time and money. There are opportunity costs around every corner!

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30 mins
Entry Level Entry
Analyzing Initial Public Offerings (IPOs)

Focus on initial public offerings (IPOs), how the company’s initial stock price is determined and some of the factors that investors consider when selecting an IPO for investment.

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15 mins
Intermediate Level Intermediate
Private vs. Public Companies

Learn the basics of company ownership models through a pizza business scenario. Explore the advantages and disadvantages for a company of remaining private or becoming publicly owned.

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15 mins
Intermediate Level Intermediate
Data Gathering

Learn where investors can find detailed information about companies and how to evaluate each source of information.

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20 mins
Intermediate Level Intermediate
Diversification and Risk

Explore the role that risk plays in affecting investors’ decisions and how savvy investors seek to minimize risk.

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15 mins
Intermediate Level Intermediate
Comparing Investment Channels

Explore the several ways in which investors buy and sell stocks, uncovering the upsides and downsides of each method.

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15 mins
Intermediate Level Intermediate
Setting Stock Prices & Trading Stock

Learn why public companies sell stock, what happens during a company’s initial public offering, and how stocks are traded on a stock exchange.

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15 mins
Intermediate Level Intermediate
Financial Watchdogs

Learn about several groups who oversee the financial sector, set and enforce the policies and laws regulating it, and protect investors.

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20 mins
Intermediate Level Intermediate
Purchasing Stocks

Why do people invest in the stock market? Learn the basics of stock market investing, compare factors that impact the market, and explore some investing strategies.

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5 mins
Intermediate Level Intermediate
Evaluating Your Financial Plan

Review your financial plans and select investments that meet stated goals.

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15 mins
Intermediate Level Intermediate
Taxes and the Stock Market

Learn about short- and long-term capital gains and the ways in which they are taxed differently, depending upon income.

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15 mins
Intermediate Level Intermediate
My Work Values and Responsibilities

What do employers look for in employees? Learn why soft skills and work ethic are important to employers.

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5 mins
Intermediate Level Intermediate
To Rent or Buy?

Luciana is finally ready to purchase her first home, but she has to decide which home loan option best suits her needs. Help Luciana determine if she should choose a government-guaranteed or a conventional home loan.

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10 mins
Intermediate Level Intermediate
Home Loan Options

Luciana is finally ready to purchase her first home, but she has to decide which home loan option best suits her needs. Help Luciana determine if she should choose a government-guaranteed or a conventional home loan.

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10 mins
Intermediate Level Intermediate
Applying for Financial Aid with FAFSA

Do you need help paying for college? Learn how to complete the Free Application for Federal Student Aid (FAFSA) form to apply for financial aid for college.

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5 mins
Intermediate Level Intermediate
Career Decisions

Is it possible to love your job? Create a plan based on your interests and talents, and learn how to set goals to help achieve that plan. Play the interactive resource and keep track of your learning on the document.

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5 mins
Intermediate Level Intermediate
Paying for Post-Secondary Education

Are you worried about paying for college? Learn about some ways to pay for post-secondary education.

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5 mins
Intermediate Level Intermediate
The IRS W-4 Form

Why is the amount on your paycheck different from the amount you earned? Learn about the process of withholding money from your paychecks to pay taxes.

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5 mins
Intermediate Level Intermediate
Creating a Career Database

Analyze career options using and assessing a variety of sources.

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15 mins
Intermediate Level Intermediate
Assess Personal Skills

Explore how your own personal skills, abilities, aptitudes and strengths impact your employment options.

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15 mins
Intermediate Level Intermediate
Interpreting a Financial Aid Award Letter

Are you having trouble understanding a financial aid letter? Learn how to interpret a financial aid award letter and negotiate for more aid.

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5 mins
Intermediate Level Intermediate
Grades Count!

Do your grades really matter? Explore the consequence of grades and other factors that can affect college options and scholarships.

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5 mins
Intermediate Level Intermediate
Job Loss

What would you do if you lost your job? Explore some ways to prepare for and manage job loss.

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5 mins
Intermediate Level Intermediate
Entrepreneurial Strengths and Talents

Have you ever dreamed of starting your own business? Explore some of the traits of entrepreneurs and find ways to build your skills.

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5 mins
Intermediate Level Intermediate
Assessing Your Financial Health

Learn how to analyze financial health and learn to use information about financial health to make strategic financial decisions.

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15 mins
Intermediate Level Intermediate
Reliable Financial Planning

Identify and evaluate short-term and long-term financial goals and make a plan to reach those goals.

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15 mins
Intermediate Level Intermediate
Insurance and Risk

Explore different types of insurance and when to use them. Learn how risk can impact the cost of insurance.

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15 mins
Intermediate Level Intermediate
The Value of Investing

Evaluate risk tolerance and financial goals in order to recommend appropriate investment strategies.

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15 mins
Intermediate Level Intermediate
Identify a Process for Buying Investments

Compare and contrast the different methods, approaches, and steps for buying and selling investments and stocks directly.

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15 mins
Intermediate Level Intermediate
How Agencies Protect Investors

Identify the role that different government agencies play to protect investors and regulate financial markets.

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15 mins
Intermediate Level Intermediate
Recommend Appropriate Investment Opportunities

Compare and contrast the financial goals of three different investors and help identify different investment opportunities for each.

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15 mins
Intermediate Level Intermediate
Evaluate a Retirement Plan

Learn to create a savings plan that will sustain a desired lifestyle by adjusting how to save, how much to save, and how to make a plan to save to ensure there is enough money for retirement.

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15 mins
Intermediate Level Intermediate
A Beginner's Guide to Cryptocurrency

Learn the history of cryptocurrency and how it's used in today's economy.

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15 mins
Intermediate Level Intermediate
Looking Closer at Blockchain

Take a closer look at blockchain technology to understand how it's used to mine and validate cryptocurrency.

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10 mins
Intermediate Level Intermediate
Keeping Cryptocurrency Safe

Review different types of crypto wallets and their importance to maintaining data safety and security.

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10 mins
Intermediate Level Intermediate
The Economics of Cryptocurrency

Explore the relationship between cryptocurrency and the economy by comparing crypto to fiat currency and reviewing the impact of government and current events on currency.

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15 mins
Intermediate Level Intermediate
Why Banks Pay Interest

Learn why banks pay interest.

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2 mins
Entry Level Entry
Planning for Financial Success

Have you thought about your financial future? Learn more about the benefits of financial goal planning.

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5 mins
Intermediate Level Intermediate
Debt and Homeownership

Step into the role of a home loan coach and review the profiles of three potential homeowners. Determine who a mortgage lender would likely approve or likely deny for a home loan.

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10 mins
Intermediate Level Intermediate
The True Cost of Homeownership

You are gifted a home that needs major repairs. You have limited funds and many decisions to make. See first-hand what can happen when homeowners neglect the maintenance and upkeep of their homes.

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10 mins
Intermediate Level Intermediate
Auto Insurance

What do you do when you have a car accident? Learn about different types of auto insurance policies and the costs for insuring a car.

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5 mins
Intermediate Level Intermediate
Understanding Identity Theft

Learn about identity theft and how to avoid it happening to you.

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2 mins
Entry Level Entry
Types of Credit Over Time

Learn about different types of credit and understand how their use of credit affects their eligibility for long-term debt.

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15 mins
Intermediate Level Intermediate
The Consequences of Failing to Pay a Loan

Learn about the consequences of failing to pay a loan, including bankruptcy, and consider the various options for dept repayment.

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15 mins
Intermediate Level Intermediate
Differences Between Types of Loans

Compare and contrast different types of loans and reccomend the correct types of loans for different situations.

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15 mins
Intermediate Level Intermediate
Interest on Deposits

Learn about different types of bank accounts to understand why banks pay interest.

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15 mins
Intermediate Level Intermediate
Understanding Credit

Learn about the different information that impacts an individual's credit score, and analyze different credit types.

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15 mins
Intermediate Level Intermediate
Different Types of Loans

Learn how you can borrow money through banks.

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2 mins
Entry Level Entry
Buying Your First Car

Do you think that you will some day buy a car? Learn to be a smart consumer when purchasing a new or used car.

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5 mins
Intermediate Level Intermediate
Compare and Contrast Economic Systems

Learn about different economic systems, who makes decisions, and how societies make decisions about their economies.

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15 mins
Intermediate Level Intermediate
Business and the Economy

Consider the relationship between business and the economy and the role that both play in workers' and consumers' daily lives.

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15 mins
Intermediate Level Intermediate
You Can Be A Philanthropist

Learn how you can apply your time, talent or money to worthy causes to become a philanthropist.

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2 mins
Entry Level Entry
Unexpected Expenses

Accidents happen. Have you ever had an unexpected expense? Learn how unexpected expenses can impact your budget and how an emergency fund can help.

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5 mins
Intermediate Level Intermediate
Extracurricular Expenses

Explore how to budget for extracurricular activities that are part of many students' high school experiences. Play the interactive resource and keep track of your learning on the document.

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5 mins
Intermediate Level Intermediate
Cost of Insurance

Learn about what influences the cost of insurance.

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2 mins
Entry Level Entry
Determine Income and Earning Potential

Understand the education requirements and income potential for career options.

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15 mins
Intermediate Level Intermediate
Making Career Goals

Evaluate data from a Career Interest Inventory and set achieveable goals.

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15 mins
Intermediate Level Intermediate
Evaluating Career Pathways

Explore employment trends and incorporate societal needs and economic conditions into your decision making process.

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15 mins
Intermediate Level Intermediate
Income vs. Income Potential

Consider the different types of compensation associated with a career, including earnings and benefits, and explore how taxes impact earning potential.

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15 mins
Intermediate Level Intermediate
Philanthropy

Learn how philanthropy can improve the lives of others.

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3 mins
Entry Level Entry
A World Without Cash

Do you still carry cash? There are many options for cashless spending today. Explore the pros and cons of cashless spending and the impact that apps and credit/debit cards can have on spending and security.

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5 mins
Intermediate Level Intermediate
Sales and Property Taxes

Taxes are unavoidable, and they can affect your financial decision making. Learn more about the impact taxes have on your decisions. Play the interactive resource and keep track of your learning on the document.

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5 mins
Intermediate Level Intermediate
Different Types of Insurance

Learn how insurance can be a safety net when unfortunate life events occur.

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2 mins
Entry Level Entry
Philanthropy and Your Budget Needs

It feels good to help others. Have you considered how to make charitable giving part of your financial plan? Explore the emotional, social, and financial benefits of charitable giving and how you can plan for it.

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5 mins
Intermediate Level Intermediate
Four Ways to Mitigate Risk

Learn how you can mitigate every day risk.

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2 mins
Entry Level Entry
How to Handle Identity Theft

Learn the steps to take if you are a victim of identity theft.

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3 mins
Entry Level Entry
Mortgages

Is owning a home in your future? Learn the basics about mortgages, including what a mortgage payment consists of and the initial expenses for obtaining a mortgage.

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5 mins
Intermediate Level Intermediate
Why We Have Banks

Learn why we have banks and how they help people reach their goals.

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2 mins
Entry Level Entry
Methods of Reporting Identity Fraud

Compare identity theft and identity fraud. Learn what steps to take when identity fraud has occured.

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15 mins
Intermediate Level Intermediate
Identity Fraud and Theft

Identify examples of identity fraud and theft and the behaviors that put an individual at risk.

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15 mins
Intermediate Level Intermediate
Consider Philanthropy in Your Financial Plan

Compare and contrast philanthropy and charity and evaluate how philanthropy fits into a personal financial plan.

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15 mins
Intermediate Level Intermediate
Supply and Demand

Explore how the supply and cost of goods are driven by demand and how this affects consumers and businesses through price changes.

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15 mins
Intermediate Level Intermediate
Impacts of Globalization on Business

Understand how the world economy creates access to more markets, increases shared knowledge, requires global cooperation, and spurs economic growth.

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15 mins
Intermediate Level Intermediate
Financial Accounts and Services

Explore different account types and money-related services offered by banks and financial institutions.

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15 mins
Intermediate Level Intermediate
The Functions of Money

Identify the purposes of money and compare and contrast different payment methods.

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15 mins
Intermediate Level Intermediate
Budgeting Tools and Strategies

Explore different systems for organizing and tracking financial records and learn how to create a realistic and achieveable budget.

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15 mins
Intermediate Level Intermediate
Apply Consumer Skills to Spending Decisions

Identify different consumer skills that will enable wise spending decisions when making purchases.

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15 mins
Intermediate Level Intermediate