The sixth unit of the Middle School Personal Finance curriculum, building on Units 1-5 (Earning, Spending, Saving, Banking, Smart Consumer Skills). Built by a working classroom teacher. American English throughout. Age-appropriate for 11-13 year olds — teaching the meta-skill that underlies every money choice they'll make for the next 60 years. Students learn HOW to decide. Topics include the autopilot vs deliberate mindset (35,000 decisions/day, 50-200 about money); opportunity cost (every yes