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The COMPLETE Grades 6-12 Personal Finance program. Two grade-band curricula. 18 units. 180 lessons. The entire personal finance learning arc from age 11 through high school graduation — built by a working classroom teacher. This mega bundle combines the Middle School Personal Finance Complete Curriculum (Grades 6-8) and the High School Personal Finance Mega Bundle (Grades 9-12). One purchase covers a full personal finance program for an entire middle + high school. Save 37.5% vs buying units ind

The COMPLETE Middle School Personal Finance curriculum. 9 units. 90 lessons. Every concept a middle schooler needs to leave 8th grade with real financial literacy — built by a working classroom teacher, pace-tested with real students. This bundle is the entire MS Personal Finance program in one purchase. Save 31% vs buying units individually. Designed so a teacher new to personal finance can deliver the whole curriculum with confidence, and so an experienced teacher has everything ready-to-use w

The complete 9-unit High School Personal Finance curriculum, bundled at 25% off. Built by a working classroom teacher. American English throughout. Ready to teach Monday morning. The full course your students need to leave high school financially literate — earning, budgeting, saving, credit, investing, taxes, insurance, consumer skills, and career/college planning, all in one bundle with no gaps. THE COMPLETE 9-UNIT CURRICULUM Unit 1 — Earning Income — Career paths, education ROI, paychecks, li

All four Math Report Card Comment Generator grade bands in one bundle — every criterion, every grade level, covered. 1,440 ready-to-use, IB-aligned math comments. Type a name, click ✓, copy, paste. A complete personalised math report card paragraph for any student, in any grade, in under a minute. Works for every IB programme — PYP, MYP, and DP — and for any school that reports on mathematical learning. Built by a real IB teacher at a tier 1 international school in Bangkok. One of the most c

A complete 14-day Grade 4 unit covering all of CCSS 4.G — points, lines, segments, and rays; parallel and perpendicular relationships; triangle classification by sides and angles; the quadrilateral family tree; and lines of symmetry. Built by a classroom teacher who knows geometry is where math gets visual. From spotting parallel lines in everyday objects, to classifying triangles two ways, to understanding why every square is a rectangle but not every rectangle is a square — every concept is bu

A complete 14-day Grade 3 multiplication and division unit covering all of CCSS 3.OA. Built by a classroom teacher who knows that this is the biggest math unit of the year — and the foundation for every operation a student will see for the rest of elementary school. This is THE introduction-to-multiplication unit. No prior knowledge required. Every concept is built from scratch with equal groups, arrays, number lines, and clear language third-graders can actually follow. Twelve fully-scripted le

The ninth and FINAL unit of the Middle School Personal Finance curriculum — the curriculum capstone. Built by a working classroom teacher. American English throughout. Age-appropriate for 11-13 year olds. Building on Units 1-8, this unit synthesizes everything students have learned into a complete, forward-looking personal financial blueprint. Students learn where they are now financially (curriculum synthesis); the lifetime income arc and career/education ROI (US Census data on lifetime earning

The eighth unit of the Middle School Personal Finance curriculum, building on Units 1-7. Built by a working classroom teacher. American English throughout. Age-appropriate for 11-13 year olds — teaching investing literacy at the age when starting young creates the biggest possible advantage. Students learn the fundamental distinction between investing and saving; compound growth math (Rule of 72, time > amount, $100/month from age 13 = $500K by 65 at 7%); inflation and real returns (why cash

The seventh unit of the Middle School Personal Finance curriculum, building on Units 1-6 (Earning, Spending, Saving, Banking, Smart Consumer Skills, Money Decisions). Built by a working classroom teacher. American English throughout. Age-appropriate for 11-13 year olds — teaching credit literacy BEFORE they ever have a credit card, so they can make informed decisions at 18+. Students learn the credit vs debit distinction (most adults can't articulate this clearly); productive vs unproductive use

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

The fifth unit of the Middle School Personal Finance curriculum, building on Earning (Unit 1), Spending Smart (Unit 2), Saving Goals (Unit 3), and Banking Basics (Unit 4). Built by a working classroom teacher. American English throughout. Age-appropriate for 11-13 year olds — real consumer skills they'll use every grocery trip, every online order, every subscription signup. Students learn why most adults pay a $300-1,500/year hidden 'skill tax' (and how to escape it), how to read food labels and

The fourth unit of the Middle School Personal Finance curriculum, building on Earning (Unit 1), Spending Smart (Unit 2), and Saving Goals (Unit 3). Built by a working classroom teacher. American English throughout. Age-appropriate for 11-13 year olds — no abstract concepts, just real banking tasks teens will do this year and for the next 60. Students learn why banks exist and what FDIC insurance covers ($250K per depositor per bank), the difference between checking and savings accounts (and the

The third unit of the Middle School Personal Finance curriculum, building on Earning (Unit 1) and Spending Smart (Unit 2). Built by a working classroom teacher. American English throughout. Age-appropriate content for 11-13 year olds — no retirement portfolios, no abstract market math, just real conversations about how saving actually works in a kid's life. Students learn why saving matters using compound math at kid scale ($10/wk saved from 12 to 17 at 4% HY savings = $2,873), how to build SMAR

The second unit of the Middle School Personal Finance curriculum. Built by a working classroom teacher. American English throughout. Age-appropriate content for 11-13 year olds — no patronizing, no retirement math, just real conversations about real money in a kid's actual life. Students learn the difference between needs, wants, and whims (and why most spending leaks are whims they didn't even want an hour earlier), how to calculate the true cost of purchases (a $20 phone case is actually $26.6

The opening unit of the Middle School Personal Finance curriculum. Built by a working classroom teacher. American English throughout. Ready to teach Monday morning. Age-appropriate content for 11-13 year olds — no dumbed-down material, no retirement portfolios, just real conversations about real money in a kid's actual life. Students learn where money actually comes from in their world (earned, allowance, gifts), why some work pays more than other work (skill scarcity, not importance), how to ha

A complete 10-lesson Taxes unit for high school personal finance, ready to teach Monday morning. Built by a working classroom teacher. American English throughout. Students learn how taxes actually work and what each tax type funds, read every line of a pay stub and choose appropriate W-4 settings, identify every major tax form (W-2, 1099, 1098) and what each reports, calculate federal tax bracket by bracket and distinguish marginal from effective rates, decide between standard deduction and ite

A complete 10-lesson Consumer Skills unit for high school personal finance, ready to teach Monday morning. Built by a working classroom teacher. American English throughout. Students learn the consumer skills most adults pick up the hard way: smart spending principles with the 3-question filter, total cost of ownership for big purchases, navigating car buying with the 20/4/10 rule and pre-approval, reading apartment leases and conducting move-in walk-throughs, recognizing the 4 universal scam pa

A complete 10-lesson Insurance unit for high school personal finance, ready to teach Monday morning. Built by a working classroom teacher. American English throughout. Students learn how insurance fundamentally works through risk pooling, navigate health insurance options including the Age 26 rule and HSA triple tax advantage, compare HMO, PPO, and HDHP plans by usage scenario, build smart auto coverage above state minimums, recognize renters insurance as the easy high-ROI win that 40% of renter

A complete 10-lesson Investing unit for high school personal finance, ready to teach Monday morning. Built by a working classroom teacher. American English throughout. Students learn the difference between saving and investing matched to time horizons, why index funds outperform 88% of professional stock pickers, the long-term cost of high fund fees, the priority order for retirement accounts (401(k) match → Roth IRA → 401(k) rest), the Roth vs Traditional decision based on tax bracket, the life

A complete 10-lesson Credit and Debt unit for high school personal finance, ready to teach Monday morning. Built by a working classroom teacher. American English throughout. Students learn the mechanics of credit and the asset-vs-consumption test, the 5 factors of FICO scores, how to read a credit report and dispute errors, the 3 rules of responsible credit card use, the brutal math of carrying balances, federal vs private student loans with the first-year salary rule, the 20/4/10 rule for auto