Ages have been converted to grade levels to ensure that students have the cognitive abilities and skills necessary to successfully complete lessons at the respective levels. Lesson considerations are made for concepts of numbers, time, money and income, value, market and exchange, choice, and social values.
Framework and standards are separated based on students’ math abilities and understanding. In the 7th and 8th grades (ages 11 to 14) students are learning the skills essential to making fundamental personal finance calculations, including negative numbers, rates, decimals, and basic statistics needed to solve personal finance problems.
Starting in high school, most students possess the cognitive abilities and math skills needed for the majority of the financial literacy lessons.
The learning outcomes for high school students and adults of all ages are the same and the standards have been broken down into beginner, intermediate, and advanced lessons.
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