K12 Financial Literacy Guide

K-12 Financial Literacy Guide
CITY OF CHICAGO
Rahm Emanuel
Mayor
CITY BOARD OF EDUCATION

David J. Vitale
President
Jesse H. Ruiz
Vice President
Members:
Carlos M. Azcoitia
Dr. Henry S. Bienen
Dr. Mahalia A. Hines
Deborah H. Quazzo
Andrea L. Zopp
CHICAGO PUBLIC SCHOOLS

Barbara Byrd-Bennett
Chief Executive Officer
Annette Gurley
Chief of Teaching and Learning
Financial Literacy Guide
Table of Contents
Overview……………………………………………………………………………………………………………………………………………………………1
Layout and Design………………………………………………………………………………………………………………………………………………2
Key Financial Knowledge by Grade Band…………………………………………………………………………………………………………….3
Awknowledgements…………………………………………………………………………………………………………………………………………..4
Supporting Partner Organizations and Resources………………………………………………………………………………………………5
Works Consulted………………………………………………………………………………………………………………………………………………..7
Kindergarten………………………………………………………………………………………………………………………………………………………8
First Grade………………………………………………………………………………………………………………………………………………………..11
Second Grade……………………………………………………………………………………………………………………………………………………13
Third Grade……………………………………………………………………………………………………………………………………………………….15
Fourth Grade…………………………………………………………………………………………………………………………………………………….18
Fifth Grade………………………………………………………………………………………………………………………………………………………..21
Sixth Grade……………………………………………………………………………………………………………………………………………………….24
Seventh Grade………………………………………………………………………………………………………………………………………………….27
Eight Grade………………………………………………………………………………………………………………………………………………………30
Ninth Grade……………………………………………………………………………………………………………………………………………………..34
Tenth Grade……………………………………………………………………………………………………………………………………………………..38
Eleventh Grade…………………………………………………………………………………………………………………………………………………42
Twelfth Grade…………………………………………………………………………………………………………………………………………………..47
Department of Literacy
1 | Kindergarten – Financial Literacy Guide
Overview
The mission of the Chicago Public Schools’ K-12 Financial Literacy Guide is to provide students with the critical content knowledge
and relevant skills that will financially empower them and increase their opportunities to make informed decisions as they
navigate through the economic world. As such, the collaboration among the CPS Literacy and Mathematics Departments, the
Office of School Counseling and Postsecondary Advising, as well as administrators, teachers and partner organizations, has
resulted in the development of a K-12 Financial Literacy Guide designed to support the teaching and learning of financial literacy.
Aligned to the Common Core State Standards and Social Science 3.0 Framework, this guide identifies key financial knowledge,
skills, concepts and supporting partner organizations and resources at each grade level coalescing with a 12th grade personal
finance course. The financial literacy learner outcomes provide a structure for the exploration of the economic and personal
finance concepts. While each learner outcome is important in its own right, the benefit of understanding the individual and
collective context of each will allow students to better comprehend the impact they have upon their own financial successes or
difficulties. Supporting the learner outcomes are aligned sample lessons, projects and activities, and suggested fiction and
nonfiction texts that have been developed by external financial education partners for each grade level. For additional resources
and support, please visit the websites of partner organizations identified within this guide.
Why financial literacy? According to the 2012 National Financial Capability Survey of over 25,000 respondents across the country:
 Americans under the age of 34 are more likely to experience financial stress and hardship;
 Over 50% of Americans do not have a budget;
 Almost 60% of Americans do not have an emergency fund for unexpected expenses or loss of income;
 Nearly 40% of Americans are not able to come up with $2,000 if needed.
As for high school students, a 2013 survey published by Discover Pathway to Financial Success concluded that:
 High school seniors rank personal finance and money management as the most critical skills for personal future success –
tied with math, ahead of science and technology;
 Almost 50% wished they learned personal finance in school to prepare them for life after college;
 83% say they would be very interested in learning more about how to manage their personal finances.
In conclusion, the study found that students with financial knowledge and skills are more likely to engage in financially responsible
behaviors such as saving, budgeting and investing.
The K-12 Financial Literacy Guide was developed to provide support and resources for teachers and counselors to better
incorporate financial content knowledge and skills into existing curricula across various disciplines (i.e., Social Science, Language
Arts, and Mathematics). The concepts and skills introduced in kindergarten will build at each grade level preparing students for a
semester-long 12th grade capstone Personal Finance course that will engage students in the fundamentals of economic principles
and decision-making and prepare them to evaluate the costs and benefits of college and career choices, savings and investment
strategies, credit and debt management alternatives, and risk management strategies. Finally, the K-12 Financial Literacy
Guide, designed to prepare global citizens, aligns to the CPS Five Pillars and fulfills the overall vision that, “Every student in every
neighborhood will be engaged in a rigorous, well-rounded instructional program and will graduate prepared for success in college,
career and life.”
For questions about the K-12 Financial Literacy Guide, please contact Martin Moe, Social Science Manager, at msmoe@cps.edu or
(773) 553-1932.
Department of Literacy Page 1

Layout and Design
Grade Level and Yearly Theme
National
Enduring Guiding Common Core Content Area
Counseling
Understandings Questions State Standards Key
Standards
Learner Outcomes by Categories Sample Resources
 Economic Citizenship  Lesson Plans

 Earning Income  Student Handouts
 Financial Planning and Decision Making  Projects/Activities
 Saving and Investing  Fiction and Nonfiction Texts
 Buying Goods and Services  Online Tools and Activities
 Using Credit  Videos
 Managing Risk  Teacher Links to Other Resources
Supporting Partner Organizations and Resources

 Bank On Chicago
 Chicago Mercantile Exchange Group
 Chicago Public Libraries
 Chicago Public Schools Integrated Library System, SOAR – Registration Required
 City of Chicago Treasurer’s Office, Illinois State Treasurer’s Office
 Council for Economic Education, EconEdLink Resources, Econ Illinois, UIC Center for Economic
Education
 Credit Abuse Resistance Education
 Economic Awareness Council
 EverFi: Financial Literacy – Registration Required
 Federal Reserve Bank of Chicago, Federal Reserve Education Teacher Resources
 Illinois Credit Union League
 Illinois Student Assistance Commission
 Journey World
 Jump$tart Coalition Clearinghouse
 Junior Achievement
 Lemonade Day Chicago
 Money As Your Grow
 Money Savvy Generation, Recommended Reading List
 Moneythink
 Money Smart Week
 National Endowment for Financial Education, High School Financial Planning Program
 Network for Teaching Entrepreneurship
 PricewaterhouseCoopers Financial Literacy Curriculum – Registration Required
 Talk With Our Kids About Money – Registration Required

Key Financial Knowledge and Behaviors by Grade Bands
 Analyze competing
viewpoints on the impact of
government economic and
monetary policies.
 Research job growth and
decline over time.
 Investigate the types of post-
secondary programs
available to prepare one for
a career or a path to
entrepreneurship.
 Develop a career plan of
action, including a timetable,
 Understand that economic educational and training
systems differ with respect requirements, costs and
to level of stability, possible debt.
efficiency, freedom,  Develop a resume, cover
security and equality. letter, and practice job
 Analyze how economic interviewing skills.
factors affect social and  Understand how to read and
political aspects of society analyze financial documents
and vice versa. including payroll statements,
 Understand how  Understand that banking and investment
consumer and producer financially responsible statements, insurance
choices affect the goods individuals weigh costs policies, and credit card and
and services produced. and benefits, short-term loan applications.
 Understand that gaining and long-term, before  Understand the costs and
new knowledge, skills and making economic benefits of various forms of
experiences allows one to decisions. credit, including student
improve their ability to  Understand variable and loans, and how to protect
earn income. fixed expenses and how to your creditworthiness.
 Understand the banking design a budget based  Understand that
basics and procedures, upon needs and financial diversification reduces risk
including the features, goals. by spreading assets among
costs and benefits of a  Identify various forms of several types of investments
checking and savings investing, as well as costs and industry sectors.
 Understand the respective account at various and benefits, including the  Compare different
values of money and how financial institutions. rate of growth over time. categories and levels of
it is used.  Understand that  Understand laws and insurance coverage and
 Identify ways in which organizing and planning regulations put in place to costs.
money is earned. personal finances and protect consumers.  Identify the appropriate
 Identify reasons and ways spending helps people live  Identify actions one should types of investments to
in which to save money. within their means. take to protect personal achieve the objectives of
 Distinguish between needs  Understand the basics of identity and problems that liquidity, income, and
and wants. credit and how it is used. occur with identify theft. growth.
Grades K-2 Grades 3-5 Grades 6-8 Grades 9-12

Acknowledgements
The Chicago Public Schools’ K-12 Financial Literacy Guide was made possible through the support and collaboration of the
Departments of Literacy and Mathematics, the Office of Counseling and Postsecondary Advising, as well as administrators,
teachers and partners. The Department of Literacy would like to extend their thanks to the following individuals and
organizations.
CONTRIBUTORS
Department of Literacy Office of School Counseling and Postsecondary Advising
Cynthia Green, Director Barbara Karpouzian, Director
Martin Moe, Ph.D., Social Science Manager Marcia Boyd, Project Manager for Scholarships
Diana Camilo, Elementary Counseling Specialist
Sana Ansari, Literacy Specialist
Lisa De Gregorio, Lead Elementary Counseling Specialist
Shayna Boyd, Literacy Support
Brad Novak, Lead High School Counseling Specialist
Michelle Breland, Literacy Specialist
Angell Campbell, Social Science Specialist/Consultant Chicago Public School Administrators and Teachers
Jessica Hiner, Social Science Support Dr. Lennette Coleman, Principal, Ariel Academy
Erin Koning, Literacy Specialist Monica Delgado-Saldana, Ariel Academy
Kylia Kummer, Social Science Specialist Laura Fernbach, Everett Elementary
Gary McNaney, Social Science Specialist Christopher Henle, Harlan High School
Rory O’Toole, Social Science Support Amy Hiller, Ariel Academy
Lisa Perez, Manager of Library Services Amy Lewensky, Ariel Academy
Christie Thomas, Library Specialist/Consultant Connie Moran, Ariel Academy
Michael Yang, Social Science Support Darien Parker, Norwood Park Elementary
Jeremy Reed, Ariel Academy
Department of Mathematics
Eileen Richmond, Stowe Elementary
Jessica Fulton, Director
James Rooks, Ariel Academy
Linda Lichter, Mathematics Specialist Elizabeth Schar, Everett Elementary
Faylesha Porter, Mathematics Specialist Gregory Simmons, Harlan High School
Jerry Weissbuch, Pritzker Elementary
Supporting Partner Organizations

Bank On Chicago Illinois Student Assistance Commission
Canadian Foundation for Economic Education Journey World
Chicago Mercantile Exchange Group Jump$tart
Chicago Public Libraries Junior Achievement
City of Chicago Treasurer’s Office Lemonade Day Chicago
Credit Abuse Resistance Education Money Savvy Generation
Council for Economic Education Money Smart Week
Econ Illinois Moneythink
Economic Awareness Council National Endowment for Financial Education
EverFi Network for Teaching Entrepreneurship
Federal Reserve Bank of Chicago President’s Advisory Council on Financial Capability
Illinois Credit Union League PricewaterhouseCoopers
Illinois State Treasurer’s Office UIC Center for Economic Education

Target
Partner Organizations and Resources Grade Bands/
Audience
Bank On Chicago, Financial Literacy Resource Guide (PDF)
Parents
A cooperative effort by local government, local banks, and community partners to offer easy-to-
Teachers
access checking accounts for unbanked and under banked individuals.
Chicago Mercantile Exchange Group, Request a Guided Tour Form (PDF)
Provides educational resources on risk, macroeconomics, futures and options. Guided tours can be Teachers
arranged for students.
Chicago Public Libraries
Provides an array of resources online and at local branches on financial and economic subjects and K - 12
topics.
City of Chicago Treasure's Office, Illinois State Treasurer's Office
Parents
Offers a set of strategies designed to help families with low and moderate incomes stabilize their
Teachers
financial lives.
Council for Economic Education, EconEdLink Resources, Econ Illinois, UIC Center for Economic
Education
K - 12
Offers teachers and school districts resources and professional development to teach fundamental
principles of economics and personal finance.
CPS-Integrated Library System, SOAR
A collection of online resources aligned with themes, topics and outcomes for all grade levels K - 12
outlined in the Financial Literacy Guide.
Credit Abuse Resistance Education (CARE)
A national organization pursuant to which lawyers, judges and trustees visit schools to train high 9 - 12
school students on the smart use of credit.
Economic Awareness Council
Emphasizes skills development, behavior change and peer motivation to embed financial literacy 7 - 12
through hands-on activities based in real world experiences.
EverFi: Financial Literacy
An educational technology company that provides online modules based on financial literacy 9 - 12
concepts.
Federal Reserve Bank of Chicago, Federal Reserve Education Teacher Resources
Offers online resources for teachers and students to support financial education. Guided tours for K - 12
students can be arranged at the Federal Reserve Bank of Chicago Money Museum.
Illinois Credit Union League, BizKid$
Connects teachers with expert guest speakers on topics such as money management, budgeting
6 - 12
and obtaining loans, in addition the site educates students about entrepreneurship.

Illinois Student Assistance Commission, What’s Next Illinois?
Offers online resources and outreach services to help students navigate the process of applying to 9-12
and entering college.
Journey World
An innovative space operated by Girl Scouts that allows children to run their very own city or 6 - 12
ecosystem in a state of the art simulated city.
Jumpstart Coalition Clearinghouse K-12
A premier online library of financial education resources, for teachers, parents and anyone Parents
committed to financial smarts for students. Teachers
Junior Achievement
Offers hands-on activities to help young people understand the economics of life, bringing the real K-12
world to students and opening their minds to their potential.
Lemonade Day Chicago
A free community-wide, educational program designed to teach youth how to start, and operate 4-8
their own business.
Money As You Grow
Parents
This initiative offers 20 essential, age-appropriate financial tips that kids need to know as they
Teachers
grow.
Money Savvy Generation, Recommended Reading List
Offers at-cost or free financial education resources for teachers to help students become smart K-8
about money.
Money Smart Week
Cooperative effort by community groups, financial institutions, government agencies, educational Parents
organizations, and financial experts, all designed to help consumers learn to better manage their Teachers
personal finances.
National Endowment for Financial Education (NEFE)
A leading private non-profit dedicated to inspiring empowered financial decision making for youths 9-12
and adults through online resources and teacher lesson plans.
Network for Teaching Entrepreneurship
Engages students in reading, writing, math, and building financial literacy through a real-world lens 9-12
of entrepreneurship and business.
PricewaterhouseCoopers Financial Literacy Curriculum
A curriculum that provides students and educators with free and easy access to financial literacy 3-12
education.
Talk With Our Kids About Money
Designates the second Wednesday in April as the “Talk With Our Kids About Money Day” – to K-12
support teachers in their efforts to integrate financial education into school curriculum.

Works Consulted
The financial literacy data outlined in the overview, the enduring understandings, guiding questions, and learner
outcomes derive from the following sources:
 American School Counselor Association. (2005). American School Counselor Association National Standards
for Students. Retrieved December 30, 2013, from
http://static.pdesas.org/content/documents/ASCA_National_Standards_for_Students.pdf
 Common Core State Standards Initiative. (2012). English Language Arts Standards.
http://www.corestandards.org/ELA-Literacy
 Common Core State Standards Initiative. (2012). Mathematics Standards.
http://www.corestandards.org/Math
 Council for Economic Education. (2010). Voluntary National Content Standards in Economics.
http://www.councilforeconed.org/resource/voluntary-national-content-standards-in-economics/
 Council for Economic Education. (2012). National Standards for Financial Literacy.
http://www.councilforeconed.org/national-standards-for-financial-literacy
 Discover Pathway to Financial Success. (2013). High School Seniors Financial Knowledge and Outlook.
Retrieved December 30, 2013, from
http://www.pathwaytofinancialsuccess.org/sites/default/files/Pathway%20Financial%20Knowledge%20and
%20Outlook%20Survey%20Key%20Findings.pdf
 Illinois State Board of Education. (1997). Illinois Learning Standards.
http://www.isbe.net/ils/social_science/standards.htm
 Financial Capability Study: About the Study. (2013). Financial Capability Study: About the Study. Retrieved
December 30, 2013, from http://www.usfinancialcapability.org/about.php
 Jump$tart Coalition for Personal Financial Literacy. (2007). National Standards in K-12 Personal Finance
Education. http://www.jumpstart.org/assets/files/standard_book-ALL.pdf
 President’s Advisory Council on Financial Capability. (2013). Money As You Grow: 20 Things Kids Need to
Know to Live Financially Smart Lives. http://moneyasyougrow.org

Kindergarten
Myself and Others

Enduring Understandings Guiding Questions
 People can acquire income in several ways including  How do the choices I make impact myself and others?
wages, salaries and monetary gifts.  How do I make wise decisions?
 People make choices because they cannot have Common Core State Standards
everything they want.
 Literacy Standards : RI.K.1, RI.K.2, W.K.2, SL.K.1
 People save for future financial goals.
 Mathematics Standards : K.CC.1, K.OA.2, K.NBT
 People use money to get the goods and services they
need and want.
Content Area Key for Sample Resources National Counseling Standards
 Academic Development: A:A2.3, A:A3.1, A:B1.2
SS Social Science
 Career Development: C:A1.2, C:A1.5
ELA English Language Arts
 Personal/Social Development: PS:A1.6, PS.A2.6,
MA Mathematics PS.A2.8, PS.B1.2
SC School Counseling
Learner Outcomes Sample Resources
Economic Citizenship
 Define citizenship and identify ways to be a good SS ELA Lesson: Community Sharing
citizen at home and school. SS ELA Lessons: Community Unit Plan (PDF)
SS ELA Lesson: Loose in the School
ELA Book: Murray, L., & Lowery, M. (2011). The
gingerbread man loose in the school. New
York: G.P. Putnam’s Sons.
SS ELA Lesson: Teacher Is Missing
ELA Book: Allard, H. G., & Marshall, J.
(1985). Miss Nelson is missing! New York:
Houghton Mifflin Harcourt.
ELA Book: Meiners, C. J. & Johnson, M.
(2005). Know and follow the rules.
Minneapolis: Free Spirit Publishing
SC Lesson: Making Friends
Department
1 | Kindergarten of Literacy
– Financial Literacy Guide Kindergarten
Earning Income / Incentives
 Describe the purpose of money and how it is used. MA Activities: Math Games and Worksheets
 Define income and identify ways to earn income MA Activities: Math Worksheets on Counting
(allowance, play time, etc).
 Distinguish between monetary gifts and earned
MA ELA Book: Williams, R. L. (2001). The coin
income. counting book. Watertown, MA: Charlesbridge.
 Count to 100 by ones and tens, and solve word SS Activity: Money Doesn’t Grow on Trees
problems within 10, by using objects or drawings. SS SC Lesson: Who Works in Our Community?
SS Lesson: We Can Earn Money
SS Lesson: Earning Money Teacher’s Guide and
Student Activities (PDF)
ELA Book: Cooper, S. K., & Muehlenhardt, A. B.
(2006). Whose hat is this?: a look at hats
workers wear—hard, tall, and shiny.
Minneapolis, MN: Picture Window Books.
SC Lesson: Community Helpers
SC Activity: Listen and Read – Community Club
SS MA Lesson: Earning Money and Saving (PDF)
ELA Book: Nolen, J., & Lewis, E. B. (2007). Pitching
In for Eubie. New York: Amistad.
Financial Planning and Decision Making

 Identify and distinguish between needs and wants. SS Lesson: All I Really Need!
 Identify choices people make every day. SS ELA Book: Olson, G. M. (2009). Needs and
 Evaluate the costs and benefits when making a wants. Mankato, MN: Pebble Books.
decision.
ELA Book: Neitsel, S., & Parker, N. W.
(1995). The bag I'm taking to Grandma's.
New York: Greenwillow Books.
SS ELA Lesson: The Wants and Needs of Making a
Difference
ELA Book: Williams, V. B. (2007). A chair for
my mother. New York: Greenwillow Books.
SS Lesson: Toys for Me: A Lesson on Choice
SS Lesson: That’s Not Fair! How Do We
Share?
SC Lesson: Stick With the Plan, Man!

Saving and Investing
 Distinguish between saving and spending. SS Lesson: The ABCs of Saving
 Identify reasons to save. SS MA Lesson: Savings Goals (PDF)
SS MA Lesson: Spend, Save or Donate: Penny
Drive
SS ELA Lesson: Money, Money, Honey Bunny!
(PDF)
SS Activity: Making a Buzz Bank for Saving
and Spending
MA ELA Book: Glass, J., & Allen, J. (2000). A dollar
for Penny. New York: Random House.
ELA Book: Berenstain, S., & Berenstain, J.
(1983). Berestain Bears' trouble with
money. New York: Random House.
Buying Goods and Services
 Identify and distinguish between goods and services. SS Lesson: Goods and Services
 Demonstrates how to use money to purchase goods SS Activity: Community Helpers Are at Your
and services. Door
MA Lesson: Making Spending Decisions
Teacher’s Guide and Student Activities
(PDF)
SS Lesson: Spending Plan Teacher’s Guide
and Student Activities (PDF)
ELA Book: Day, A. (1989). Carl goes shopping.
New York: Farrar Straus and Giroux.
Partner Organizations and Resources

For additional resources and instructional support, please visit the websites of the partner organizations below:
 Chicago Public Schools Integrated Library System, SOAR K-4 Reading/Resource List – Registration Required
 Council for Economic Education, EconEdLink Resources, Econ Illinois, UIC Center for Economic Education
 Journey World
 Talk With Our Kids About Money - Registration Required

Financial
Financial Literacy
Literacy Guide
Guide
First Grade
Choices: Needs vs. Wants

 People can make an economic decision to earn  How do wants and needs influence the choices I make?
income.  How do I earn and save income to reach my goals?
 People make choices because they cannot have
everything they want.
 People save for future financial goals. Common Core State Standards
 Literacy Standards: RI.1.1, RI.1.2, RI.1.7, W.1.2, SL.1.2,
SL.1.4
 Mathematics Standards: 1.OA.3, 1.NBT.1, 1NBT.2
SS Social Science  Academic Development: A:A3.1, A:B1.2
ELA English Language Arts  Career Development: C:A1.2, C:A1.5, C:A1.6
 Personal /Social Development: PS:A1.6, PS:A2.1,
MA Mathematics
PS:A2.6, PS:B1.2
 Distinguish between rights and responsibilities of SS ELA Lesson: What Is a Community?
being a good citizen and how they differ in ELA Book: Tokuda, W., Hall, R., & Wakiyama, H.
communities (family, school, neighborhood, city). (1986). Humphrey the lost whale: a true
 Identify privileges as benefits which can be granted or story. Union City, CA: Heian.
taken away (e.g., being first in line, attending a field
SS Lesson: Community Chain
trip, extended recess time).
SS Lesson: You Can Make a Difference
SS Lesson: Rules
Earning Income
 Differentiate between coins and their values.
MA Activity: Math Games and Worksheets
 Add and subtract within 20 to solve word problems.
MA Lesson: Addition Strategies – “Make 10”
 Gives examples of types of jobs within the family,
school, and community. (PDF)
MA SS Lesson: Make it Count
SC Activity: Career Bingo (PDF)

ELA SS Lesson: Jobs (PDF)
ELA Book: Blackstone, S., & Harter, D. (2000).
Bear about town. New York: Barefoot Books.
SS Lesson: Communities – What They Provide
for Us
ELA Book: Brown, M. T. (1990). Arthur's pet
business. Boston: Joy Street Book.
Department of Literacy First Grade

 Distinguish between needs and wants and how they
SS ELA Lesson: Wants and Needs (PDF)
differ in communities (family, school, neighborhood,
and city). ELA Book: Munsch, R. N., & Martchenko, M.
 Rank the order of their needs and wants, make a (1990). Something good. Toronto: Annick
choice, and identify what is given up. Press.
ELA Lesson: Tell Me a Story - Consequences
SS ELA Lesson: So Few of Me (PDF)
ELA Book: Mitchell, M. K., Ransome, J.,
Chomowicz, L., & Egolf, R. L. (1993). Uncle
Jed's barbershop. New York: Simon &
Schuster Books for Young Readers.

 Identify benefits of saving and different places where
MA Lesson: Savings Account and Interest (PDF)
people can save their money.
 Identify from a short story a character’s savings goal
ELA Book: Berenstain, S., & Berenstain, J.
and whether the character met the savings goal. (1983). The Berenstain Bears' trouble with
money. New York: Random House.
SS Lesson: The Piggy Bank Primer Teacher’s
Guide and Student Activity Book
ELA Activity: Financial Fables from the Fed
SS ELA Lesson: Something Special for Me (PDF)
SS ELA Lesson: A Gift for Mama, Student Activity,
(PDF) and Alternate Lesson
ELA Book: Hautzig, E. R., & Diamond, D. (1981).
A gift for Mama. New York: Viking Press.

 Compare and contrast the costs of various goods and
SS ELA Lesson: It’s On Sale! (PDF)
services.
 Match a list of wants with the correct example of a
ELA Book: Inkpen, M. (1999). The great pet sale.
good or service that satisfies each want. New York: Orchard Books.
SS Lesson: Goods and Services

 Journey World
 Money As You Grow
 Talk With Our Kids About Money - Registration Required
12 | First Grade – Financial Literacy Guide

Second Grade
Resources in My Community
 Citizens and government work together to provide  How do citizens and government work together to
goods and services. provide goods and services needed in our
 People can acquire income in several ways. communities?
 Choices about spending and saving now affect the  How are economic decisions made?
range of future choices.
Content Area Key for Sample Resources Common Core State Standards
 Literacy Standards : RI.2.1, W.2.1, W.2.2, SL.1.2, SL.1.4
SS Social Science
 Mathematics Standards : 2.NTBT.5, 2.MD.8, 2.MD.10
ELA English Language Arts National Counseling Standards
MA Mathematics  Academic Development: A:B1.2
SC School Counseling  Career Development: C:A1.2, C:A1.3
 Personal/Social Development: PS:A2.1, PS:A2.6
 Discuss how rights and privileges change over time SS Lesson: What’s My Rule?
and in different situations. SS Lesson: What’s Public? What’s Private? :
 Identify examples of public goods and private goods. Philanthropy Lesson
 Identify examples of natural resources, human SS Lesson: Little Nino’s Pizzeria (PDF)
resources, and capital goods. ELA Book: Barbour, K. (1987). Little Nino's
pizzeria. San Diego: Harcourt Brace
Jovanovich.
Earning Income
 Distinguish between coins and paper money, with
their respective values.
MA Lesson: Coin Motion, Coin Sheets, Coin
 Describe how income can be earned in exchange for Numbers, Coin Poster (PDF)
work. MA Lesson: Money Mania (PDF)
 Identify human resources in the community and the MA Activity: Math Worksheets and Games
goods and services they produce. SS Lesson: How People Make Things (PDF)
 Identify ways in which young people can earn money. SS ELA Lesson: Little Red Hen Makes a Pizza (PDF)
SS ELA Lesson: Messy Bessey’s Holidays (PDF)
SS Lesson: Build Your Community
SC Activity: Career Alphabet Book (PDF)
SC ELA Book: Baker, K. (2010). LMNO peas. New
York: Beach Lane Books.
Department of Literacy Second Grade

 Identify the purpose and basic components of a SS ELA Lesson: Thinking About Money
budget (spending, saving, and sharing). SS MA Lesson: Savings and Budget (PDF)
MA Lesson: Keeping Track of Our Money (PDF)
ELA Book: Zimelman, N., & Slavin, B. (1992).
How the second grade got $8,205.50 to visit
the Statue of Liberty. Morton Grove, Ill.: A.
Whitman.

 Explain the advantage of choosing to save or spend MA Lesson: My Bank, My Money, My Decisions!
money that is earned or received. SS Lesson: Banking is Interest-ing!
 Identify financial institutions in my community where MA Lesson: Alexander Used to Be Rich (PDF)
I can save money.
ELA Book: Viorst, J., & Cruz, R. (1978).
Alexander, who used to be rich last Sunday.
New York: Atheneum.

 Explain how scarcity affects the goods and services SS Lesson: Buying (PDF)
people buy. ELA Book: Cosby, B., & Honeywood, V. P.
 Describe a spending choice made and what was given (1998). Money troubles. New York:
up. Scholastic.
SS ELA Lesson: Scarcity and Choice (PDF)
ELA Book: Hoban, R., & Hoban, L. (1970). A
bargain for Frances. New York: Harper &
Row, Publishers.

 Journey World
14| Second Grade – Financial Literacy Guide
Third Grade
Choices and Consequences: Past, Present, and Future

 Economic systems are structured to meet the needs  How do economic choices differ across time and
and wants of different societies. space?
 People make choices because they cannot have  How do decisions I make now impact me in the future?
everything they want.  How do others try to influence my decisions?
 People can use their knowledge, skills, and
Common Core State Standards
experiences to earn income.
 Literacy Standards : RI.3.1, RI.3.2, RI.3.7, W.3.1, W.3.2,
 People across time and space earn and spend
W.3.7, SL.3.2, SL.3.4
resources on different goods and services.
 Mathematics Standards : 3.MD.3
 Setting goals helps you attain success.
SS Social Science  Academic Development: A:B1.2
ELA English Language Arts  Career Development: C:A1.2, C:A1.3
 Personal/Social Development: PS:A2.1, PS:A2.6
MA Mathematics
Learner Outcomes Resources
 Identify things that have been used as money
SS Lessons: Communities Around the World
(currency) across different times and societies.
(PDF)
 Identify and examine the rights, privileges, and
responsibilities in becoming an active citizen.
SS ELA Lesson: Characteristics and Functions of
Money (PDF)
 Describe how civic values are influenced by people’s
values and needs. ELA Book: Adams, B. J., & Zarins, J. A. (1992).
The go-around dollar. New York: Four Winds
Press.
SS ELA Lesson: The Role of Money (PDF)
ELA Book: Blume, J. (2002). Double fudge. New
York: Dutton Children's Books.
SS Lesson: Performing Citizenship Actions
Department of Literacy Third Grade

Earning Income
 Identify people who are producers in the community SS ELA Lesson: Wealth (PDF)
and provide examples of situations in which students ELA Book: Cosby, B., & Honeywood, V. P.
help produce goods and services. (1999). The day I was rich. New York:
 Describe entrepreneurship and the qualities of an Scholastic.
entrepreneur. MA ELA Lesson: Labor, Choice, and Taxes (PDF)
ELA Book: Ziefert, H., & Haley, A. (2003). You
can't buy a dinosaur with a dime: Problem-
solving in dollars and cents. Maplewood, NJ:
Blue Apple Books.
SS MA Lessons: Money for Entrepreneurs (PDF)
SC Activity: Ice Cream Career Scoopers and
Poster (PDF)

 Rank personal needs and wants in order of SS Lesson: What Matters Most?, Facilitator
importance. Tips, and Interactive Activity (PDF)
 Describe different types of ways people can save. MA Lesson: Which Is Better – Piggy Bank or
Savings Account?, Facilitator Tips, and
Interactive Activity (PDF)
SS ELA Lesson: Money Choices Have Costs and
Benefits (PDF)
ELA Book: Schwartz, D. M., & Kellogg, S. (1989).
If you made a million. New York: Lothrop,
Lee & Shepard Books.

 Describe a savings goal and write a savings plan to
SS MA Lessons: Hands On Banking (PDF)
reach that goal.
 Explain how and why a savings account should be
SS MA Lesson: Saving (PDF)
established. ELA Book: Sember, B. M. (2008). The everything
 Calculate how money saved can accumulate into a kids' money book: earn it, save it, and watch
larger amount over time. it grow! (2nd ed.). Avon, MA: Adams Media.
16 | Third Grade – Financial Literacy Guide

 Identify people who are consumers and provide SS MA Lesson: Comparison Shopping Teacher’s
examples in which students are consumers of goods Guide and Student Activity (PDF)
and services. SS MA Lesson: Is It Really Worth It? Facilitator Tips
 Compare and contrast the costs and features of similar and Interactive Activity (PDF)
goods and services.
MA ELA Lesson: Mental Money (PDF)
 Explain advertising with regard to its purpose,
ELA Book: Stevens, J. R., & Arnold, J. (1999).
audience, and effectiveness.
Carlos and the carnival. Flagstaff, Ariz.:
Rising Moon.
ELA Book: Ling, B., & Handelman, D. (1998).
Lemonade for sale. Brookfield, CT: Millbrook
Press.
Using Credit
 Explain what credit is and how it is used.
SS MA Lesson: What is Debt?
 Describe desirable qualities in borrowers.
ELA Book: Kimmel, E. A., & Rounds, G. (1990).
Four dollars and fifty cents. New York:
Holiday House.
SS MA Lesson: Shopping Smarter (PDF)
ELA Book: McGillian, J. K., & Phillips, I. (2003).
The kids' money book: earning, saving,
spending, investing, donating. New York:
Sterling Publishing.


 Journey World
17 | Third Grade – Financial Literacy Guide

Fourth Grade
Family, Communities, and Money

 Economic systems are structured to meet the needs  How do economic decisions made by the government
and wants of different societies. impact my community and my family?
 Gaining new knowledge, skills, and experiences allows  How do decisions I make impact me in the future?
people to improve their ability to earn income.  How do informed decisions lower the amount of risk I
 Organizing and planning personal finances helps face?
people live within their means.
Common Core State Standards
 Making informed decisions help citizens avoid or
reduce risks.
W.4.7, SL.4.1, SL.4.4
 Mathematics Standards : 4.NF.6, 4.NF.7, 4.MD.2
 Personal/Social Development:PS:A2.6, PS:B1.1,
MA Mathematics
PS:C1.7
 Identify how positive and negative incentives affect
SS Lesson: What Is Money?
behavior.
 Describe ways in which active citizens can meet the
SS Lesson: Incentives Influence Us
needs of communities. SS Lesson: Economic Incentives in Our
 Identify public goods and services provided by various Community
levels of government. SS ELA Lesson: Taxes (PDF)
 Explain who decides what goods and services are ELA Book: Gardiner, J. R., & Sewall, M. (1980).
produced, how they are produced, and who consumes Stone fox. New York: Crowell.
them in different economic systems. SS ELA Lesson: Government Goods and Services
(PDF)
ELA Book: Fritz, J., & DePaola, T. (2002). Can't
you make them behave, King George?.
Westport, CT: Weston Woods.
SS Lesson: Exploring Economics (PDF)
Department of Literacy Fourth Grade

Earning Income
 Identify different types of jobs at school and in the
SS SC Lesson: Earning an Income (PDF)
community and describe the skills associated with
ELA Book: Bulla, C. R., & Burke, J. (2000).
each.
 Define the characteristics of an entrepreneur and give Shoeshine girl (Newly illustrated Harper
an example of someone who shows those Trophy ed.). New York: HarperTrophy.
characteristics. SS ELA Lesson: Inventive Incentive
 Describe social entrepreneurship and its impact in the ELA Lesson: Getting Down to Business
community. Webquest
SS ELA Lesson: Starting Your Own Business (PDF)
ELA Book: Merrill, J. (1972). The toothpaste
millionaire. Boston: Houghton Mifflin.
SS Lesson: One Hen: How One Small Loan
Made a Big Difference

 Analyze the values and attitudes of members of SS ELA Lesson: Spending Money (PDF)
previous generations from their personal stories ELA Book: Cleary, B., & Darling, L. (2009). Henry
about money. and Beezus. New York: HarperCollins.
 Give examples of household expense categories and SS ELA Lesson: Saving and Creating a Budget (PDF)
sources of income. SS Lesson: Budgeting Basics
 Propose behaviors that can reduce expenses to
SS Lesson: Money Comes and Goes
balance a budget.
SS Lesson: Taking Charge of Your Financial
Future
MA Lesson: Writing a Math Story and
Worksheet (PDF)
 Identify the opportunity costs of saving decisions. SS Activity: “At the Bank” Scavenger Hunt
 Calculate how money saved can accumulate into a (PDF)
larger amount over time. SS ELA Lesson: Saving and Investing (PDF)
 Distinguish between saving and investing. ELA Book: Bateman, K. R. (2001). The young
investor: projects and activities for making
your money grow. Chicago: Chicago Review
Press.
MA Lesson: Stock Up! Teacher’s Information,
Teacher’s Guide (PDF), Student Information,
Student Activity (PDF), and More Graphing
(PDF)
SS MA Lesson: Short-Term and Long-Term Savings
Goals (PDF)
MA Lesson: Double Your Money Teacher’s
Guide and Worksheet (PDF)
19 | Fourth Grade – Financial Literacy Guide

 Identify factors that influence spending decisions.
SS Lesson: How Do You Spend Your Money?
(PDF)
SS ELA Lesson: Believe It or Not?
Using Credit
 Identify the consequences of borrowing and lending. SS ELA Lesson: Borrowing and Lending (PDF)
SS MA Lesson: Using Credit and Spending Money
Wisely (PDF)
ELA Book: Snodgrass, M. E. (1989). Mr. Popper's
Penguins: Richard and Florence Atwater.
Jacksonville, IL: Perma-Bound.
Managing Risk
 Identify possible consequences of disclosing different Site registration required for the following lessons:
types of personal information. SC Lesson: Talking Safely Online
 Identify possible risks of online shopping. SC Lesson: Private and Personal Information
SC Lesson: Scams and Schemes
ELA Book: Bawden, N. (1974). A handful of
thieves. Oxford: Heinemann New Windmills.


 Journey World
20 | Fourth Grade – Financial Literacy Guide

Fifth Grade
Investing in Myself
 Consumer and producer choices affect the goods and  How do choices I make impact the economy?
services produced.  How do choices I make now affect my future?
 Gaining new knowledge, skills, and experiences allows  How can I earn money?
one to improve their ability to earn income.  How do personal qualities impact credit?
 Responsible borrowers repay as promised, showing Common Core State Standards
that they are worthy of getting credit in the future.  Literacy Standards : RI.5.1, RI.5.2, RI.5.5, W.5.1, W.5.2,
 Making informed decisions helps citizens avoid or W.5.7, SL.5.1, SL.5.2
reduce risks.  Mathematics Standards : 5.NBT.3b, 5.NBT.7
MA Mathematics  Personal/Social Development:PS:A2.6, PS:B1.1,
SC School Counseling PS:C1.7

 Provide examples of rights and responsibilities of SS Lesson: The Economies of the U.S., Canada,
citizenship (personal, political, economic, and social). and Latin American Countries (PDF)
 Give examples of economic interdependence. SS ELA Lesson: Production and Trade (PDF)
 Trace the production, distribution, and consumption ELA Book: Hall, D., & Cooney, B. (1979). Ox-cart
of a particular good in the city, state or region. man. New York: Viking Press.
SS Lesson: The Trading Game
SS ELA Lesson: Meet Kit: An American Girl (PDF)
Earning Income
 Describe how incomes reflect previous choices made SS Lesson: My Classroom Economy
about education and careers. MA Lessons: Money Math (PDF)
 Analyze the consequences of choosing to quit school MA Lesson: Family Income (PDF)
and identify when those consequences occur. SS ELA Lesson: Understanding Your Paycheck
 Gather data on the average wage or salary for
SS SC Resource: Great Minds Think: A Kid’s Guide
different jobs and explain how they differ by the level
to Money (PDF)
of education or job skill.
SC Resource: Talking Points on Dropout
 Identify and align personal interests and qualities to
Statistics
career options, including entrepreneurship.
SC Lesson: Invest in Yourself (PDF)
SS ELA Lesson: Introducing Entrepreneurship
SS ELA Lesson: Businesses That Give Back
Department of Literacy Fifth Grade

ELA Book: Clements, A., & Selznick, B. (2005).
Lunch money. New York: Simon & Schuster
Books for Young Readers.
ELA Book: Namioka, L., & Kiefte, K. d. (2000).
Yang the eldest and his odd jobs. Boston, MA:
Little, Brown.
 Identify and explain the process of the five-step
SS Lesson: You Decide!
decision making process.
SS Resource: Banking Basics (PDF)
 Identify major features, benefits, and costs of checking
and savings accounts.
SS ELA Lessons: Econ Explorers Teacher’s Guide
(PDF) and Student Workbook (PDF)
 Identify various parts of a bank statement, including
income and expenses. MA SC Activity: Hello Working World (PDF)
 Describe how the rates of return on basic savings SS Lesson: Take It to the Bank
accounts at different financial institutions differ. SS MA Lesson: Your Budget Plan (PDF)
 Identify a variety of investment methods (e.g., SS MA Lesson: Savvy Savers (PDF)
education, property, stocks, and business) for SS ELA Lesson: Investing Basics – Stocks (PDF)
diversification.
SS Lesson: Saving and Investing for Your Future
ELA Book: Karlitz, G., & Honig, D. (2010).
Growing money: a complete investing guide
for kids. New York: Price Stern Sloan.
 Explain how spending practices affect achieving SS Lesson: Payment Parliament (PDF)
financial goals. SS Lesson: Credit or Debit – You Decide (PDF)
 Identify different ways to pay for goods and services. ELA Book: Loewen, N., & Fitzgerald, B. (2005).
Cash, credit cards, or checks: a book about
payment methods. Minneapolis, MN: Picture
Window Books.
Using Credit
 Describe conditions for lenders for the use of ELA Book: Klass, S. S. (1987). Credit-card Carole.
borrowed personal property. New York: Scribner.
 Describe how a person could regain a lender’s trust SS Video: Cash and Credit
after losing or damaging borrowed personal property.
Managing Risk
 Analyze kinds of risks young people may face and ways SS Resource: How to Teach Health Insurance to
to reduce or avoid them (i.e. playing a sport or riding a Kids (PDF)
bike).
22| Fifth Grade – Financial Literacy Guide


 Chicago Public Schools Integrated Library System, SOAR 5-8 Reading/Resource List – Registration Required
 Journey World
Department of Literacy
23 | Fifth Grade – Financial Literacy Guide

Sixth Grade
Living Within Your Means

 A nation’s economic well-being is determined by the  How do various factors impact wages associated with
interaction of spending and production decisions different jobs or careers?
made by all households, firms, government agencies,  How do informed decisions on saving, investing, and
and others in the economy. using credit impact you over time?
 Financially responsible individuals weigh the costs and  How do decisions of households, firms and government
benefits, short-term and long-term, before making affect each other?
economic decisions.
SS Social Science W.6.7, SL.6.1, SL.6.2
ELA English Language Arts  Mathematics Standards : 6.RP.3, 6.NS.5, 6.NS.7b,
6.NS.7d 6.EE.9
MA Mathematics
SC School Counseling National Counseling Standards
 Academic Development: A:B1.2, A:C1.6
 Career Development: C:A1.2, C:A1.3, C:B1.2,
 Personal/Social Development: PS:A2.6, PS:B1.9
 Provide examples in which political systems meet or
SS ELA Lesson: Journey to Jo’burg: A South African
fail to meet the needs and wants of their citizens.
Story (PDF)
 Analyze the circular flow of economic activity and
demonstrate the relationship among households, SS Lesson: The Circular Flow of a Market
businesses and government. Economy (PDF)
 Give examples of international economic SS Lesson: Economies of Eastern Hemisphere
interdependence. Nations (PDF)
SS Lesson: Interdependence and You
Department
1 | Sixth of Literacy
Grade – Financial Literacy Guide Sixth Grade
Earning Income
 Identify occupations or professions within a career
SC Lesson: You’re Going to College
category and the types of work, education and
training required for each. SC Lesson: What’s Your Angle?
 Describe opportunities for earning income through SC Lesson: Have a Plan, Stan!
entrepreneurial enterprises. SC Lesson: Social Entrepreneurs
SC Lesson: I Can Be an Entrepreneur
ELA Book: Bernstein, D., & Husberg, R. (2012).
Better than a lemonade stand!: small
business ideas for kids (Rev. ed.). New York:
Aladdin.

 Prepare a budget for a family given their income, SS Lesson: What Is Your Money Personality?
savings goals, taxes, insurance costs, and list of fixed SS Lesson: Are You Financially Literate?
and variable expenses. ELA Lesson: Banking and Budgeting (PDF)
 Balance a bank statement. SS MA Lesson: Learning to Spend, Learning to Give
ELA Book: Chatzky, J. S., & Haya, E. (2010). Not
your parents' money book: making, saving,
and spending your own money. New York:
Simon & Schuster Books for Young Readers.
ELA Book: Harman, H. P. (2004). Money sense
for kids! (2nd ed.). Hauppauge, NY: Barron's.

 Identify the advantages and disadvantages of various SS Lesson: How to Achieve Your Financial Goals
savings instruments. SS Lesson: Saving and Investing for Your Future
 Explain the value of an emergency fund. SS Lesson: Money Smart Choices
 Explain how stocks and bonds differ as investments ELA Book: Lowell, J. (1997). Investing from
and associated risks. scratch: a handbook for the young investor.
 Explore how education is a major investment and the New York: Penguin Books.
importance of making informed decisions improves
the outcomes associated with it.
 Evaluate the costs and benefits of various payment SS Lesson: Should I Use Cash or Credit?
options. SS Lesson: Debit or Credit – You Decide (PDF)
 Calculate the sales tax for a given purchase. MA Tool: Sales Tax Calculator
25 | Sixth Grade – Financial Literacy Guide

Using Credit
 Describe the advantages and disadvantages of using
SS Lesson: Using Your Credit
credit.
 Identify and define the three “Cs” of credit and
SS MA Lesson: Thinking About Credit
explain how credit history is used to determine ELA Lesson: Basics of Building Credit and Answer
creditworthiness. Guide
 Use a financial or online calculator to determine the ELA Book: Danziger, P. (1992). Not for a billion,
total cost of repaying a loan or credit card under gazillion dollars. New York: Delacorte.
various rates of interest and over different periods of
time.
Managing Risk
 Discuss the relationship between risk and types of
SS Lesson: The World Is a Risky Place
insurance options.
SS Lesson: Insurance


 Journey World
26 | Sixth Grade – Financial Literacy Guide

Seventh Grade
Planning for the Financial Future

 Economic systems differ with respect to level of  How do economic systems affect social and political
stability, efficiency, freedom, security and equality. issues?
 Financially responsible individuals weigh costs and  How do I find information that allows me to make
benefits, short-term and long-term, before making informed financial decisions?
economic decisions.  How is wealth built and managed over time?
SS Social Science
W.7.7, SL.7.1, SL.7.2
ELA English Language Arts  Mathematics Standards : 7.RP.3, 7.EE.3, 7.EE.4
MA Mathematics
National Counseling Standards
 Career Development: C:A1.2, C:A1.5, C:A1.6,C:C2.1
 Personal/Social Development: PS:A2.6, PS:B1.9
 Analyze how economic factors affect social and
SS Lesson: To Buy or Not to Buy
political aspects of society.
 Explain that how people choose to use resources has
SS Lesson: There Is Something in the Water
both present and future consequences. ELA Book: Park, L. S. (2011). A long walk to
water: a novel. Boston: Sandpiper/Houghton
Mifflin Harcourt.
Earning Income
 Recognize the costs and benefits of working for an
SC Resource: Be Your Own Boss
employer versus becoming an entrepreneur.
SC Lesson: The Entrepreneur in You?

SC Lesson: Inside the Vault – Entrepreneurship
ELA Book: Flake, S. (2001). Money hungry. New
York: Jump at the Sun/Hyperion Books For
Children
ELA Book: Pfeffer, S. B., & Grant, L. (1995). Kid
power. New York: Scholastic Paperbacks.
Department
1 | Seventh Grade – of Literacy
Financial Literacy Guide Seventh Grade
 Use the five-steps of the decision making model to
SS SC Lesson: Making Decisions Teacher’s Guide,
identify short-term, mid-term and long-term goals.
Student Activities and Presentation Slides
 Use a financial or online calculator to determine the
(PDF)
cost of achieving a financial goal.
 Define wealth based on personal values, priorities and SS MA Lesson: The Bank of Good Habits (PDF)
goals. SC MA Lesson: The Art of Budgeting Teacher’s
Guide, Student Activities and Presentation
Slides (PDF)
SS Lesson: What Is Your Money Personality?
SS Varied Resources: Money Games and
Videos
ELA Book: Foster, C. (2005). Financial literacy for
teens. Conyers, Ga.: Rising Books.
ELA Book: Manes, S., & Ulrich, G. (1991). Make
four million dollars by next Thursday!. New
York: Bantam Books.

 Use the Rule of 72 to determine the number of years it
MA Lesson: The Secret to Becoming a
will take for savings to double in value given various
Millionaire (PDF)
interest rates.
 Research and track publicly traded stocks and record SS ELA Lesson: The Basics of Saving and Investing
daily market values between two assignment specified (PDF)
dates. Recognize that stock values change each day. MA Activity: What Is the Value of Higher
Education? Calculator
SS MA Lesson: The Stock Market Game
SS Lesson: Investment Investigator
MA Lesson: Price-Earnings Ratio
MA Lesson: Stock Purchases and Commission

 Determine criteria for selecting a product and be able
SS Lesson: Sand Art Brownies
to identify the trade-offs made when selecting one
product over another (e.g., choosing a phone or SS Lesson: Trade Offs and Opportunity Cost
computer). SS Lesson: Learning to Spend, Learning to Give
 Explain the relationship between spending practices
and achieving financial goals.
28 | Seventh Grade – Financial Literacy Guide

Using Credit
 Identify and explain various factors that impact
SS Lesson: How Credit Affects Your Life
interest rates.
 Identify possible indicators of excessive debt.
SS Lesson: In Trouble Teacher’s Guide, Student
Activities and Presentation Slides (PDF)
Managing Risk
 Identify the purpose of various types of insurance and
SS ELA Glossary: Types of Insurance (PDF)
the factors that influence premium costs.
 Explain how insurance deductibles work.
SS Lesson: The Rise and Fall of Risk and Return
(PDF)
 Explain the relationship between risk and reward.


 Journey World
29 | Seventh Grade – Financial Literacy Guide

Eighth Grade
Consumer Rights and Responsibilities

 Consumer laws and regulations are in place to protect  How do government policies and regulations affect the
consumers. economy over time?
 Investing in human capital increases earning potential.  How do I make wise decisions as a consumer, producer,
 Social and political issues impact and are impacted by and investor?
the global economy.  What are global effects of my economic choices?
 Literacy Standards Addressed: RI.8.1, RI.8.2, RI.8.8,
SS Social Science W.8.1, W.8.2, W.8.7, SL.8.1, SL.8.4
ELA English Language Arts  Mathematics Standards Addressed: 8.EE.5, 8.EE.7b,
8.EE.8, 8.SP.1
MA Mathematics
National Counseling Standards
 Personal/Social Development: PS:A2.6, PS:B1.9,
PS:C1.7

 Analyze the effect of scarcity on the price, production,
SS Lesson: The Ice Cream Stand
consumption and
distribution of goods and services (i.e., price goes up SS Lesson: Who Is Working?
and production goes down, consumption goes down SS Lesson: Circular Flow (PDF)
and distribution is limited). SS Lesson: Supply and Demand, Lessons from
 Explain how relative price, people’s economic Toy Fads
decisions, and innovations influence SS Lesson: Where Did All the Money Go?
the market system. SS Lesson: Economics of the New Deal
 Describe cause of unemployment (e.g., seasonal SS Lesson: The Marketplace: The Trouble with
fluctuation in demand, changing skill requirements, Truffles
total spending changes).
 Describe roles of government in a market economy
and be able to provide examples.
Department
1 | Eighth of Literacy
Grade – Financial Literacy Guide Eighth Grade
Earning Income
 Explain why adults with a college education typically
SC MA Lesson: Making Money Teacher’s Guide,
earn more than adults with only a high school
Student Activities, and Presentation Slides
education.
(PDF)
 Explain how technological change creates new or
improved products. MA Lesson: Math and Taxes (PDF)
SS Lesson: Bring the Future to the People
ELA Book: Bolles, R. N., Christen, C., & Blomquist,
J. M. (2006). What color is your parachute?
for teens: discovering yourself, defining your
future. Berkeley, CA: Ten Speed Press.
ELA Book: Bornstein, D. (2004). How to change

the world: social entrepreneurs and the
power of new ideas. Oxford: Oxford
University Press.

 Identify differences among peers’ values and
MA Lesson: Spreading the Budget (PDF)
attitudes about money.
 Calculate percentages for major expense categories. SS MA Lesson: Living on Your Own Teacher’s
Slides (PDF)
SS ELA Beginner’s Guide: Building Wealth (PDF)

ELA Book: Guthrie, D., Stiles, J., & Kline, R.
(1998). Real world math money & other
numbers in your life. Brookfield, CT:
Millbrook Press.
ELA Book: Tripp, V., & Rane, W. (2000). Meet Kit,

an American girl. Middleton, WI: Pleasant
Co. Publications.

 Show the impact of saving and investing over the
SS ELA Lesson: What Does It Mean to Be Wealthy?
long term.
(PDF)
 Compare differences in investing in individual stocks
and bonds with investing in stock or bond mutual SS MA Lesson: Saving and Investing Teacher’s
funds. Guide, Student Activities and Presentation
Slides (PDF)
MA Lesson: The Power of Interest (PDF)
31 | Eighth Grade – Financial Literacy Guide

SS Lesson: Put It in the Bank (PDF)
SS MA Lesson: Stocks – Owning Part of a Company
(PDF)
SS MA Lesson: Bonds – Lending Your Money (PDF)

 Evaluate information for accuracy and bias when
SS ELA Lesson: The Influence of Advertising
using an array of consumer websites including
Teacher’s Guide, Student Activities and
manufacturers, retail, and consumers.
Presentation Slides (PDF)
 Identify deceptive selling practices from the internet
and print materials. SS Lesson: Consumer Awareness Teacher’s
 Inform peers how to make wise purchases. Guide, Student Activities and Presentation
Slides (PDF)
SS Lesson: Did You Get the Message?

ELA Book: Milios, R. (1992). Shopping savvy.
New York: Rosen Publishing Group.
Using Credit
 Demonstrate protections derived from consumer
SS Lesson: Consumer Privacy Teacher’s Guide,
credit laws.
Student Activities and Presentation Slides
 Investigate the concept of interest and how and why
(PDF)
it varies.
SS Lesson: Credit Teacher’s Guide, Student
Activities and Presentation Slides (PDF)
Managing Risk
 Describe problems that occur when one is the victim
SS Lesson: Identity Theft and Fraud
of identity theft.
 Identify actions an individual can take to protect
SS Lesson: Identify Theft (PDF)
personal identity.


 Journey World

Ninth Grade
Global Citizenship
 Economic systems differ with respect to level of  What is the government’s responsibility in providing for
stability, efficiency, freedom, security and equality. the general welfare of its citizens?
 Investing in human capital increases earning potential.  How will the decisions I make now affect me in the
 Financially responsible individuals weigh the costs and future?
benefits, short-term and long-term, before making  How does my education impact my financial future?
economic decisions.
 Diversification reduces risk by spreading assets among Common Core State Standards
several types of investments and industry sectors.  Literacy Standards: RI.9-10.1, RI.9-10.3, W.9-10.1,
W.9-10.7, SL.9-10.1
 Mathematics Standards: HSS.S-ID.2, HSS.S-ID.7, HSS.S-
IC.6, HSS.S-MD.5
SS Social Science
ELA English Language Arts  Personal/Social Development: PS:A2.6, PS:B1.9,
MA Mathematics PS:C1.7

 Analyze policies, actions and issues regarding
SS Lesson: Economic Freedom, Political
economic freedoms and the rights of individuals to
Freedom: Their Meaning, Their Results
equal protection under the law.
 Explain how national economies vary in the extent to SS Lesson: China – Where Will They Fit in the
which government and private markets allocate World Economy?
goods, services and resources.
SS Lesson: Comparative Economic Systems
 Explain “balance of trade”, and how trade surpluses
ELA Book: Landon, K. (2010). The limit. New
and deficits between nations exist.
York: Aladdin.
Department
1 | Ninth of Literacy
Grade – Financial Literacy Ninth Grade
Earning Income
 Relate a career choice, education required and the
SS Lesson: Business Ownership: How Sweet It
median income.
Can Be?
 Research the requirements of incoming students for
various colleges and majors. SC Varied Resources: What’s Next Illinois?
 Identify the risks entrepreneurs face and the SC Lesson: 411 on College Education
incentives for accepting the risk. SS Activity: Module 7: Taxes and Insurance –
EverFi Registration Required
SC Activity: Life Game – EverFi Registration
Required
ELA Book: Wolff, V.E. (1993). Make lemonade.

New York: H. Holt.

 Evaluate multiple types of financial institutions
SS Lesson: Why It Pays to Be Financially
(brokerage firms, commercial banks, credit unions,
Responsible Teacher’s Guide and Student
and savings and loans) in contrast to currency
Activity
exchanges.
 Explain the difference between assets and liabilities.
SS MA Resource: Pay Day 101
 Construct a net worth statement. SS Lesson: Banks and Credit Unions (Part I)
SS Varied Resources: Debt-Slapped
SS MA Lesson: What Do You Mean I’m Overdrawn?
There Are Still Checks in My Checkbook
Teacher’s Guide and Student Activity
SS Activity: Module 2: Banking – EverFi

Registration Required
ELA Book: Denega, D. (2008). Smart money: how

to manage your cash. New York: Franklin
Watts.
ELA Book: Karchut, W., & Karchut, D. (2012).
Money and teens: savvy money skills.
Colorado Springs: Copper Square Studios.
35 | Ninth Grade – Financial Literacy

 Illustrate the costs and benefits of different forms
SS Lesson: What Does It Mean to Be Wealthy?
of saving and investing.
(PDF)
 Define diversification and explain why it is
important. SS MA Lesson: Saving and Investing Teacher’s
Slides (PDF)
SS Lesson: Diversification and Risk (PDF)
SS Activity: Module 1: Saving – EverFi
SS Activity: Module 9: Investing – EverFi


 Explain legal rights and where the individual can
SS Lesson: Satisfaction Please!
obtain information on how to correct a problem
regarding a consumer purchase. SS Lesson: Consumer Awareness Teacher’s
Slides (PDF)
Using Credit
 Summarize how choices affect credit history.
SS Lesson: Use Credit Wisely (PDF)
SS Lesson: Do Your (Credit) Homework (PDF)
SS Lesson: Are You Credit Worthy? (PDF)
Managing Risk
 Explain why diversification reduces risk.
ELA Lesson: Diversification and Risk (PDF)
ELA Lesson: What Is Diversification? (PDF)

 Bank On Chicago
 Illinois Student Assistance Commission, What’s Next Illinois?
 Journey World
 Moneythink

Tenth Grade
Economics and Government

 The economy is impacted by the interaction of  How do government policies and regulations affect the
spending and production decisions made by economy over time?
households, businesses and government agencies.  How do I prepare for my future career?
 Financially responsible individuals weigh the costs and  What factors drive and are driven by economic
benefits, short-term and long-term, before making choices?
economic decisions.  How do I effectively manage and protect my assets?
 Planning for your education provides opportunities to
effectively plan for your future career. Common Core State Standards
 Literacy Standards : RI.9-10.1, RI.9-10.3, W.9-10.1,
W.9-10.7, SL.9-10.1
 Mathematics Standards : HSS.S-ID.2, HSS.S-ID.7,
HSS.S-IC.6, HSS.S-MD.5
SS Social Science
MA Mathematics PS:C1.7

 Analyze the role of the Federal Reserve System in the
SS Lesson: What Does the Fed Do? (PDF)
economy of the United States.
 Explain how economic choices made by individuals,
SS Lesson: Focus on Economic Data
businesses or governments often have intended and SS Lesson: Keynes vs. Hayek
unintended consequences. SS Lesson: The Economics of the New Deal
 Explain why government may intervene in a market SS Lesson: Market-ability
economy. SS Lesson: Past and Present Parallels
 Explain the importance of research, development,
invention, technology and entrepreneurship to the
United States economy.
Department
1 | Tenth of Literacy
Grade – Financial Literacy Guide Tenth Grade
Earning Income
 Analyze how economic, social-cultural and political
SS Lesson: The Economics of Income: If You’re
conditions can impact career potential.
So Smart, Why Aren’t You Rich?
 Determine the future income needed to maintain a
particular standard of living over time. SS Lesson: Unemployment and Industry in Your
 Compare the unemployment rates of workers with Community (PDF)
different levels of education. SS Lesson: Investigating Statistics
SC Lesson: Job Fair Simulation
SC Lesson: Finding the Right Career for You
Teacher’s Guide and Student Activity (PDF)
ELA Book: Ehrenreich, B. (2001). Nickel and
dimed: on (not) getting by in America. New
York: Metropolitan Books.

 Describe how to apply systematic decision making to
SC Resource: Student Loan Borrower
choose among alternative consumer actions for a
SC Assistance
hypothetical family.
 Identify the costs associated with different types of Lesson: Financing Your Education Teacher’s
post-secondary programs. Guide and Student Activity
 Research different options for financing post- SC Resource: College Greenlight
secondary education. SC Resource: What’s Next Illinois?
 Investigate the types of post-secondary programs SC Resource: College Admission Requirements
available to prepare one for a job or entrepreneurship SC Activity: Module 5: Financing Higher
opportunity. Education – EverFi Registration Required
SC Lessons: Know More, No Le$$
ELA Book: Covey, S. (2006). The 6 most
important decisions you'll ever make: a teen
guide to using the 7 habits. London: Simon &
Schuster.
39 | Tenth Grade – Financial Literacy Guide

 Interpret and analyze data presented in stock, mutual
SS MA Lesson: The Advantage of Starting Early
fund and bond tables.
(PDF)
 Compare the risks and returns of various investments.
SS Lesson: Saving for a Rainy Day Teacher’s
Guide and Student Activity (PDF)
SS Varied Resources: Principles of Money
Management
ELA Book: Gardner, D., Gardner, T., &
Maranjian, S. (2002). The Motley Fool
investment guide for teens: eight steps to
having more money than your parents ever
dreamed of. New York: Fireside.

 Explain how an extended warranty on a consumer
SS Resource: Consumer Protection Bureau
product is like insurance.
SS Varied Resources: Consumer Product Laws
and Agencies
Using Credit
 Identify the three major credit bureaus and their
SS Lesson: Why Credit Matters Teacher’s Guide
purpose and possible impacts.
and Student Activity (PDF)
 Examine consumer credit rights and protections as
they relate to credit reports. SS Lesson: The Building of Credit
SS Activity: Module 8: Consumer Fraud –
ELA Book: Randel, J. (2009). The skinny on credit
cards how to master the credit card game.
Westport, CT: Rand Publishing.

Managing Risk
 Identify how to manage risk through avoidance,
SS Lesson: Hurricane Katrina: Still Teaching
reduction, retention and transfer.
Valuable Lessons
SS SC Guide: Money Talks – Privacy, Please! (PDF)
SS MA Varied Activities: Insurance (NEFE –
Registration required)
SS MA Lesson: Do I Need Insurance?

 Bank On Chicago
 Journey World
 Moneythink

Eleventh Grade
Investing in My Future
spending and production decisions made by economy?
households, businesses and government agencies.  How does goal setting influence decision-making?
 Personal qualities, choices and experiences prepare  How do I effectively manage and protect my assets?
you for your future career.  How do I prepare for career opportunities?
 Diversification reduces risk by spreading assets among
several types of investments and industry sectors. Common Core State Standards
 Individuals purchase insurance to transfer the risk of  Literacy Standards : RI.11-12.1, RI.11-12.3, W.11-12.1,
financial loss. W.11-12.7, SL.11-12.1

SS Social Science
 Career Development: C:A1.2, C:A1.5, C:A1.6,C:A2.6,
ELA English Language Arts C:B1.5, C:C2.1
MA Mathematics  Personal/Social Development: PS:A2.6, PS:B1.9,
SC School Counseling PS:C1.7

 Analyze how government intervention with market
SS Lesson: U.S. Senate Rejects Minimum Wage
prices affects shortages or surpluses of a good or
Bill
service.
 Explain how activities in different sectors (households, SS Lesson: Then and Now: The Great
business, government) affect the whole economy. Depression and the Great Recession (PDF)
Department
1 | Eleventh Grade –of LiteracyLiteracy Guide
Financial Eleventh Grade
Earning Income
 Identify a career goal and develop a plan and SC Resource: Career One Stop
timetable for achieving it, including SC Resource: One-Net Online
educational/training requirements, costs and possible SS SC Varied Resources: Income and Career
debt. Preparation
 Summarize qualities employees look for in candidates
SS Lesson: Nothing But Net: Understanding
during a job interview.
Your Take Home Pay Teacher’s Guide and
 Prepare a resume and cover letter.
Student Activity (PDF)
 Practice job interviewing skills.
SS Lesson: Understanding Your Paycheck
 Complete a sample job application.
Varied Resources: These Kids Mean
 Determine various pathways to becoming an
Busines$
entrepreneur.
 Calculate taxes on gross income. ELA Book: Bornstein, D. (2004). How to change
 Research the earnings of entrepreneurs versus the world: social entrepreneurs and the
employees in a particular business sector. power of new ideas. Oxford: Oxford
University Press.
SS Lesson: Who’s FICA, and How Come He Gets
Part of My Check? Teacher’s Guide and
SS SC Resource: Occupational Outlook Handbook
SC Resource: What’s Next Illinois? Career
Planning

 Compare college costs, graduation rates, loan default
SC Varied Resources: Debt-Slapped
rates, average monthly loan payments and
employment prospects. SC Varied Resources: FinAid: The Smart
 Research jobs or internships that can help manage the Student Guide to Financial Aid
cost of one’s post-secondary education. SS ELA Student Guide: Your Money Matters: A
 Link decisions about borrowing to ability to pay back. Guide to Your Personal Finances (PDF)
 Compare sources for college funds including student SC Resource: College Green Light
loans, scholarships and grants. SC Resource: Federal Student Aid
SC Guide: Money Tips for College (PDF)
SS SC Resource: Money As You Grow
SS SC Varied Resources: Teen Resources
ELA SC Book: Student financial aid handbook.
(1999). Washington, DC: U.S. Dept. of
Education.
SC MA Lessons: Know More No Le$$ (PDF)
43 | Eleventh Grade – Financial Literacy Guide

 Identify and compare saving strategies, including
“paying yourself first,” using payroll deduction and SS MA Varied Lessons: Saving, Investing,
comparison shopping to spend less. Retirement
 Prepare a budget to save for post-secondary
education or training. SS MA Varied Resources: The Stock Market Game
 Contrast the benefits of a traditional IRA versus a SS SC Student Guide: Your Spending, Your Saving
Roth IRA. Your Future (PDF)
 Identify the appropriate types of investments to
achieve the objectives of liquidity, income and
growth.

 Explain the factors that a consumer should consider
SS Lesson: Satisfaction Please (Part I)
before making a purchase of goods or services.
 Explain how and why it is important to search for
SS Lesson: Consumer Choices
information when purchasing expensive, durable SS Resource: Consumer Protection Bureau
goods and services. SS Activity: Module 8: Consumer Fraud –
EverFi- Registration Required

Using Credit
 Identify various types of student loans and SS Lesson: My Credit Rating – Why Should I
alternatives to loans as a means for paying for post- Care?
secondary education. SC SS Varied Resources and School Visits: Credit
 Compare the costs and benefits of loans from Abuse Resistance Education (CARE)
financial institutions (brokerage firms, commercial SC MA Lesson: How Much Are You Really Paying for
banks, credit unions and savings and loans) in
that Loan? (PDF)
contrast to payday lenders.
SC Research: How America Pays for College
 Define credit card disclosure terms and complete a
2013 (PDF)
typical credit card application.
SC Varied Resources: Direct Loans
 Explain the concept of a credit score, the factors that
determine a credit score, what it indicates about a SC SS Documentary: Frontline – The Card Game
borrower and in what ways a good credit score is SC SS Documentary: Frontline – The Secret of the
important. Analyze information contained in a Credit Card
credit report, how long negative data can be SC SS Film: Maxed Out by Magnolia Home
retained and how to dispute inaccurate entries. Entertainment
 Discuss ways that a negative credit report can affect SS Lesson: Can You Afford to Retire?
a consumer’s financial future. SC SS Various Videos: Understanding Credit
SS Activity: Module 5: Payment Types, Interest
Rates, and Credit Cards – EverFi Registration
Required
SS Activity: Module 4: Credit Score – EverFi

Managing Risk
 Compare different categories and levels of insurance
ELA Article: How Do I “Disaster-Proof” My
coverage and costs for a given situation.
Finances?
 Recommend actions a victim of identity theft should
take to limit losses and restore personal security. SS SC Activity: Identify Theft and Student Guide
SS ELA Varied Resources: Insurance 101
SS MA Lesson Plan: My Broken Leg Costs How
Much?! Teacher’s Guide and Student
Activity
SS Lesson Plan: Keeping Your Wheels – and
You – Rolling Teacher’s Guide and Student
Activity
SS Lesson: Scam-o-rama
ELA SS Resource: Wealth Care Kit: Insurance (PDF)
SS Activity: Module 9: Managing Risk – EverFi

 Bank On Chicago
 Journey World
 Moneythink

Twelfth Grade
Life Beyond High School

spending and production decisions made by economy?
households, businesses and government agencies.  How can I increase the chances that I make wise
 Financially responsible individuals weigh the costs and financial decisions?
benefits, short-term and long-term, before making  How do I effectively manage and protect my assets?
economic decisions.  What do I need to know to be prepared to successfully
 Diversification reduces risk by spreading assets among navigate the financial world after high school?
several types of investments and industry sectors.
 Individuals purchase insurance to transfer the risk of Common Core State Standards
financial loss  Literacy Standards : RI.11-12.1, RI.11-12.3, W.11-12.1,
W.11-12.7, SL.11-12.1

SS Social Science
 Career Development: C:A2.3, C:B1.1, C:B1.5,
MA Mathematics PS:B1.2, PS:B1.9, PS:C1.7

 Analyze competing viewpoints about the impact on
SS Lesson: Balance of Power (PDF)
consumers, producers, workers, savers and investors
for policy changes such as an increase in the SS Lesson: Fed Orders Interest Rate Cut
minimum wage, a new tax policy and a change in SS Lesson: Economics of Interest Rates
interest rates. ELA Book: Yunus, M., & Weber, K. (2007).
 Explain how changes in monetary policy affect the Creating a world without poverty: social
money supply, interest rates and the path of business and the future of capitalism. New
economic activity in the local community. York: Public Affairs.
Department
1 | Twelfth of Literacy
Grade – Financial Literacy Guide Twelfth Grade
Earning Income
 Identify and analyze occupations expected to have job
SC Resource: Bureau of Labor Statistics K-12
growth and occupations expected to experience a
decline in job openings. SC Resource: Occupational Outlook Handbook
 Research employee benefits packages that are likely SC Resource: Career One Stop
to be offered by different companies, government or SC Resource: One-Net Online
not-for-profit organizations for a new worker in an SS SC Lesson: Compare Employee Benefits (PDF)
occupation. SS SC Varied Resources: Income and Career
Preparation
SS SC Varied Resources: These Kids Mean
Busines$

 Identify factors to consider when selecting a financial SC Varied Resources: FinAid: The Smart
planner/counseling professional and legal/tax adviser. Student Guide to Financial Aid
 Discuss financial responsibilities, both individual and SC Student Guide: Your Money Matters: A
shared, with having a roommate (including costs and Guide to Your Personal Finances (PDF)
benefits). SS ELA Resource: Wealth Care Kit: Retirement
 Discuss the pros and cons of sharing financial goals and Planning (PDF)
personal information with a partner before combining
SS ELA Resource: Wealth Care Kit: Income Tax
households.
Planning (PDF)
 Develop a personal financial plan including financial
SC Guide: Money Tips for College (PDF)
goals, a net worth statement, an income and expense
record, an insurance plan, a saving and investing plan, SS SC Resource: Money As You Grow
and a budget. SS MA Lesson: How to Live On Your Own . . . And
Not Move Back Home in a Week Teacher’s
SS SC Lesson: Making It Work Together: Money
and Roommates Teacher’s Guide and
SS Lessons: Know More No Le$$: How to Get
Exactly What You Need Financially to Go to
College
SS Lesson: When You Need an Expert Teacher’s
SS SC Varied Resources: Debt-Slapped
48 | Twelfth Grade – Financial Literacy Guide

ELA Book: Orman, S. (2005). The money book for
the young, fabulous & broke. New York:
Riverhead Books.
ELA Book: Stanley, T. J., & Danko, W. D. (1996).
The millionaire next door: the surprising
secrets of America's wealthy. Atlanta, Ga.:
Longstreet Press.

 Identify the appropriate types of investments to
SS MA Lesson: Making it on the Street – Wall Street
achieve the objectives of liquidity, income and growth
for individuals at various stages of their lives.
SS ELA Resource: Wealth Care Kit: Investment
Planning (PDF)
SS MA Varied Resources: The Stock Market Game

 Examine the costs and benefits of leasing versus buying
SS MA Lesson: Getting Wheels Teacher’s Guide and
a car.
 Examine the costs and benefits of renting versus
buying a home. SS Lesson: Researching and Buying a Car
SS MA Lesson: Cribs – How Do I Get Mine?!
SS Activity: Module 6: Renting vs. Owning –

Using Credit
 Access and review personal credit report for free.
SS SC Varied Resources and School Visits: Credit
 Describe how and why to dispute inaccurate entries on
Abuse Resistance Education (CARE)
credit reports.
SC Research: How America Pays for College
2013 (PDF)
SC Varied Resources: Direct Loans
SS SC Documentary: Frontline – The Card Game
SS SC Documentary: Frontline – The Secret of the
Credit Card
SS SC Film: Maxed Out by Magnolia Home
Entertainment
Managing Risk
 Assess the types and levels of personal financial risk
SS ELA Resource: Wealth Care Kit: Insurance (PDF)
faced by people at different stages of life and make
recommendations for appropriate insurance. SS ELA Resource: Insurance: Protect What You
Have (PDF)
SS Varied Lessons: Insurance – NEFE

 Bank On Chicago
 Journey World
 Moneythink


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CITY BOARD OF EDUCATION

CHICAGO PUBLIC SCHOOLS

Department of Literacy Page 1

 Economic Citizenship  Lesson Plans

Supporting Partner Organizations and Resources

Department of Literacy Page 2

Department of Literacy Page 3

Supporting Partner Organizations

Department of Literacy Page 4

Department of Literacy Page 5

Department of Literacy Page 6

Department of Literacy Page 7

Myself and Others

Financial Planning and Decision Making

9 | Kindergarten – Financial Literacy Guide

Partner Organizations and Resources

10 | Kindergarten – Financial Literacy Guide

Choices: Needs vs. Wants

SC Activity: Career Bingo (PDF)

Department of Literacy First Grade

Saving and Investing

Buying Goods and Services

Partner Organizations and Resources

12 | First Grade – Financial Literacy Guide

Department of Literacy Second Grade

Saving and Investing

Buying Goods and Services

Partner Organizations and Resources

Choices and Consequences: Past, Present, and Future

Department of Literacy Third Grade

Financial Planning and Decision Making

Saving and Investing

16 | Third Grade – Financial Literacy Guide

Partner Organizations and Resources

 Chicago Public Libraries

17 | Third Grade – Financial Literacy Guide

Family, Communities, and Money

Department of Literacy Fourth Grade

Financial Planning and Decision Making

19 | Fourth Grade – Financial Literacy Guide

Partner Organizations and Resources

 Chicago Public Libraries

20 | Fourth Grade – Financial Literacy Guide

Learner Outcomes Sample Resources

Department of Literacy Fifth Grade

22| Fifth Grade – Financial Literacy Guide

 Chicago Public Libraries

23 | Fifth Grade – Financial Literacy Guide

Living Within Your Means

Financial Planning and Decision Making

Saving and Investing

25 | Sixth Grade – Financial Literacy Guide

Partner Organizations and Resources

 Chicago Public Libraries

26 | Sixth Grade – Financial Literacy Guide

Planning for the Financial Future