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JA Personal Finance 2.0®

JA Personal Finance curriculum cover

High School
Implementation:
Classroom Based
After School
Virtual

Pillars of Student Success
Financial Literacy High Financial Literacy
Work Readiness Moderate Work Readiness
Entrepreneurship Minimal Entrepreneurship
Through JA Personal Finance 2.0, students experience the interrelationship between today's financial decisions and future financial freedom. To achieve financial health and wellness, they learn about money-management strategies, including earning, employment and income, budgeting, savings, credit and debt, consumer protection, smart shopping, risk management, investing, credit card usage, debt management, and net worth.

Following participation in the program, students will be able to:

-- Identify how their personal finances affect their quality of life
-- Understand how their financial choices will be the basis for meeting their needs and wants.

JA Personal Finance is part of the JA Financial Literacy Pathway and is recommended for high school students (Grades 9-12).
This volunteer-led program can be implemented as a classroom based, remote live, or after school program. It consists of eight 45-minute sessions with 3 additional modular sessions. Program implementation depends on educator requirements and correlations to local standards.

Basic implementation includes Sessions One–Five delivered by the volunteer.
Sessions Six through Eight are optional and designed to be student self-guided activities with teacher or volunteer support.
Sessions Nine, Ten, and Eleven are both optional and modular. Each session includes self-guided learning experiences and an introduction and wrap-up by a teacher or volunteer.

JA teachers and volunteers are encouraged, as part of this program, to utilize the resources available in JA Connect™ Learning Pathways, located at connect.ja.org. This self-guided experience includes interactives, JA Digital Career Book, and games and apps for student use.

JA programs support national and state standards in reading, mathematics, social studies, and work and career readiness. See below for more information on alignment with national and state standards.

Program Concepts

Benefits versus costs, budgeting, compound interest, consequences, cost of living, credit, credit card fraud, credit reporting and rating, debt, delayed gratification, earnings, education, expense tracking, financial management, identity theft, income, information mining, interest, investing, job skills, limited resources, liquidity, maximizing earnings, opportunity cost, pawnshop, payday loan, priorities, rent-to-own, return on investment, reward, risk, saving, savings plan, unlimited wants, variable and discretionary expenses

Skills Students Learn

  • Analyze and evaluate data from multiple sources
  • car buying
  • comparing results
  • comparison shopping
  • computer skills
  • create savings plan
  • critical thinking
  • decision making
  • disputing unauthorized charges on a credit card
  • estimating
  • evaluate the risk and reward of an opportunity
  • evaluating online resources
  • evaluating options
  • evaluating personal skills
  • grocery shopping
  • interpreting analogy
  • long-term planning
  • online research
  • personal inventory
  • planning
  • predicting outcomes
  • presentation skills
  • prioritizing
  • proactive planning
  • problem solving
  • recognizing scams and fraud
  • recognizing the impact of relationships on personal finance
  • requesting and checking credit report
  • research
  • saving and investing
  • sorting
  • teamwork
  • tracking expenses
  • weighing costs and benefits

Virtual Implementation

Remote live implementation is available for JA Personal Finance.


Sponsor

Junior Achievement USA gratefully acknowledges The Allstate Foundation for its dedication to development and implementation of the JA Personal FInance Program.

Alignment with State and National Standards

Common Core Standards

For those states that follow common core standards, Junior Achievement’s curricula have been reviewed for alignment with these standards! Learn more by selecting the appropriate grade level below.

Main Correlation and Standards Page

National Standards

While educational standards are determined primarily at the state level, many national standards serve as guidelines for the development of these state standards. See how Junior Achievement curricula align with the national standards listed below.

Main Correlation and Standards Page

State Standards

Junior Achievement curricula are created to align with state standards. To see how our programs align with your state’s standards, explore the options below.

Main Correlation and Standards Page

Scope and Sequence

Junior Achievement learning experiences cover financial literacy, career and work readiness, and entrepreneurship. Our extensive scope and sequence helps explain how our programs cover these subjects at various grade levels.

Main Correlation and Standards Page

Request a Presenter to Teach Curriculum

A Junior Achievement Volunteer teaches students
Junior Achievement lessons are delivered by volunteers from the community. These presenters are prepared by JA to facilitate engaging learning activities that focus on financial literacy, work and career readiness, and entrepreneurship. This results in an enriched learning experience that helps students make the connection between what they learn in school and the world outside the classroom.

Steps to Request a Presenter

Steps to Request a Presenter

1) Request Info

Once you’ve decided to have a JA volunteer in your classroom, fill out the form on this website. You will receive information on next steps.

2) Pick Schedule

You will be able to coordinate a schedule that works for your class either online or in conjunction with a JA representative.

3) Meet Presenter

Once a volunteer is identified for your class, JA will connect you with the presenter to discuss roles, expectations, and logistics.

4) Empower Students with Standards-Based Education

After all details are in place, the JA volunteer will deliver lessons to your students either virtually or in-person.

Request Information about this Learning Experience



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If you would like to volunteer, request a program, or volunteer with JA,
please reach out to a JA near you!

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