Financial Literacy College Curriculum

Quickly start improving student financial capability - in the classroom - with iGrad's self-service, college curriculum.

Your Financial Mastery, iGrad's comprehensive classroom curriculum, is co-written by Sharon Lechter, CPA, the co-author of best-selling book Rich Dad, Poor Dad, and Angela Totman, CPFFE. Designed to meet the standards of a for-credit, higher education course, our financial literacy curriculum is flexible and easy to adapt to the particular needs of your school and instructors. Contact Us to learn why Your Financial Mastery is one of the most important gifts you can give your students on their academic journey.

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What's Included?

  • 15-chapter Student Workbook is engaging and easy to digest, encouraging students to apply the concepts to emulated, real-life financial experiences.
Student Workbook
  • The Instructor Guide includes a comprehensive curriculum outline, suggested exercises and discussion guides for the classroom, as well as answer keys for assessments and workbook exercises.
Instructor Guide
  • With the Your Financial Mastery curriculum, both students and instructors are given access to an online companion site with supporting materials, such as videos and interactive exercises.
Online Companion

Objectives & Key Terms

Each chapter of the financial literacy curriculum is organized around the core competencies students will master and the key terms they will learn.

Mindsets

'Mindset' exercises help students challenge, analyze and assess the preconceptions and psychology that we all bring to our personal finances.

Exercises

Exercises help students demonstrate financial capability by practicing the course concepts with simulated, real-life money management situations.

Quick Tips

Quick tips are included throughout the in-class curriculum, delivering bite-sized, relevant tips for each of the financial concepts that are addressed.

Assessments

Easy-to-grade assessments measure student understanding and comprehension of each financial literacy core competency in the curriculum.

Case Studies

Case studies bring abstract financial concepts to life by allowing students to see financial literacy's application to real-world scenarios.

Methodology: The 'Flipped Classroom' Approach


Inverted Classroom

We designed the Your Financial Mastery in- class curriculum based on the proven effective, 'flipped' or 'inverted' classroom method.

In-Class and At-Home Learning

According to this methodology, the 'lecture' is done at home through various mediums included in the curriculum, and what used to be 'homework' (assigned problems) is now done during class along with discussion forums.

Highly Effective

This method has proven highly effective for knowledge and discussion-based topics, such as financial literacy.

Bring The Curriculum To Your School

About the Authors
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Sharon Lecther, CPA

Sharon Lechter is an entrepreneur, bestselling author, philanthropist, education advocate and international speaker. Celebrating over 35 years as a CPA, Sharon is also a Chartered Global Management Accountant (CGMA). She has been a pioneer in developing new technologies, programs and products, including the award winning ThriveTime for Teens board game, to bring education into student's lives in ways that are innovative, challenging and fun and remains committed to financial literacy education. Co-author of the international bestselling book Rich Dad Poor Dad and 14 other books in the Rich Dad series, Sharon's most recent book project is Think and Grow Rich for Women, which follows Outwitting the Devil and Three Feet from Gold, all in association with the Napoleon Hill Foundation. Sharon also authored Save Wisely, Spend Happily in cooperation with the American Institute of Certified Public Accountants (AICPA).

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Angela Totman, CPFFE

Angela Totman is a Certified Personal and Family Finance Educator with over 10 years of experience teaching and developing financial literacy resources and programs. As Vice President and COO at Pay Your Family First, Angela drives programs that change participants' lives while nurturing partnerships with individuals and organizations that share in Pay Your Family First's passion for financial education. She has participated in the development of award winning tools such as the ThriveTime for Teens board game and YOUTHpreneur BIZkit, and programs that engage participants through creative learning and instill lessons that can be immediately applied for the strengthening and improvement of families and communities.

Curriculum Overview

Learning Objectives
  1. Identify financial values categories
  2. Define and identify types of Income and Expenses
  3. Understand Gross/Net Pay and how to read a paycheck stub
  4. Understand how to craft financial goals
  5. Identify components of an income statement and balance sheet
  6. Define a credit score
Learning Objectives
  1. Understand the benefits of transaction and savings accounts
  2. Understand how compound interest helps saved money grow
  3. Define and calculate future value
  4. Track savings and read/reconcile bank statements
  5. Define and create a spending plan
Learning Objectives
  1. Identify components of an income statement
  2. Analyze an income statement
  3. Identify components of a balance sheet
  4. Analyze a balance sheet
  5. Calculate net worth
  6. Create an income statement and balance sheet
  7. Calculate financial ratios
Learning Objectives
  1. Understand loan basics such as interest, term, and prepayment, etc.
  2. Define and calculate the cost of borrowing
  3. Identify good debt vs. bad debt
  4. Identify features and evaluate credit card offers
  5. Understand your credit rights as a consumer
Learning Objectives
  1. Identify long-term versus short-term implications of borrowing
  2. Understand how to meet financial goals and build assets
  3. Understand the cost of borrowing and how that cost is determined
  4. Plan, understand, and shop around for a loan with the lowest rate and best terms for you
  5. Identify various types of loans
  6. Understand general information on installment loans, including car loans
  7. Understand when and how to use credit effectively
  8. Plan for and meet your payment obligations
  9. Track borrowing habits
  10. Analyze renting or leasing versus owning assets (e.g., home or car)
Learning Objectives
  1. Identify the various costs to college education
  2. Differentiate between various types of financial aid
  3. Identify information necessary for applying for student aid
  4. Recognize characteristics of federal and private loans
  5. Determine financial aid need
  6. Evaluate repayment options for student loans
  7. Search for and identify alternatives to college loans
Learning Objectives
  1. Explain how wealth is built
  2. Identify asset classes and their financial benefits and risks
  3. Define other people's money and explain its use with wealth building
  4. Explain how time and compound interest impacts growth potentials
  5. Define risk tolerance and risk capacity and how to mitigate investment risk
  6. Explain inflation and how it impacts actual returns
Learning Objectives
  1. Understand various investments including bonds, stocks, mutual funds, cash equivalents
  2. Identify how the various investments could work for you
  3. Understand fees and account types (no load, front end load, open end, close end)
  4. Differentiate between fundamental and technical analysis
  5. Identify the available sources for purchasing stock investments
  6. Seek out and identify a financial advisor
Learning Objectives
  1. Learn how to accelerate your investment returns through real estate
  2. Understand the pros and cons of investing in real estate
  3. Understand the difference between cash flow and capital gain investing
  4. Learn the tax advantages of investing in real estate
  5. Learn which legal entity is best in which to hold your real estate property
Learning Objectives
  1. Assess your personal fit to the entrepreneur lifestyle
  2. Analyze new business ideas for fit to customer problems and solutions
  3. Determine the type and place to create your new business entity
  4. List and understand the requirements for a business plan
  5. Understand the need for and types of intellectual property
  6. Determine a viable business model for your startup
  7. Understand how and why you need financial targets
  8. Define financing and funding requirements
  9. Realize the value and importance of customer service
  10. Select the right business advisors
Learning Objectives
  1. Recognize the importance of planning for retirement
  2. Implement retirement strategies to achieve financial goals
  3. Differentiate among the types of investment vehicles for retirement
  4. Understand the difference between retirement and non-retirement, and qualified and non-qualified investments
  5. Asses your overall financial situation in determining retirement needs
Learning Objectives
  1. Evaluate and manage risks from potential losses or unexpected events
  2. Understand the need to build up an emergency fund
  3. Understand the various types of insurance available
  4. Analyze and choose appropriate insurance
  5. Find and consult a qualified expert for assistance
Learning Objectives
  1. Explain the history of taxes
  2. Identify the purpose and uses of taxes
  3. Differentiate between types of taxes
  4. Explain and calculate effective tax rate
  5. Differentiate between rebates, credits, and deductions
  6. Identify applicable deductions
  7. Differentiate between filing statuses
Learning Objectives
  1. Understand what identity theft is
  2. Learn ways to protect your identity
  3. Avoid practices that are not in your financial best interest
  4. Know the importance of critically analyzing advertisements and offers before acting
  5. Understanding how to avoid fraud and scams
  6. Understand the importance of reviewing your credit report annually
  7. Know what documents everyone should have in place for estate planning
  8. Identify essential steps to estate planning
  9. Identify the right estate document based on your current situation
Learning Objectives
  1. Assess your financial health today (financial statements)
  2. Identify what needs to change (budgeting)
  3. Find ways to reduce expenses or increase income
  4. Know the difference between credit repair and credit consolidation
  5. Understand the different ways to deal with mortgage defaults and home value decreases
  6. Know when bankruptcy is the last option and which type to choose

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