Personal Financial Literacy & Economics for Real Life
Table of ContentsPERSONAL FINANCIAL LITERACY & ECONOMICS FOR REAL LIFE
The online course is rigorous, requiring students to think, problem-solve, communicate, and set long-term goals and plans. The Instructor TIPS include recommendations for engaging students.
Decker & Associates, Inc. advisors have counseled thousands of families, providing insightful recommendations to calibrate goals and spending to reality. Sacrifices will need to be made by both. But with access to this publication and D&A advice, all should be able to achieve their long-term goals.
UNIT 1 – REALITY, GOALS & EXPECTATIONS
TIP 1 – Personal Finance Talk
Lesson 1.1 ‐ The Big Picture
Lesson 1.2 – Goal Setting
Lesson 1.3 – Reality & Me
Lesson 1.4 – Life Plan & Financial Personalities
Unit 1 Quiz
UNIT 2 – INTERESTS, SKILLS & CAREERS
TIP 2 – About Careers
Lesson 2.1 – Identifying Interests
Lesson 2.2 – Identifying Skills that Earn a Desired Standard of Living
Lesson 2.3 – Matching Interest & Skills to Careers
Lesson 2.4 – Making a Career Matrix Unit 2 Quiz
UNIT 3 – POSTSECONDARY EDUCATION
TIP 3 – From Careers to Selecting PSE
Lesson 3.1 – PSE – Value of Education
Lesson 3.2 – Funding PSE
Lesson 3.3 – Student Loans
Lesson 3.4 – Attending a Foreign University
Unit 3 Quiz
UNIT 4 ‐ INCOME, BENEFITS & GOVERNMENT PAYMENTS
TIP 4 – Income, Benefits & Gov Benefits
Lesson 4.1 – Types of Income
Lesson 4.2 – Benefits from Employment
Lesson 4.3 – Government Payments
Unit 4 Quiz
UNIT 5 ‐ TAXES & PAYROLL
TIP 5 – Payroll Statements, FIT & FICA
Lesson 5.1 – How Are Taxes Designed?
Lesson 5.2 – Net Wages & Calculate Taxes
Unit 5 Quiz
UNIT 6 – BEING SELF-EMPLOYED
TIP 6 – Being Your Own Boss
Lesson 6.1 – Risks & Rewards
Lesson 6.2 – You Are A Consultant
Lesson 6.3 – Resources & Hiring Employees
Unit 6 Quiz
UNIT 7 – NEEDS & WANTS – HOUSING & CARS
TIP 7 – Needs, Wants, Housing & Cars
Lesson 7.1 – Are Needs Real or Psychological?
Lesson 7.2 – Cost & Benefits of Owning or Renting a Home
Lesson 7.3 – Cost & Benefits of Owning or Leasing a Vehicle
Unit 7 Quiz
UNIT 8 – CREDIT & DEBT IN AMERICA
TIP 8 – Plethora of Borrowing Opportunities & Traps
Lesson 8.1 – Types of Credit and the Impact
Lesson 8.2 – Credit Reports & Credit Scores
Lesson 8.3 – Impact of Credit & Debt – Financial & Psychological
Unit 8 Quiz
UNIT 9 – INSTITUTIONS, MARKETS & THE BIG PICTURE
TIP 9 – Using Financial Resources to Achieve Your Goals
TIP 9A – Turning Students Into Investors
Lesson 9.1 – Banking & Financial Institutions
Lesson 9.2 – Market, PYF, Compound Interest, Invest Early
Lesson 9.3 – Saving for Goals & Emergencies
Lesson 9.4 – Wealth Accumulation Through Investing
Lesson 9.5 – Will You Be Financially Independent or Able to Retire
Lesson 9.6 – Pre-Tax and After-Tax Investing
Unit 9 Quiz
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PFL&E is about real life. It is developed by Decker & Associates – award winning, experienced financial professionals. It is designed to offer young adults a dynamic future.
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