JA Personal Finance®
Through JA Personal Finance Blended Model, 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, and investing. At the conclusion of this program, students will be able to identify how their personal finances affect their quality of life. They will understand how their financial choices will be the basis of how they get what they want and need.
- Basic implementation includes Sessions One–Five delivered by the volunteer.
- Advanced implementation includes Sessions One–Five delivered by the volunteer and Sessions Six–Eight delivered by the teacher or volunteer.
All JA programs are designed to support the skills and competencies identified by the Partnership for 21st Century Skills. JA programs also correlate to state standards in social studies, English, and mathematics, and to Common Core State Standards.
|Pillars of Student Success||Entrepreneurship:||Financial-Literacy:||Work-Readiness:|
|Program Implementation||Program Grade-Level|
|Program Concepts||Program Skills|
|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||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, requesting and checking credit report, research, saving and investing, sorting, teamwork, tracking expenses, weighing costs and benefits|
Session One: Earning, Employment, and Income (volunteer-led)
Session Two: Budgeting (volunteer-led)
Students investigate the importance of budgeting and how to plan for staying within a budget.
Session Three: Savings (volunteer-led)
Session Four: Credit and Debt (volunteer-led)
Session Five: Consumer Protection (volunteer-led)
Session Six: Smart Shopping (volunteer- or teacher-led)
Session Seven: Risk Management (volunteer- or teacher-led)
Students investigate risks that can lead to financial loss and practice applying appropriate risk management strategies in scenarios.
Session Eight: Investing (volunteer- or teacher-led)
Students explore investing and work in groups to simulate evaluating investments with different levels of risk and reward.
American Honda Finance Corporation
Junior Achievement USA gratefully acknowledges American Honda Finance Corporation for its dedication to the development and implementation of the high school financial literacy program JA Personal Finance.