New Jersey Standards Alignment

We compared our curriculum and the core financial literacy concepts that are covered in our Budget and Stock Games to the social studies standards for the state of New Jersey.

A list of the New Jersey Personal Financial Literacy are below, along with a selection of activities from our games and library that align with each standard. Our curriculum library contains over 300 total lessons that can be customized for every class, so this may not include every lesson that may apply for each standard.


  • : Long-Term Game
  • : Comprehensive Chapter
  • : Short Lesson
  • : Interactive Calculator
  • : Includes Automatically-Graded Assessment
Differentiate among the types of taxes and employee benefits.Lesson – Taxation Overview
Lesson – Income and Compensation
Differentiate between taxable and nontaxable income.Lesson – Payroll Best Practices
Lesson – Taxation Overview
Analyze the relationship between various careers and personal earning goals. Lesson – Career Development
Lesson – Work or Study
Lesson – Budgeting
Identify a career goal and develop a plan and timetable for achieving it, including educational/training requirements, costs, and possible debt.Lesson – Work or Study
Lesson – Student Loans
Lesson – Career Development
Analyze how the economic, social, and political conditions of a time period can affect the labor market.Lesson – The Business Cycle
Lesson – Labor and Productivity”
Summarize the financial risks and benefits of entrepreneurship as a career choice. Lesson – Starting a Business
Lesson – Entrepreneurship
Analyze and critique various sources of income and available resources (e.g., financial assets, property, and transfer payments) and how they may substitute for earned income.Investing101 Certification
Lesson – What is Wealth
Lesson – Building a diversified portfolio
Lesson – Investing Strategies
Analyze different forms of currency and how currency is used to exchange goods and services. Lesson – What is Money?
Lesson – International Trade
Analyze how personal and cultural values impact spending and other financial decisions.Budget Game – Core Component
Demonstrate how exemptions and deductions can reduce taxable income.Lesson – Common Tax Deductions
Lesson – Common Tax Additions
Explain the relationship between government programs and services and taxation. Lesson – Taxation Overview
Lesson – Unemployment and other programs
Lesson – Government impact on the economy
Explain how compulsory government programs (e.g., Social Security, Medicare) provide insurance against some loss of income and benefits to eligible recipients.Lesson – Unemployment and other programs
Lesson – Government impact on the economy
Lesson – Unemployment
Lesson – Labor and Productivity
Analyze the impact of the collective bargaining process on benefits, income, and fair labor practice.Lesson – Consumer rights and responsibilities
Lesson – Employer and Employee Rights and Responsibilities
Prioritize financial decisions by systematically considering alternatives and possible consequences.Lesson – Planning for Retirement
Lesson – Preparing for Spending Shocks
Lesson – Family Planning
Lesson – Planning for Long Term Purchases
Compare strategies for saving and investing and the factors that influence how much should be saved or invested to meet financial goals.Budget Game – Core Component
Lesson – Building Wealth
Lesson – Pay Yourself First
Lesson – Budgeting
Construct a plan to accumulate emergency “rainy day” funds.Budget Game – Core Component
Lesson – Pay Yourself First
Lesson – Budgeting
Analyze how income and spending plans are affected by age, needs, and resources.Lesson – Budgeting and Spending Strategies
Lesson – Career Development
Lesson – Income and Compensation
Analyze how changes in taxes, inflation, and personal circumstances can affect a personal budget.Lesson – Inflation
Lesson – The Importance of Interest Rates
Lesson – Pay Yourself First
Lesson – Monetary Policy
Design and utilize a simulated budget to monitor progress of financial plans. Budget Game – Core Component
Explain the meaning of income tax, describe how it is calculated, and analyze its impact on one’s personal budget.Lesson – Tax Filing and the Form 1040
Lesson – When to hire a tax professional
Lesson – Spending and Savings Plans
Describe and calculate interest and fees that are applied to various forms of spending, debt, and saving.Activity – Use the Compound Interest Calculator
Activity – Use the Credit Card Payments Calculator
Activity – Use the Investment Return Calculator
Research the types and characteristics of various financial organizations in the community (e.g., banks, credit unions, check-cashing stores, et. al.).Lesson – Banks, Credit Unions, and Savings and Loans
Develop a plan that uses the services of various financial institutions to meet personal and family financial goals.Investing101 Certification
Lesson – What is a Brokerage?
Lesson – When to hire a tax professional
Lesson – Planning for Retirement
Lesson – Banks, Credit Unions, and Savings and Loans
Compare and contrast the financial benefits of different products and services offered by a variety of financial institutions.Lesson – Banks, Credit Unions, and Savings and Loans
Compare and compute interest and compound interest and develop an amortization table using business tools.Activity – Use the Compound Interest Calculator
Activity – Use the Credit Card Payments Calculator
Lesson – Importance of Interest Rates
Compute and assess the accumulating effect of interest paid over time when using a variety of sources of credit.Activity – Use the Credit Card Payments Calculator
Lesson – Managing Debt
Compare and contrast the advantages and disadvantages of various types of mortgages.Lesson – Mortgages
Analyze the information contained in a credit report and explain the importance of disputing inaccurate entries.Lesson – Credit Reports
Explain how predictive modeling determines “credit scores.”Lesson – Credit Reports
Analyze the rights and responsibilities of buyers and sellers under consumer protection laws.Lesson – Consumer rights and responsibilities
Identify the types and characteristics of predatory lending practices (e.g., payday loans, car title loans, high-risk mortgages).Lesson – Short-Term Financing
Evaluate the implications of personal and corporate bankruptcy for self and others.Lesson – Bankruptcy
Calculate short- and long-term returns on various investments (e.g., stocks, bonds, mutual funds, IRAs, deferred pension plans, and so on).Investing101 Certification
Activity – Use the Investment Return Calculator
Assess the impact of inflation on economic decisions and lifestyles.Lesson – Inflation
Summarize how investing builds wealth and assists in meeting long- and short-term financial goals.Lesson – What is Wealth
Lesson – Building Wealth
Assess factors that influence financial planning. Lesson – Investing Strategies
Lesson – Preparing for Retirement
Lesson – Life Insurance
Justify the use of savings and investment options to meet targeted goals.Lesson – Pay Yourself First
Analyze processes and vehicles for buying and selling investments.Stock Game – Core Component
Investing101 Certification
Lesson – Getting (and understanding) stock quotes
Lesson – What is a Mutual Fund?
Lesson – What are Bonds?
Explain the risk, return, and liquidity of various savings and investment alternatives.Lesson – Investing Strategies
Investing101 Certification
Explain how government and independent financial services and products are used to achieve personal financial goals.Lesson – Preparing for Retirement
Lesson – Income and Compensation
Relate savings and investment results to achievement of financial goals.Activity – Use the Investment Return Calculator
Activity – Use the Net Present Value Calculator
Activity – Use the Saving to be a Millionaire Calculator
Differentiate among various investment products and savings vehicles and how to use them most effectively.Stock Game – Core Component
Investing101 Certification
Lesson – What is a Stock?
Lesson – What is an ETF?
Lesson – What is a Mutual Fund?
Lesson – What are Bonds?
Assess the role of revenue-generating assets as mechanisms for accruing and managing wealth. Lesson – Building Wealth
Lesson – What is Wealth?
Compare and contrast the past and present role of government in the financial industry and in the regulation of financial markets.Lesson – Government impact on the economy
Lesson – Fiscal Policy Explained
Lesson – Monetary Policy
Determine the impact of various market events on stock market prices and on other savings and investments. Lesson – Stock Market Crash of 1929
Lesson – Understanding Price Movements
Evaluate how taxes affect the rate of return on savings and investments.Lesson – Taxation Overview
Analyze how savings, retirement plans, and other investment options help to shift current income for purposes of tax reporting and filing.Lesson – Planning for Retirement
Lesson – Preparing for Spending Shocks
Lesson – Planning for Long Term Purchases
Evaluate the appropriateness of different types of monetary transactions (e.g., electronic transfer, check, certified check, money order, gift card, barter) for various situations.Lesson – Debit Cards
Lesson – Credit Cards
Lesson – Automatic Payments
Analyze and apply multiple sources of financial information when prioritizing financial decisions.Lesson – Researching Spending
Investing101 Certification
Determine how objective, accurate, and current financial information affects the prioritization of financial decisions.Lesson – What is an Income Statement?
Lesson – What is a Balance Sheet?
Lesson – What Is A Cash Flow Statement
Lesson – Asset Valuation
Evaluate how media, bias, purpose, and validity affect the prioritization of consumer decisions and spending.Lesson – Spending and Savings Plans
Lesson – Pay Yourself First
Lesson – Researching Spending
Evaluate business practices and their impact on individuals, families, and societies.Lesson – Social Responsibility In Management
Lesson – The Product Lifecycle
Lesson – The Business Cycle
Evaluate written and verbal contracts for essential components and for obligations of the lender and borrower.Lesson – What makes a contract valid?
Apply specific consumer protection laws to the issues they address.Lesson – Consumer rights and responsibilities
Relate consumer fraud, including online scams and theft of employee time and goods, to laws that protect consumers.Lesson – Protecting Against Fraud
Determine when credit counseling is necessary and evaluate the resources available to assist consumers who wish to use it. Lesson – Managing Debt
Lesson – Debt Management Services
Lesson – Consolidating Debt
Lesson – Debt Negotiation
Determine reasons for the increase of identity theft worldwide and evaluate the extent to which victims of identity theft are successful in fully restoring their personal identities.Lesson – Protecting Against Fraud
Relate a country’s economic system of production and consumption to building personal wealth and achieving societal responsibilities.Lesson – Labour and Productivity
Assess the impact of emerging global economic events on financial planning.Lesson – The Business Cycle
Lesson – International trade
Analyze how citizen decisions and actions can influence the use of economic resources to achieve societal goals and provide individual services.Lesson – Analyzing Consumer Behavior
Lesson – Supply and Demand Examples in the Stock Market
Lesson – Consumer rights and responsibilities
Compare and contrast the role of philanthropy, volunteer service, and charities in community development and quality of life in a variety of cultures.Lesson – Charitable Giving
Lesson – Types of Companies
Explain the concept and forms of taxation and justify the use of taxation to fund public activities and initiatives.Lesson – Taxation Overview
Lesson – Monetary Policy
Analyze risks and benefits in various financial situations.Stock Game – Core Component
Budget Game – Core Component
Lesson – Risk
Lesson – Opportunity Cost
Differentiate between property and liability insurance protection.Lesson – Renter’s Insurance
Lesson – Home Owner’s Insurance
Lesson – Rental Agreements and Homeowner’s Associations
Compare the cost of various types of insurance (e.g., life, homeowners, motor vehicle) for the same product or service, given different liability limits and risk factors.Lesson – Renter’s Insurance
Lesson – Home Owner’s Insurance
Lesson – Rental Agreements and Homeowner’s Associations
Lesson – Car Insurance
Lesson – Life Insurance
Lesson – Health Insurance
Evaluate individual and family needs for insurance protection using opportunity-cost analysis.Lesson – Life Insurance
Lesson – Health Insurance
Lesson – Family Planning
Differentiate the costs and benefits of renter’s and homeowner’s insurance.Lesson – Renter’s Insurance
Lesson – Home Owner’s Insurance
Lesson – Rental Agreements and Homeowner’s Associations
Explain how to self-insure and how to determine when self-insurance is appropriate.Lesson – Renter’s Insurance
Lesson – Home Owner’s Insurance
Lesson – Health Insurance
Determine when and why it may be appropriate for the government to provide insurance coverage, rather than private industry.Lesson – Health Insurance

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