New York Financial Literacy Standards: Helpful Teacher Resource

New York Career & Financial Management Curriculum Framework Alignment

Find out which of our lessons or games reinforce the individual
knowledge statements from the New York Career & Financial Management Curriculum Framework.

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Comprehensive Chapter
Short Lesson
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Standard	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
CAREER DEVELOPMENT (Short List)
Identify potential career pathways−16 career clusters as outlined in Common Career Technical Core (CCTC)	Lesson – Career Development Lesson – Income and Compensation Lesson – Work VS Study
Identify resources to conduct career research	Lesson – Biggest Mistakes of Job Seekers
Create short-, mid- and long-term SMART goals for career planning process	Lesson – Career Development Lesson – Income and Compensation Lesson – Work VS Study
OPTIONS BEYOND HIGH SCHOOL (Short List)	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Research post-secondary educational options, including trade schools, certificate programs, and two- and four-year colleges	Lesson – Career Development Lesson – Work VS Study
Explore employment opportunities including apprenticeships, labor unions, and full- and part-time employment	Lesson – Career Development Lesson – Work VS Study Lesson – How To Choose an Internship
Match their career goals, needs, and wants to the available options	Lesson – Career Development
Apply decision-making skills to develop a plan that includes short- and longterm career goal	Lesson – Career Development
Investigate the cost of educational options	Lesson – Work VS Study Lesson – Student Loans
Explore and identify types of financial assistance: scholarships, loans, Free Application for Federal Student Aid (FAFSA)	Lesson – Work VS Study Lesson – Student Loans
THE JOB SEARCH PROCESS (Short List)	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Describe and compile the information required for job applications	Lesson – Acing Job Interviews Lesson – Using Keywords In Your Resume
Develop materials to respond to online job postings	Lesson – Using Keywords In Your Resume
Identify the skills to create a good first impression, either on the internet or face to face	Lesson – Acing Job Interviews Lesson – Using Keywords In Your Resume
WORKPLACE REGULATIONS (Short List)	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Explain workplace terms, such as working hours, overtime, minimum wage, prevailing wage, per diem, workers’ compensation insurance, unemployment insurance, Social Security, and disability insurance	Lesson – Employer and Employee Rights and Responsibilities
Compare and contrast employer and worker rights and responsibilities	Lesson – Employer and Employee Rights and Responsibilities
Examine the role of Social Security and unemployment insurance	Lesson – Unemployment and other programs
Recognize the role of workers compensation insurance, disability insurance, and social security for on-the-job illness or injury	Lesson – Employer and Employee Rights and Responsibilities
CAREER READINESS SKILLS (TRANSFERRABLE SKILLS)	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Identify and discuss strategies to overcome obstacles and challenges to success in a variety of career and life settings	Lesson – Career Development
LIFELONG LEARNING (Short List)	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Explain how enrollment in skills development training, courses, degree programs, and/or workshops can enhance career growth, advancement, and/or lifelong learning	Lesson – Career Development Lesson – Pay Yourself First Lesson – Good Debt, Bad Debt
Understand the value that ongoing education has on career growth, achievement, and/or lifelong learning	Lesson – Career Development
LEADERSHIP AND ETHICS (Short List)	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Define leadership as it applies to the broad topic of career management	Lesson – Leading vs Directing Lesson – Importance of Planning and Vision Lesson – Centralized and Decentralized Management Explained
Investigate, list, and describe characteristics of effective leaders	Lesson – Leading vs Directing Lesson – Importance of Planning and Vision Lesson – Centralized and Decentralized Management Explained
Assess the impact leaders can have in the workplace, community, and the global marketplace	Lesson – Business Ethics Overview
Describe the purpose of leadership organizations and how they promote ethics in leadership	Lesson – Business Ethics Overview
Analyze why it is important for leaders to act ethically	Lesson – Business Ethics Overview
BUSINESS AND TECHNOLOGICAL INNOVATIONS (Short List)	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Develop skills to avoid identity theft and maintain identity security	Lesson – Protecting Against Fraud
Explain how communications may differ based on different audiences	Lesson – Analyzing Consumer Behavior Lesson – Segmentation and Target Markets Lesson – Classifying Products and Services
Describe the importance of online privacy and professionalism	Lesson – Protecting Against Fraud
BUDGETING	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Identify reasons to create financial goals	Lesson – Building Wealth Lesson – Pay Yourself First Lesson – Preparing for Retirement
Explain the value of having a spending plan/budget	Lesson – Budgeting Lesson – Budgeting and Spending Strategies Lesson – Spending and Savings Plans Lesson – Pay Yourself First
Recognize the importance of regularly reviewing a budget	Budget Game – Core Component Lesson – Budgeting Lesson – Financial Records and Receipts
Determine how savings and charitable giving fit into a budget	Budget Game – Core Component Lesson – Charitable Giving Lesson – Spending and Savings Plans Lesson – Pay Yourself First
Evaluate needs vs. wants	Budget Game – Core Component Lesson – Budgeting
Distinguish between fixed and variable expenses	Budget Game – Core Component Lesson – Budgeting
Examine various examples of opportunity costs and how they impact a budget	Lesson – What is Opportunity Cost? Lesson – Researching Spending Lesson – Planning for Long Term Purchases
Examine liquidity of savings for emergencies	Budget Game – Core Component Lesson – Pay Yourself First
Review variables impacting a budget (e.g., inflation, unemployment, relationship changes (marriage/divorce), extreme weather)	Lesson – Inflation Lesson – Family Planning Lesson – Planning for Long Term Purchases Lesson – Preparing for Spending Shocks
Explain the importance of developing an emergency fund before planning other monetary goals	Budget Game – Core Component Lesson – Pay Yourself First
Reflect on the importance of revising/updating emergency funds as life changes occur	Budget Game – Core Component Lesson – Pay Yourself First
Explain the importance of a “pay yourself first” policy	Budget Game – Core Component Lesson – Pay Yourself First
Identify how small “want” purchases and buying on impulse can impact a budget	Budget Game – Core Component Lesson – Budgeting Lesson – Budgeting and Spending Strategies
Explain options to balance your budget when/if there is a surplus or deficit	Lesson – Pay Yourself First Lesson – Budgeting and Spending Strategies
Identify outside influences that make sticking to a budget challenging (advertising, social status)	Lesson – Spending and Savings Plans
MONEY MANAGEMENT	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Review different mediums of exchange and bartering	Lesson – What is Money?
Explain the history of money	Lesson – What is Money?
Define US Department of Treasury and US Mint	Lesson – How Is Money Created?
Describe the role of the Federal Reserve Bank	Lesson – What is the Federal Reserve?
Identify various banking options such as commercial banking, credit unions, etc.	Lesson – Banks, Credit Unions, and Savings and Loans
Explain how financial institutions make money from consumer lending	Lesson – Banks, Credit Unions, and Savings and Loans Lesson – Debit Cards Lesson – Credit Cards
Describe how to open and manage both manual and electronic checking and savings accounts	Lesson – What is money?
Explain the different types of check endorsements	Lesson – What is money?
Identify the proper use of a debit card and ATM card	Lesson – Debit Cards
Identify the importance of maintaining good financial records (check register, electronic records and reconciliation statements)	Lesson – What are Financial Records? Lesson – Reconciling Accounts Lesson – Financial Records and Receipts
Explain the features of different savings plans	Lesson – Spending and Savings Plans
Describe overdraft protection	Lesson – Debit Cards
CREDIT AND LOANS	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Identify the businesses where credit is offered: banks, credit unions, investment firms, retailers, finance companies, tax preparers, pawn shops, government agencies, colleges, consumer finance companies, credit card companies, mortgage brokers, etc.	Lesson – Banks, Credit Unions, and Savings and Loans Lesson – Debit Cards Lesson – Credit Cards Lesson – Mortgages Lesson – Managing Debt
Describe the differences in the structure, options, and possible consequences of borrowing from the various sources	Lesson – Using Credit Lesson – Good Debt, Bad Debt Lesson – Managing Debt
Identify and describe the various types of credit: credit card, student loan, car loan, personal loan, mortgages, business loan	Lesson – Short-Term Financing Lesson – Credit Cards Lesson – Using Credit Lesson – Student Loans Lesson – Mortgages Activity – Use the Buy vs Lease Calculator
Define secured loans (give forms and examples of collateral), unsecured loans, subsidized and unsubsidized loans, co-signed loans and joint credit vs. individual credit, balloon payments, and ARM (adjusted rate mortgage)	Lesson – Short-Term Financing Lesson – Mortgages Lesson – Good Debt, Bad Debt
Review the types of loan applications and information required for approval: income; length at job; FICO (Fair Isaac Corp.) score; debt-to-loan ratio; collateral; down payment; co-signers or guarantors	Lesson – Credit Reports Lesson – Credit Cards Lesson – Using Credit Lesson – Mortgages
Explore the FAFSA (Free Application for Federal Student Aid) process for borrowing money for post-secondary education	Lesson – Student Loans
Define default/foreclosure/repossession, overspending, bankruptcy, poor credit decisions	Lesson – Bankruptcy Lesson – Debt Management Services Lesson – Consolidating Debt Lesson – Debt Negotiation
Discuss the pitfalls of failing to compare and evaluate interest rates, length of the loan, and total cost of the loan over the payment period	Budget Game – Core Component Lesson – Importance of Interest Rates Lesson – Using Credit Activity – Use the Credit Card Payments Calculator Activity – Use the Compound Interest Calculator
Describe the difference between a debit card and credit card	Budget Game – Core Component Lesson – Debit Cards Lesson – Credit Cards
Explain the advantages vs. disadvantages of using a credit card	Budget Game – Core Component Lesson – Credit Cards
Explain how balance transfers affect credit	Lesson – Bankruptcy Lesson – Debt Management Services Lesson – Consolidating Debt Lesson – Debt Negotiation
Discuss the true cost of purchases when making only the minimum payment on a credit card statement	Lesson – Credit Cards Activity – Use the Credit Card Payments Calculator
Identify various options associated with credit cards (prepaid cards, store credit cards, bank credit cards).	Lesson – Using Credit Lesson – Credit Cards
Define terms associated with credit cards (cash advances, credit limit, minimum amount due, grace period, late fee, finance charge)	Lesson – Using Credit Lesson – Credit Cards
Identify components associated with cash advances	Lesson – Credit Cards
Develop the ability to read, understand, and interpret credit card bills/statements	Budget Game – Core Component Lesson – Using Credit
Develop skills necessary to avoid identity theft and maintain identity security	Lesson – Protecting Against Fraud
Identify and promote good practices for privacy, security, and online safety	Lesson – Protecting Against Fraud
Identify strategies to avoid identity theft	Lesson – Protecting Against Fraud
Identify different kinds of consumer fraud	Lesson – Protecting Against Fraud Lesson – Consumer rights and responsibilities
Determine what steps to take if victimized by consumer fraud	Lesson – Protecting Against Fraud
INTEREST	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Describe what Annual Percentage Rate (APR) is, how it is used, and its importance	Lesson – Using Credit Lesson – Importance of Interest Rates Activity – Use the Compound Interest Calculator
Define terms and concepts associated with simple/compound interest, APR, late fees, initial fees, non-payment fees, and other information associated with the cost of credit	Lesson – Using Credit Lesson – The Importance of Interest Rates Activity – Use the Compound Interest Calculator
Identify various sources of credit and how large purchases (vehicles, homes, furniture) are usually financed	Activity – Use the Buy vs Lease Calculator Activity – Use the Home Budgeting Calculator Lesson – Mortgages Lesson – Planning Long-Term Purchases Lesson – Short-Term Financing
Define fixed vs. variable interest rates	Lesson – Mortgages
Explain strategies for earning interest and the benefits of doing so	Lesson – Investing Strategies Activity – Use the Investment Return Calculator Activity – Use the Net Present Value Calculator
Identify ways to reduce the cost of borrowing money • Making a larger down payment • Shopping for lower interest rates • Borrowing for a shorter period of time	Lesson – Using Credit Lesson – Credit Cards Lesson – Mortgages Lesson – Importance of Interest Rates Activity – Use the Compound Interest Calculator
Explain FICO (Fair Isaac Corp.), which started the credit score system, and why is it important	Lesson – Credit Reports
Identify the three credit reporting agencies (Equifax, Transunion, Experian) and their impact on your credit score	Lesson – Credit Reports
Describe the implications of a low vs. high credit score for securing a loan	Lesson – Credit Reports Lesson – Mortgages Lesson – Using Credit
Explain the steps to improve one’s credit score	Budget Game – Core Component Lesson – Credit Reports
Recognize the factors that have a negative impact on credit score	Budget Game – Core Component Lesson – Credit Reports
Explain the importance of tracking your credit score on a regular basis	Budget Game – Core Component Lesson – Credit Reports
Explain the consequences of paying only the minimum amount due on credit cards. (Generally, the longer the period of time for repayment, the greater the total cost of the loan and therefore the real price of the product or service purchased on credit.)	Lesson – Credit Cards Activity – Use the Credit Card Payments Calculator
INVESTING	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Explain what motivates people to invest (increase assets, produce wealth, and prepare for retirement)	Stock Game – Core Component Investing101 Certification Lesson – Why invest in Stocks? Lesson – Building a Diversified Portfolio Lesson – Building Wealth
Explore different investment strategies for various investment needs	Investing101 Certification Lesson – Investing Strategies Lesson – Building a Diversified Portfolio
Distinguish between investing and savings and how each satisfies financial goals	Stock Game – Core Component Investing101 Certification Budget Game – Core Component Lesson – Pay Yourself First Lesson – What is Wealth? Lesson – Preparing for Retirement
Explain the long-term value of investing	Lesson – Time Value of Money Lesson – Inflation Lesson – Preparing for Retirement Lesson – Building Wealth Lesson – What is Wealth? Activity – Use the Compound Interest Calculator Activity – Use the Net Worth Calculator
Examine commission charges and their impact on the cost of buying and selling securities	Stock Game – Core Component Investing101 Certification Lesson – What is a Brokerage?
Compare the differences among stocks, bonds, and mutual funds	Stock Game – Core Component Investing101 Certification Lesson – What is a Stock? Lesson – What are Bonds? Lesson – What is a Mutual Fund?
Recognize that different stocks are traded on specific stock exchanges (NYSE, Euronext, NASDAQ)	Stock Game – Core Component Investing101 Certification Lesson – What is a Stock? Lesson – Getting (and understanding) stock quotes Lesson – What is the New York Stock Exchange?
Analyze major indices that reflect aspects of the economic climate (S&P 500 and Dow Jones)	Stock Game – Core Component Investing101 Certification Lesson – What is the Dow Jones Industrial Average?
Define such terms as bear, bull, and volatile markets	Investing101 Certification Lesson – Understanding Price Movements
Explain why and how a company goes public (selling shares to the public)	Investing101 Certification Lesson – What is a Stock? Lesson – Types of Companies Lesson – Issuing stock and dividends
Explain stockholders rights	Lesson – What is a Stock? Lesson – Issuing Stock and Dividends Lesson – Dividends and Changes of Ownership
Describe why stocks have highest growth potential and risk potential	Investing101 Certification Lesson – Why invest in Stocks? Lesson – Investing Strategies Lesson – Building a Diversified Portfolio
Analyze risk and return potential	Investing101 Certification Lesson – Why invest in Stocks? Lesson – Investing Strategies Lesson – Building a Diversified Portfolio Lesson – Risk Activity – Use the Investment Return Calculator
Demonstrate ability to read stock market tables: stock symbol, high, low, opening and closing price, net change, volume, and P/E (price-to-earnings) ratio	Stock Game – Core Component Lesson – Getting (and understanding) stock quotes Investing101 Certification
Determine capital gains/losses (selling price – purchase price) x shares of stock = capital gain or loss	Stock Game – Core Component Investing101 Certification Lesson – What is a Brokerage?
Recognize the factors that influence stock prices (news, economy, new products, bankruptcy)	Stock Game – Core Component Investing101 Certification Lesson – Understanding Price Movements
Recognize the value of diversification and moderate risk	Stock Game – Core Component Investing101 Certification Lesson – Risk Lesson – Building a Diversified Portfolio
Distinguish among different mutual fund packages (money market, equity and bond funds, family of funds)	Investing101 Certification Lesson – What is a Mutual Fund?
Define the components of bonds, including principal, price, coupon/interest rates, payments to lender, face value, and maturity	Investing101 Certification Lesson – What are Bonds?
Define the different types of bonds, such as treasury bonds, municipal bonds, and corporate bonds	Investing101 Certification Lesson – What are Bonds?
Recognize factors that influence bond prices: rates, inflation, economic conditions	Investing101 Certification Lesson – What are Bonds? Lesson – Importance of Interest Rates Lesson – Inflation Lesson – Fiscal Policy Explained Lesson – Government Impact on the Economy
Recognize how real estate and collectibles (antiques, coins, sports cards, comic books) are investment opportunities	Investing101 Certification Lesson – Investing Strategies
Define the various long-term savings plans available for consumers (529, 403b, 401k, Gerber Plan, employment match fund, pension, tax deferred annuity, and Roth IRA)	Investing101 Certification Lesson – Investing Strategies Lesson – Preparing for Retirement Lesson – What is Wealth? Lesson – Building Wealth
CONSUMER OPTIONS AND PROTECTIONS	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Explain the costs associated with owning a car	Lesson – Buying a Car Activity – Use the Car Loans Calculator Lesson – Car Insurance
Evaluate the methods of purchasing a car	Lesson – Buying a Car Activity – Use the Car Loans Calculator Lesson – Car Insurance
Recognize the difference between the leasing and ownership options (used and new)	Activity – Use the Buy vs Lease Calculator Lesson – Research Spending
Analyze comparative costs of different residential locations	Budget Game – Core Component
Describe the steps, terms, and legalities of leasing an apartment	Lesson – Renter’s Insurance Lesson – What makes a contract valid?
Explain the process and considerations of purchasing a home	Lesson – Mortgages Activity – Use the Buy vs Lease Calculator Activity – Use the Home Budgeting Calculator
Compare renting to owning property	Activity – Use the Buy vs Lease Calculator
Identify reasons and motivation for purchasing various consumer products	Budget Game – Core Component Lesson – Pay Yourself First
Describe the power of advertisements affecting consumer decisions	Lesson – Spending and Savings Plans Lesson – Classifying Products and Services Lesson – Analyzing Consumer Behavior
Identify purchasing strategies, including discounts, brick and mortar vs. online, and comparative shopping (unit price)	Budget Game – Core Component Lesson – Research Spending Lesson – Budgeting Lesson – Budgeting and Spending Strategies Lesson – Spending and Savings Plans
Define brand name vs generic products and explain how price is affected	Budget Game – Core Component Lesson – Research Spending
Evaluate effective strategies for dealing with a consumer problem	Lesson – Consumer rights and responsibilities
Describe ways to recognize and prevent consumer fraud	Lesson – Protection Against Fraud
Describe ways to prevent identity theft	Lesson – Protection Against Fraud
Describe the legal remedies available to consumers such as lemon laws for cars, Better Business Bureau (BBB),the New York State Attorney General’s Bureau of Consumer Frauds & Protection, FTC’s Bureau of Consumer Protection, and Small Claims Court	Lesson – Consumer rights and responsibilities Lesson – Protection Against Fraud
INSURANCE	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Define risk and explain the methods of risk management	Lesson – Risk Lesson – Investing Strategies
Explain the concept of shared risk	Lesson – Risk Lesson – Health Insurance
Calculate the cost and benefits of insurance and how degrees of risk affect the cost of insurance	Lesson – Car Insurance Lesson – Health Insurance Lesson – Life Insurance Lesson – Home Owner’s Insurance Lesson – Renter’s Insurance Lesson – Risk
Explain the consequences of not carrying insurance	Lesson – Car Insurance Lesson – Health Insurance Lesson – Life Insurance Lesson – Home Owner’s Insurance Lesson – Renter’s Insurance Lesson – Risk
Determine insurance needs, decide what is affordable, and compare costs	Lesson – Car Insurance Lesson – Health Insurance Lesson – Life Insurance Lesson – Home Owner’s Insurance Lesson – Renter’s Insurance
Define insurance terms such as premium, coverage, deductible, and claim	Lesson – Car Insurance Lesson – Health Insurance Lesson – Life Insurance Lesson – Home Owner’s Insurance Lesson – Renter’s Insurance
Identify factors affecting cost of insurance such as age, gender, marital status, type of car, cost of repairs, mileage, location, law enforcement, driving record and claims made	Lesson – Car Insurance Lesson – Health Insurance Lesson – Life Insurance Lesson – Home Owner’s Insurance Lesson – Renter’s Insurance
Explore optional coverages such as bodily injury, liability, comprehensive, collision, and umbrella coverage	Lesson – Car Insurance Lesson – Health Insurance Lesson – Life Insurance
Explain the consequences of not having required insurance	Lesson – Risk
Explore strategies to reduce the cost of vehicle insurance, such as increasing the deductible, reducing coverage, garaging the vehicle, installing alarms, taking a driver education course, or avoiding submitting small claims	Lesson – Car Insurance
Explain the purpose and need for health insurance	Lesson – Health Insurance
Explain the purpose and need for life insurance	Lesson – Life Insurance
Explain the difference between term insurance and whole life insurance	Lesson – Life Insurance
Define life insurance terms, such as death benefit, beneficiary, cash value, and face-value	Lesson – Life Insurance
Explain the purpose and need for property insurance	Lesson – Homeowner’s Insurance Lesson – Rental Agreements and Homeowner’s
Define terms of property insurance, such as: renters, homeowners, and mortgage insurance	Lesson – Renter’s Insurance Lesson – Homeowner’s Insurance
Explore additional insurance options, such as: travel, mobile and electronic devices, disability, and long-term care	Lesson – Health Insurance Lesson – Life Insurance
Explore consequences for opting out of insurance protection	Lesson – Risk
TAXES	Activity	Long-Term Game	Comprehensive Chapter	Short Lesson	Interactive Calculator	Graded Assessment
Recognize the reasons that taxes are collected	Lesson – Taxation Overview Lesson – Government impact on the economy Lesson – Fiscal Policy Explained
Explain how municipalities and federal government collect and utilize taxes	Lesson – Taxation Overview Lesson – Government impact on the economy Lesson – Fiscal Policy Explained
Describe the advantages of payroll or employment taxes	Lesson – Payroll Best Practices
Define exemptions and dependents and explain how they affect income taxes	Lesson – Common Tax Deductions Lesson – Common Tax Additions
Compare adjustable gross income and taxable income	Lesson – Tax Filing and the Form 1040
Explain why sales taxes vary by location and how they impact consumerism	Lesson – Sales Tax
Define other types of taxes and their purpose, such as property taxes, luxury taxes, estate taxes	Lesson – Taxation Overview Lesson – Sales Tax
Explain income taxes and how they are reported and calculated.	Lesson – Income and Compensation Lesson – Tax Filing and the Form 1040 Lesson – When to hire a tax professional
Distinguish among tax forms such as 1040, 1040EZ, and 1099	Lesson – Taxation Overview Lesson – Tax Filing and the Form 1040
Distinguish between standard and itemized deductions	Lesson – Taxation Overview Lesson – Tax Filing and the Form 1040 Lesson – Common Tax Deductions Lesson – Common Tax Additions
Explain options available to taxpayers in reporting to the IRS	Lesson – Taxation Overview Lesson – Tax Filing and the Form 1040 Lesson – Common Tax Deductions Lesson – Common Tax Additions Lesson – Tax Audits
Define different deductions, such as: Medicare, Social Security, unemployment, and disability	Budget Game – Core Component Lesson – Income and Compensation
Explain how these tax-funded programs benefit employees	Lesson – Unemployment and other programs
Explain employers’ responsibility for each of the above	Lesson – Employer and Employee Rights and Responsibilities

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Career & Financial Management Curriculum Framework