In Third Grade

  • Third grade students determined the value of a collection of coins and bills, explained the connection between human capital/labor and income, described availability and scarcity and the impact on cost, explained credit, responsible borrowing, and reasons to save.

In Fourth Grade

  • In fourth grade, students distinguish between fixed and variable expenses, calculate profit, describe the purposes of financial institutions, compare various savings options, and how to allocate weekly allowance.

In Fifth Grade

  • Fifth grade students define income tax, payroll tax, sales, tax, and property tax, explain the differences between gross and net incomes, describe how to balance a budget, identify different methods of payments, and a develop a system for keeping and using financial records.