Georgia · SB 220 · Course 45.061
Georgia requires Economics and Personal Finance in one course.
Here’s the one built to teach both.
Your Next Chapter™ · Georgia Edition is a complete, portfolio-based Personal Finance and Economics course (GaDOE 45.061) — economics is the reasoning, personal finance is the practice, taught as one continuous arc. Built by a CFP® to cover all 22 Georgia Standards of Excellence.
Ready to deploy in 2–4 weeks.
One course. Both halves. All 22 standards.
Beginning in the 2024–25 school year, Georgia students must complete at least a half-credit course in Personal Finance and Economics during 11th or 12th grade. The credit counts toward math, social studies, or an elective — the district chooses.
SB 220 (2022) · GaDOE course 45.061 · Social Studies Georgia Standards of Excellence · first cohort: class of 2028Both subjects, one arc
Economics gives the “why” behind every personal-finance choice — not two courses stapled together.
Counts three ways
Satisfies a math, social-studies, or elective credit — the most flexible requirement on the board.
Georgia-specific
Rebuilt for Georgia’s flat state income tax and its at-fault 25/50/25 auto-insurance minimums.
Board-ready alignment
A statement-by-statement crosswalk to all 22 GSE standards, ready to hand your committee.
Standards crosswalk
Aligned to all 22 standards of Georgia’s Personal Finance and Economics course (45.061) — the economics strands and the ten SSEPF personal-finance standards.
| GSE strand | What it covers | Where it’s taught |
|---|---|---|
| SSEF 1–4 | Economic decision-making — scarcity, systems, the production-possibilities curve | Unit 1 — The Economics of Choice |
| SSEMI 1–3 | Microeconomics — supply & demand, market structures | Unit 2 — Markets & the Money You Earn |
| SSEMA 1–3 | Macroeconomics — GDP, the Federal Reserve, fiscal policy | Units 3 & 5 |
| SSEIN 1–2 | International — trade, Georgia’s ports, exchange rates | Unit 7 — The World Economy |
| SSEPF 1–10 | Personal finance — income, taxes, saving, credit, investing, insurance, consumer protection | Units 2–7 + capstone |
Exact standard-by-standard numbering appears in the full alignment document included with the sample package.
Built for Georgia, not relabeled.
Georgia taxes and Georgia law, taught with Georgia numbers — so the course fits a classroom in Savannah as well as one in Atlanta.
Taxes taught with Georgia numbers
Unit 3 uses Georgia’s flat state income tax and standard deduction on a real paycheck — no generic “your state” placeholder.
Insurance taught as Georgia law
Unit 6 teaches Georgia’s at-fault system and 25/50/25 minimums as the real rules students will face.
Georgia’s place in the world economy
Unit 7’s trade lesson anchors on the Ports of Savannah and Brunswick — Georgia’s role in international trade.
Seven units. One continuous arc.
36 core lessons plus a multi-session capstone across an 18-week semester. Students build one Next Chapter portfolio the whole way — the economics gives the “why” behind each financial choice.
Unit 1
The Economics of Choice
Scarcity and trade-offs as the logic behind every decision — ending in the student’s own values & goals.
Unit 2
Markets & the Money You Earn
How markets set prices and wages — then how that shows up in a real paycheck.
Unit 3
Government, Taxes & Your Take-Home Pay
The government’s role in the economy flows straight into the taxes on the student’s paycheck.
Unit 4
Spending, Budgeting & Saving
From consumer decision-making to a working budget the student can actually run.
Unit 5
The Financial System, Money & Credit
The Fed and interest rates as the machinery behind the cost of borrowing — then credit and debt.
Unit 6
Growing & Protecting What You Have
Investing and the savers-to-investors role, then the safety net — insurance and risk.
The national economy widens to the global one — then everything the student built becomes one plan they present and defend (Lessons 35–36).
The World Economy & Your Next-Chapter Plan
Students assemble all six artifacts into a complete personal financial plan for their first year after graduation, stress-test it against three disruption scenarios, and present it in a structured five-minute format. They don't finish with a grade. They finish with a plan.
Five life-transition tracks — chosen on Day 1.
Students pick one track on Day 1, and it becomes the lens for every decision across the semester — career research, budget assumptions, debt choices, and investment projections all reflect their specific path.
College
University or community college: tuition, loans, housing, part-time work.
Career Launch
First full-time job: benefits, first apartment, first car, 401(k) decisions.
Skilled Trades
Apprenticeship: earn while you learn, union benefits, tool costs.
Entrepreneurship
Your own business: variable income, self-employment taxes, startup costs.
Military Service
Enlistment and active duty: base pay and tax-free allowances, the Blended Retirement System, and benefits few 18-year-olds know how to read.
Built by a practitioner, not a curriculum company.
Mark H. Johnson · CFP® · AEP® · CEPA® · CDFA® · BFA™ · JD · MBA
Founder of Reviresco Financial Planning & Wealth Management in Monroe, Michigan, Mark has sat across the table from clients working through every financial mistake this curriculum is designed to prevent. Every unit is built around decisions your graduates will face within five years of graduation — not hypothetical, not textbook. Real.
Proof you can take to your board.
Every licensed district receives three structured outcome reports per cohort: a pre/post knowledge assessment (target ≥25-point gain), statement-level verification that all seven MDE areas were delivered, and capstone proficiency, completion, and teacher-satisfaction rates. At semester end you'll have a documented record of what percentage of students completed the course, what percentage produced a proficiency-level financial plan, and how much the average student's financial knowledge grew — the evidence base for renewing the license and reporting to your board.
See the course before you commit.
Let's talk about what this looks like for your district.
Request the Georgia Sample UnitPricing — by scope, not by state
A per-district site license by enrollment, all units and materials included. Choose your course:
Semester course
A half-credit, one-semester course — most states.
| Enrollment | Annual license |
|---|---|
| Up to 150 students | $2,000 |
| 151–500 | $4,500 |
| 501–1,500 | $9,500 |
| 1,501–5,000 | $18,000 |
| 5,001+ / consortium | Custom |
Full-year course
A full-credit, two-semester course — e.g. Louisiana. About 40% more, because it's nearly twice the course.
| Enrollment | Annual license |
|---|---|
| Up to 150 students | $2,800 |
| 151–500 | $6,300 |
| 501–1,500 | $13,300 |
| 1,501–5,000 | $25,200 |
| 5,001+ / consortium | Custom |
Semester course
A half-credit economics course.
| Enrollment | Annual license |
|---|---|
| Up to 150 students | $2,000 |
| 151–500 | $4,500 |
| 501–1,500 | $9,500 |
| 1,501–5,000 | $18,000 |
| 5,001+ / consortium | Custom |
For states that require a separate personal finance course and a separate economics course (e.g. Michigan). Each semester course is 20% off.
| Enrollment | Per course (−20%) | Both, total |
|---|---|---|
| Up to 150 | $1,600 | $3,200 |
| 151–500 | $3,600 | $7,200 |
| 501–1,500 | $7,600 | $15,200 |
| 1,501–5,000 | $14,400 | $28,800 |
| 5,001+ / consortium | Custom | Custom |