Minnesota · Minn. Stat. § 120B.024
Minnesota requires personal finance to graduate — and leaves the standard to you.
Here's the course worth choosing.
Your Next Chapter™ is a complete, semester-long personal finance course built by a CFP® and aligned to the national benchmark for financial education — for a state that sets its own.
Ready to deploy in 2–4 weeks.
Minnesota's law, stated exactly.
Under Minn. Stat. § 120B.024, students who begin grade 9 in the 2024–25 school year and later must complete a course for credit in personal finance in grade 10, 11, or 12. The first affected class graduates in 2028 — this year's rising juniors — so the course has to be running now. Uniquely, Minnesota ties this credit to no state academic standards: the legislature deliberately left the choice to local control.
Minn. Stat. § 120B.024 · First affected class of 2028It doesn't cost a student an elective.
The half-credit personal finance requirement fulfills a half-credit of math, visual/performing/applied arts, or world language — the district chooses which. Total credits stay at 18. This course displaces a half-credit the board elects; it doesn't add one.
No state standards — and that's by design.
Personal finance is the one Minnesota graduation credit not tied to state academic standards. The legislature deliberately left the choice to local control — no state framework to align to, no box to check. Which puts the decision where it belongs: with you.
When everyone can claim "aligned," quality decides.
With no compliance list, "it's aligned" stops being a differentiator — everything can claim it. The real question becomes the right one: which course is actually best for our students? That's the question a CFP®-built, decision-first curriculum is built to win.
Flexible on who teaches it.
Minnesota requires the teacher to hold a field license or out-of-field permission in agricultural education, business, family & consumer science, social studies, or math. Our Teacher Onboarding Guide is written for exactly that range of educators.
Standards crosswalk
Built to the national benchmark — the National Standards for Personal Financial Education (CEE / Jump$tart) — for a state that sets its own.
| # | National Standard (CEE / Jump$tart) | Your Next Chapter™ unit |
|---|---|---|
| 1 | Earning Income | Unit 1 — Your Story, Your Income |
| 2 | Spending | Unit 2 — Spending with Intention |
| 3 | Saving | Unit 3 — Building Your Foundation |
| 4 | Managing Credit | Unit 4 — Borrowing Wisely |
| 5 | Investing | Unit 5 — Growing What You Have |
| 6 | Managing Risk | Unit 6 — Protecting What Matters |
| + | Paying Taxes | Unit 1 + Unit 7 capstone |
Mapped to the Council for Economic Education & Jump$tart Coalition National Standards for Personal Financial Education. All six core topics plus taxes are covered; the full crosswalk is included in the sample package.
Built for Minnesota, not relabeled.
Minnesota is your decision to make — so we make the case on merit, and we teach it with Minnesota's own numbers.
Made to win on merit, not a compliance box.
With no standards gate, a free national curriculum is no more "aligned" than anything else — so what separates courses is quality. This one is built by a CFP®, organized around the real financial decisions your graduates face within five years, and it ends with a plan each student actually keeps. It's a course you choose because it's best, not because it's mandated.
Minnesota numbers, not national averages.
Unit 1 uses Minnesota's own graduated income-tax structure, and Unit 6 teaches Minnesota's no-fault auto-insurance system — so a Twin Cities paycheck and an Iron Range one each run through real Minnesota math, not a national placeholder.
Minnesota-neutral by design.
Career research, rent anchors, and cost-of-living work point students at their own county and nearest metro — a district on the Iron Range and one in the Twin Cities each work with numbers that are real to them.
Seven units. Twenty-eight lessons. One plan.
Every unit produces one real portfolio artifact — a document the student will actually use after graduation.
Unit 1
Income & Career Snapshot
Your Story, Your Income.
Unit 2
Spending Values Map
Spending with Intention.
Unit 3
First-Year Budget
Building Your Foundation.
Unit 4
Credit & Debt Strategy
Borrowing Wisely.
Unit 5
Investment Starter Plan
Growing What You Have.
Unit 6
Risk Protection Checklist
Protecting What Matters.
Unit 7 · The Capstone
A plan they can use at 20, at 25, at 30.
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), topic-level verification that all six national-benchmark topics 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.
Minnesota's first affected class graduates in 2028.
This year's rising juniors — let's talk about what this looks like for your district.
Request the Minnesota 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 |