North Carolina · HB 924 · Course 4319
North Carolina requires a full-year Economics and Personal Finance course to graduate.
Here’s the one built to teach both — as one course.
Your Next Chapter™ · North Carolina Edition is a complete, full-credit, full-year course — a single combined Economics and Personal Finance course (EPF), 15 units across two semesters, mapped to North Carolina’s 2021 EPF standards and built by a CFP®.
One credit. Both halves. Every EPF standard.
Since the 2020–21 school year, North Carolina has required a full-credit Economics and Personal Finance (EPF) course, and a passing grade in it is a condition of graduation. The class of 2024 was the first cohort to graduate under the requirement.
HB 924 · S.L. 2019-82 · NC DPI course 4319 · 2021 EPF StandardsA full credit, both subjects
One year, 15 units — economics and personal finance taught as one continuous course, exactly as North Carolina’s EPF requires.
Mapped to the 2021 standards
Aligned across the economics strand (EPF.E.1–E.4) and the personal-finance strands — Income & Education, Money & Credit Management, Financial Planning, and Critical Consumerism.
Standards crosswalk
A full-year course mapped to North Carolina’s 2021 EPF standards — the economics strand (EPF.E.1–E.4) and the personal-finance strands (IE, MCM, FP, CC), across two semesters. The full standard-by-standard crosswalk ships with the sample package.
| Unit | Focus | North Carolina EPF |
|---|---|---|
| Semester 1 — Economic reasoning, markets & income | ||
| Unit 1 · Foundations of Economic Decision-Making | Scarcity, trade-offs, incentives | Economics |
| Unit 2 · Markets: Why Things Cost What They Cost | Supply, demand, prices | Economics |
| Unit 3 · Macroeconomic Goals & Performance | GDP, inflation, unemployment | Economics |
| Unit 4 · Money, Banking & the Federal Reserve | The Fed, monetary policy | Economics |
| Unit 5 · The Government’s Hand: Fiscal Policy & Taxes | Taxes, spending, regulation | Economics |
| Unit 6 · The World in Your Cart: International Trade | Trade, the Port of Wilmington | Economics |
| Unit 7 · Human Capital, Income & Taxes | Careers, gross vs. net pay, NC flat tax | Personal finance |
| Unit 8 · Spending & Consumer Decisions | Consumer choices, needs vs. wants | Personal finance |
| Semester 2 — Managing money, big decisions & the plan | ||
| Unit 9 · Budgeting & Financial Planning | Budgets, goals, the emergency fund | Personal finance |
| Unit 10 · Banking & Financial Institutions | Accounts, FDIC/NCUA, fees | Personal finance |
| Unit 11 · Credit & Debt Management | Credit scores, APR, debt | Personal finance |
| Unit 12 · Saving, Investing & Wealth Accumulation | Compounding, risk & return | Personal finance |
| Unit 13 · Large Purchases: Housing & Transportation | Renting, buying, autos | Personal finance |
| Unit 14 · Risk Management, Insurance & Consumer Rights | NC 50/100/50 + UM/UIM, fraud | Personal finance |
| Unit 15 · Capstone: Your Financial Plan | The full plan — presented & defended | Both |
Every NC EPF standard is taught at least once; the capstone integrates the personal-finance strands into one financial plan.
Built for North Carolina, not relabeled.
North Carolina law and North Carolina numbers — so the course fits a classroom in Charlotte as well as one in the mountains.
The combined build
A true both-halves course
Economics and personal finance taught as one connected year — not a finance class with an economics chapter bolted on the end.
Unit 7 · Taxes
North Carolina’s flat tax, taught with real numbers
North Carolina uses a flat income tax — 3.99% for 2026 — with no local income tax. Students compute a real Charlotte paycheck against the standard deduction, not a generic “your state” rate.
Unit 14 · Insurance
50/100/50 — and North Carolina’s 2025 rules
Unit 14 teaches North Carolina’s at-fault system with the 50/100/50 minimums and the UM/UIM-on-every-policy rule that took effect in July 2025.
Everywhere else
North Carolina-anchored by design
Career research, rent, and cost-of-living work point students at their own region, and Unit 6’s trade lesson anchors on the Port of Wilmington.
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 year — 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 structured outcome reports per cohort: a pre/post knowledge assessment (target ≥25-point gain), statement-level verification that all required LDOE 160345 topics were delivered, and capstone proficiency, completion, and teacher-satisfaction rates. At year 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.
North Carolina's first affected class graduates in 2028.
Those students are juniors now — districts are choosing curriculum this year.
Request the North Carolina 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 |
Founding-District Offer — Louisiana's class of 2028.
Districts are choosing curriculum for this mandate right now, and we're seeding a small first cohort of Louisiana partners. Sign on in this adoption cycle and take year one at the semester rate, or lock three years at about 20% off the full-year rate — as a founding partner, not a discount. Parish consortiums welcome.
Louisiana's class of 2028 is choosing a full-year course right now.
Let's talk about what this looks like for your district — founding-district terms available for the first Louisiana cohort.