Your Next Chapter™
A complete, portfolio-based personal finance curriculum for Grades 9 - 12
Students don't complete worksheets.
They build a real financial plan.
Each of the first six units produces one portfolio artifact — a real document the student will actually use after graduation. In the capstone, all six artifacts are assembled, stress-tested against three disruption scenarios, and presented to peers. The result is a complete personal financial plan for the student's chosen life transition after high school.
The Seven Units
Your Story, Your Income
Spending with Intention
Building Your Foundation
Borrowing Wisely
Growing What You Have
Protecting What Matters
Designing Your Next Chapter
Students choose their track on Day 1. The track becomes the lens for every artifact they build across the semester - career research, budget assumptions, debt planning, and investment projections all reflect their specific path.
Five Life Transition Tracks
College
University - Community College - Graduate School
Student income is limited while you focus on credentials. The biggest financial decision happens at enrollment — how much you're borrowing, and what that number means month by month.
Career Launch
First Full-Time Job Entry-Level - Benefits
You have a paycheck, a benefits enrollment window, and a first lease to sign — all in the first 90 days. The calendar moves fast and the decisions compound.
Skilled Trades
Apprenticeship - Union - Journeyperson
You earn while you learn. Year 1 wages are lower than your journeyperson ceiling — but the trajectory and debt picture look very different from the college track.
Entrepreneurship
Side Hustle - Small Business - Self Employment
Income is variable. You pay both sides of FICA. Health insurance is self-sourced. The upside is real — and so is the complexity of managing cash flow month to month.
Military
Enlistment - Active Duty - Guard & Reserve
Base pay is taxable, but housing and food allowances are not. Healthcare, insurance, and a retirement match come with the job — so the skill isn't covering the basics, it's making pay that goes further work harder.
Everything a district needs.
Nothing left to build.
Curriculum Core
7 units · 28 lesson plans · 42 student handouts · 7 portfolio artifacts
Student Books
Complete student book per unit — cover, vocabulary, handouts, and artifact template
Assessment Tools
Rubric · exit-ticket protocol · peer review · formative-flag guide
Teacher Support
8-week onboarding guide · unit briefings · coaching-question library
Student Reference
87-term glossary · formula sheet · portfolio tracker · syllabus
Family Engagement
Parent guide · 5 kitchen-table conversation starters
Standards Docs
Board-ready crosswalk mapped statement-by-statement to your state's standards
Business Documents
District license agreement · completion certificate
Built for your state.
Template-ready for any state.
Michigan
SemesterWisconsin
SemesterMinnesota
SemesterWest Virginia
SemesterIndiana
Full yearLouisiana
Full yearGeorgia
SemesterVirginia
Full yearNorth Carolina
Full yearPricing — 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 |
See the curriculum before you commit.
We’ll send you the complete unit 1 package - lesson plans, student book, all handouts, and your state’s alignment documentation. No charge, no obligation.