Your Next Chapter™

A complete, portfolio-based personal finance curriculum
Grades 9–12 · 0.5 Credit · Michigan Merit Curriculum aligned

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 Unit 7, 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

  • MDE area - Earning Income

    Portfolio artifact - Income & Career Snapshot

  • MDE area - Buying Goods & Services

    Portfolio artifact - Spending Values Map

  • MDE area - Budgeting & Saving

    Portfolio artifact - First- Year Budget Draft

  • MDE area - Using Credit

    Portfolio artifact - Credit & Debit Strategy

  • MDE area - Investing

    Portfolio artifact - Investment Starter Plan

  • MDE area - Managing Risk

    Portfolio artifact - Risk Protection Checklist

  • MDE area - Financial Decision Making

    Portfolio artifact - Next Chapter Financial Plan (Capstone)

Four Life Transition Tracks

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.

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.

Everything a district needs.

Nothing left to build.

  • 7 units · 28 lesson plans · 42 student handouts · 7 portfolio artifacts

  • Complete student book per unit with cover, vocab, handouts, and artifact templatetext goes here

  • Rubric · Exit ticket protocol · Peer review · Formative flag guide

  • Item desc8-week onboarding guide · Unit briefings · Coaching question library.

  • 87-term glossary · Formulas sheet · Portfolio tracker · Syllabus

  • Parent guide · 5 kitchen-table conversation starters

  • State alignment guide(s) · MDE matrix · Compliance documentation

  • District license agreement · Completion certificate

Built for Michigan.

Documented for Ohio and Wisconsin.

Template-ready for any state.

Michigan

Statement-by-statement mapping of all 7 content areas across all 28 lessons. Ready to present to your board.

Ohio

Ohio Senate Bill 1 (2021) — 26 of 26 required financial literacy statements covered. 5 supplemental materials for remaining statements (~75 additional minutes of instruction). Fully documented. 

Wisconsin

Wisconsin Act 60 (2023) — All 6 strands covered. 1 short supplement (20 minutes) for cognitive biases and digital literacy. 

Pricing

Tier

Enrollment

Annual Fee

Per-Student Equivalent

Tier 1

Tier 3

Tier 5

Up to 150 Students

$2,000 / year

Tier 2

151 - 500 Students

$4,500 / year

~$9 - 30/student

Tier 4

501 - 1,500 Students

1,501 - 5,000 Students

5,001 +? Consortium

$9,500 / year

$18,000 / year

Custom Pricing

~ $13/student

~$6 - 19/student

~$4 - 12/student

Contact us

Professional Development onsite beyond orientation: $2,500 - $4,000 per day, plus reasonable travel expenses and lodging. Tier 4-5 licensees get one on-site PD day per year included in the licensing fee.
For States beyond Michigan, Ohio and Wisconsin an additional $500 fee.
Discounts available on 2 and 3 year terms licenses.
Build vs License: A 3-year license costs less than one month of a curriculum writer’s salary - and is ready to deploy immediately.

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.