West Virginia · WV Code § 18-2-7c
West Virginia now requires personal finance to graduate.
Here's the course built to teach it.
Your Next Chapter™ is a complete, standards-aligned personal finance course built by a CFP® — mapped statement by statement to West Virginia's content standards.
Ready to deploy in 2–4 weeks.
West Virginia's law, stated exactly.
Under WV Code § 18-2-7c, every student must complete a course of study in personal finance as a requirement for high school graduation, beginning with the class entering 9th grade in the 2024–25 school year — the class of 2028. It's taken in grade 11 or 12, and West Virginia moved it out of a civics-embedded unit into a dedicated standalone course with its own state content standards.
WV Code § 18-2-7c · WVDE Content Standards · First affected class of 2028A dedicated course — not buried in another one.
This is the important shift: West Virginia moved personal finance out of a civics-embedded unit and made it a standalone course. Students get a real semester on their own money, not a couple of weeks folded into something else. That's exactly the course this curriculum was built to be.
Built to the state's own standards.
The West Virginia Board of Education developed content standards and implementation guidance for the course — so districts can hold any curriculum against a real state list. Your Next Chapter™ maps to it statement by statement, from the current WVDE standards.
Flexible on who teaches it.
West Virginia's guidance lets the course be delivered through qualifying licensed teachers and aligns the standards across traditional and CTE pathways — so it fits however your building staffs it. Our Teacher Onboarding Guide is written for exactly that range.
The time is now.
The first affected class graduates in 2028 — the students in your building today. The course has to be running this year.
Standards crosswalk
Aligned to West Virginia's personal finance content standards — built to the national benchmark they draw from.
| # | 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 — the national benchmark West Virginia's course standards are drawn from. The full statement-by-statement crosswalk to the WVDE content standards is included in the sample package.
Built for West Virginia, not relabeled.
West Virginia tax law and West Virginia numbers, taught for real — everything else pointed at the student's own community by design.
West Virginia's graduated income tax — verified yearly.
Unit 1 computes West Virginia's own graduated rate (about 2.1%–4.58% for 2026). The top rate is stepping down on a legislated schedule — it fell from 4.82% to 4.58% this year — so we re-verify it every year rather than assume last year's number held.
The flat weekly "city service fee" most adults miss.
Cities like Charleston, Huntington, Morgantown, and Weirton charge a flat weekly service fee — Huntington's is $5 a week — on everyone who works inside city limits, no matter where they live. Take a job in Huntington and it comes out whether you live there or an hour away. Students learn to find it on a real paycheck.
At-fault, taught as a real decision.
Unit 6 teaches West Virginia's at-fault system and the real 25/50/25 minimums, framed around the decision students actually face — is the state minimum actually enough? — not a generic "buy insurance" lesson.
West Virginia-neutral by design.
Career, rent, and cost-of-living work point students at their own county and nearest town — a student in the Eastern Panhandle and one in the southern coalfields 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), statement-level verification that all of West Virginia's personal finance content standards 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.
West Virginia's first affected class graduates in 2028.
The students in your building today — let's talk about what this looks like for your district.
Request the West Virginia 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 |