Wisconsin · 2023 Act 60
Wisconsin requires a standalone personal finance course to graduate.
Here's the one built to teach all of it — mindset included.
Your Next Chapter™ is aligned to all six strands of Wisconsin's Personal Financial Literacy standards — including Financial Mindset, the strand a worksheet can't teach — built by a CFP®.
Ready to deploy in 2–4 weeks.
Wisconsin's law, stated exactly.
Under 2023 Wisconsin Act 60, every student must complete a half-credit standalone course in personal financial literacy to graduate, beginning with the class of 2028. It's additive — Wisconsin raised total graduation credits from 15 to 15.5 to make room for it — and the credit must be a dedicated standalone course that cannot be embedded in social studies, math, or another class. The course maps to all six strands of the 2020 Wisconsin Standards for Personal Financial Literacy.
2023 Wisconsin Act 60 · Wisconsin DPI PFL Standards (2020)It has to be a real course — it can't be buried.
The credit must be a dedicated standalone course and cannot be embedded in social studies, math, or another class. An AP business course doesn't satisfy it either. So a district can't route around it — it has to adopt an actual personal-finance curriculum. This is that curriculum.
Additive, not a trade-off.
Wisconsin didn't make students give up an elective — it raised total graduation credits from 15 to 15.5 to create the room. The half-credit is genuinely new instructional time, which is exactly what a real course needs.
Flexible on who teaches it.
Wisconsin lets the course be taught by Business & Information Technology, Family & Consumer Sciences, or Social Studies/Economics teachers — Act 60 adds no new licensing hurdle. Our Teacher Onboarding Guide is written for exactly that range.
The time is now.
The first affected class graduates in 2027–28 — the students in your building today. The course has to be running this year.
Standards crosswalk
Aligned to all six strands of the Wisconsin Standards for Personal Financial Literacy.
| Strand | WI Personal Financial Literacy strand | Your Next Chapter™ unit |
|---|---|---|
| FM | Financial Mindset | Woven — Unit 2 + Unit 7 capstone |
| EE | Education and Employment | Unit 1 — Your Story, Your Income |
| MM | Money Management | Units 2 & 3 — Spending & Budgeting |
| SI | Saving and Investing | Units 3 & 5 — Foundation & Investing |
| CD | Credit and Debt | Unit 4 — Borrowing Wisely |
| RMI | Risk Management and Insurance | Unit 6 — Protecting What Matters |
Mapped to all six strands of the 2020 Wisconsin Standards for Personal Financial Literacy (DPI). Wisconsin organizes its standards by strand and learning priority rather than numbered statements, so the mapping is strand-level; the full committee crosswalk is included in the sample package.
Built for Wisconsin, not relabeled.
Wisconsin's own standards and Wisconsin numbers, taught for real — everything else pointed at the student's own community by design.
The strand a bank program can't teach.
Wisconsin is one of the few states whose standards include Financial Mindset — values, financial psychology, goals, and giving. It's the heart of this course: the "picture one ordinary Tuesday at 25" exercise, the values map students build before they assign a single dollar. A free in-school bank branch or an AP business course can cover accounts and interest; neither is built to teach a student what they actually want their money for. That's the wedge — and it's Strand 1.
Wisconsin's graduated tax, computed for real.
Unit 1 uses Wisconsin's actual 2026 graduated brackets (3.50% to 7.65%) and the sliding-scale standard deduction — not the frozen withholding tables most people never look past — with a teacher note explaining the difference between what's withheld and what's actually owed. And because Wisconsin has no local income tax anywhere, students get the cleanest paycheck math of any state.
At-fault, taught as a real decision.
Unit 6 teaches Wisconsin's at-fault system and the real 25/50/10 minimums, plus the wrinkles that matter — uninsured-motorist coverage is required, underinsured is yours to accept or reject — framed around the question students actually face: is the state minimum actually enough?
Wisconsin-neutral by design.
Career, rent, and cost-of-living work point students at their own county and nearest city — a student in Milwaukee and one in a Northwoods district 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), strand-level verification that all six Wisconsin PFL strands 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.
Wisconsin's first affected class graduates in 2027–28.
Let's talk about what this looks like for your district.
Request the Wisconsin 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 |