Next Level Money is a complete 5-unit financial literacy curriculum designed for grades 8–12. Every lesson is teacher-ready, standards-aligned, and built around the skills students will use for the rest of their lives.
Whether you’re a classroom teacher navigating a new state mandate, a homeschool family building a rigorous curriculum, or a district leader looking for scalable professional resources — Next Level Money delivers.
Under HB 149 / SB 220, all Georgia students in grades 9–12 must complete a personal finance course to graduate. Next Level Money is fully aligned to every required GA PFL domain and ready to use on day one.
Each unit is an instant PDF download — a complete package including the Teacher Guide, Worksheet Packet (color + print-ready), Answer Key, and Standards Alignment chart. You distribute digitally or print on your end.
Pacing guides included for advisory periods (25–30 min), semester electives (50 min), and full-year courses. Differentiation strategies are embedded throughout every lesson.
Formative exit tickets are embedded in every lesson. A full Assessment Bank is included at the course level for summative or test-prep use.
Each lesson includes open-ended discussion prompts and real-world scenarios. Students engage with actual pay stubs, credit reports, tax forms, and bank statements.
Each lesson follows a consistent format with a warm-up, instruction notes, discussion questions, and activity. Facilitation notes explain the “why” behind each concept so you can teach it confidently.
Fully aligned to Georgia’s HB 149 personal finance requirement and national NGPF standards. Documentation included for your portfolio or compliance records.
Covers budgeting, banking, credit, taxes, investing, and insurance — the skills your teen will use within the next few years, taught in a clear and engaging sequence.
Use individual units independently or pace as a semester or full-year course. Download your PDFs and work through them on your own schedule.
Site licenses and district-wide agreements are available for schools preparing to meet the HB 149 personal finance graduation mandate. Contact us for volume pricing and professional development options.
Detailed alignment charts map every lesson to GA PFL, NGPF, and ASCA standards — everything curriculum coordinators and administrators need for compliance review.
A scripted facilitation structure ensures every teacher in your district delivers the same quality experience, regardless of prior personal finance background.
Built by a 20-year classroom veteran. Facilitation notes are detailed enough that teachers with no personal finance background can deliver high-quality instruction on day one.
All materials are delivered as PDFs. Districts distribute to teachers digitally or via their LMS — no shipping, no inventory, no delays. Site licenses cover multi-teacher and campus-wide use.
Each unit is a self-contained module with 7 lessons covering one major domain of personal finance. Units build on each other — or can stand alone.
The course opens by addressing money psychology before introducing numbers. Students examine their money stories, set SMART financial goals, and build a working personal budget — the skill they’ll use every year of their adult lives.
Students move from understanding what money they have to understanding where it lives and how it grows. By the end, they can open, manage, and protect a real bank account — and make it work for them.
The unit students remember. By the end, students know exactly how credit scores are built, how debt compounds against them, how predatory lenders operate — and how to start building a strong credit foundation from zero.
The topic most adults wish they had learned in school. Students decode their first paycheck, fill out a W-4, complete a basic tax return, and learn legal strategies to keep more of what they earn.
The capstone. Students build a personal 10-year financial plan and write a letter to their future self. This is where financial habits become a financial life.
Every unit is a complete digital package. Download, open, and teach — no assembly required. You print or distribute digitally on your end.
Complete lesson plans with warm-ups, instruction notes, discussion questions, exit tickets, and facilitation tips for every lesson.
Student-facing worksheets for every lesson in two PDF editions: full-color for digital use, and black-and-white print-ready for copying.
Complete answer keys for every worksheet so grading and review is fast and consistent across every teacher and section.
A full bank of additional assessment items at the course level — formative checks, summative options, and test-prep prompts.
Full mapping of every lesson to Georgia HB 149 PFL standards, NGPF benchmarks, and ASCA standards — ready for administrator review.
Pre-built pacing for advisory periods, semester electives, and full-year formats. Flexible enough to fit any school calendar.
Next Level Money aligns to Georgia’s personal finance graduation requirement (HB 149 / SB 220) and national NGPF standards. Full documentation included for curriculum coordinators.
| Unit | Title | GA Standard(s) | Lessons |
|---|---|---|---|
| 1 | Money Mindset & Budgeting | PFL.MM.1PFL.B.1 | 7 |
| 2 | Banking, Saving & Interest | PFL.B.2PFL.CR.2 | 7 |
| 3 | Credit, Debt & Borrowing | PFL.CR.1PFL.CR.2 | 7 |
| 4 | Income, Taxes & Paychecks | PFL.T.1 | 7 |
| 5 | Financial Planning & Future Wealth | PFL.MM.1PFL.CR.2 | 7 |
Purchase individual units to pilot a topic, or get the full curriculum at a significant discount. All purchases are instant digital downloads — PDF files delivered immediately.
All purchases include a single-classroom (or single-family) license for ongoing use. For multi-classroom or school-wide use, please contact us for site licensing. Questions? Email info@nlaready.com
Still have questions? Reach out at info@nlaready.com and we’ll respond within one business day.
Developed by a 20-year classroom veteran with Gifted endorsement, Reading endorsement, and Department Chair experience in both middle and high school settings.
Everything you need to teach financial literacy confidently — standards-aligned, teacher-ready, and built for the way real classrooms work.