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Correlation of Oklahoma’s Passport to Financial Literacy Standards with 
National Council on Economic Education Resources  

Standard 1 Standard 2 Standard 3 Standard 4 Standard 5
Standard 6 Standard 7 Standard 8 Standard 9 Standard 10
Standard 11 Standard 12 Standard 13 Standard 14  

Standard 1: The student will describe the importance of earning an income and explain how to manage personal income through the use of
a budget.


Resource: It Just Adds Up

Lesson 1 – Money: How Much Will It Buy?

Lesson 2 – Plotting Your Goals

Lesson 3 – Budgeting: Planning for the Future

Lesson 4 – Adjusting Your Actions

Lesson 5 – Building Human Capital

Lesson 6 – Earning an Income

Lesson 7 – Entrepreneurship

Lesson 21 – Budgeting: Planning for Special Purchases

Lesson 22 – Money: How Much Will It Buy?


Resource: Capstone: Exemplary Lessons for High School Economics
Unit 3:

Lesson 15 – Why Do Some People Earn More Than Others?

Lesson 17 – Creating and Using a Budget

Lesson 19  - Earning an Income

Resource: Choices and Changes in Life, School, and Work,         

Lesson 2 – Human Capital and Productivity

Lesson 4 – I Am Part of the Economy

Lesson 8 – My Human Capital

Lesson 12 – Long-Term Consequences:

Lesson 13 – A Job Application


Resource: Entrepreneurship and the US Economy:

Lesson 1 – What is an Entrepreneur?

Lesson 26 – Human Resource Management: The Entrepreneur’s Perspective

Lesson 35 – You and Entrepreneurial Skills

 
 Resource: Financial Fitness for Life, Going for the Gold (9-12) Teacher Guide
(Student Guide has activities for each of these lessons)

 Theme 1: There Is No Such Thing as a Free Lunch

          Lesson 1 – How to Really Be a Millionaire

          Lesson 2 – The Economic Way of Thinking

          Lesson 3 – Decision Making

 Theme 2: Education Pays Off: Learn Something (Earning Income)

         Lesson 4 – Job Application Process

         Lesson 5 – Making Your Own Job

         Lesson 6 – Why Some Jobs Pay More Than Others

Theme 5: Get a Plan: Get a Grip on Life

         Lesson 20 – Managing Your Money

 
 Resource: Financial Fitness for Life, Shaping Up Your Financial Future, (6-8)
Teacher Guide (Student Guide has activities for each of these lessons)

Theme 1: There Is No Such Thing as a Free Lunch

          Lesson 1 – The Economic Way of Thinking

          Lesson 2 – Consumer Decision Making

Theme 2: Education Pays Off: Learn Something

          Lesson 3 – Career Choice

          Lesson 4 – Productivity

          Lesson 5 – Why Stay in School?

Theme 5 – Money Management

          Lesson15 – Managing Cash


 Resource: Focus: High School Economics

Lesson 9 – Learn More, Earn More

 
Resource: Learning, Earning, and Investing

Lesson 3 – Invest in Yourself

Lesson 4 – Why Do People Go to School?

 
 Resource: Mathematics and Economics

Lesson 8 – Could You Earn a Million Dollars?

Lesson 12 – Charting a Budget


Resource: Master Curriculum Guide: Economics and Entrepreneurship

Lesson 2 – Can I  Be an Entrepreneur?

Lesson 3 – What Does the Entrepreneur Need to Know?

Lesson 12 – Profits and Entrepreneurship


 Resource: Personal Decision Making

Lesson 2 -  Applying a Decision-Making Model: Yu and Your Future

Lesson 3 – Planning and Goal Setting: Can You Get There from Here?

Lesson 4 – A Student’s Potential in the Labor Market: It’s a Matter of Supply and Demand

Lesson 6 – Financial Planning: Budgeting Your Financial Resources


Resource: The Great Economic Mysteries Book
Chapter 3

Lesson14 – Why Don’t All Students Study Hard at School?

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Standard 2: The student will identify and describe the impact of local, state, and federal taxes upon income and standard of living.

 
 Resource: It Just Adds Up

Lesson 19 – Income Taxes

Lesson 24 - Taxes Provide Public Goods and Services


Resource: Old MacDonald to Uncle Sam

Lesson 4 – Uncle Sam’s Checkbook.


Resource: Financial Fitness for Life, Bringing Home the Gold, 9-12
Teacher Guide: Theme 2

Lesson 7 – Uncle Sam Takes a Bite
 

Resource: Financial Fitness for Life, Shaping Up Your Financial Future, 6-8
Teacher Guide: Theme 5

Lesson 17 – What Taxes Affect You?

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Standard 3:  The student will describe the functions and uses of banks and other financial service providers.

Resource: Learning, Earning, and Investing

Lesson 9 – Banking

Lesson 10 – Banking Services

Lesson 11 – Financial Institutions


Resource: Financial Fitness for Life: Bringing Home the Gold, (9-12)
Theme 5,

Lesson 21, Banking Basics

 
Resource: Focus on Institutions and Markets

Lesson 4 – Financial Systems


 Resource: From Plan to Market: Teaching Ideas for Social Studies, Economics, and Business Classes

Lesson 7 – Why Middlemen Matter: The Role of Financial Institutions in a Market Economy.

Resource: Your Credit Counts Challenge

Section 2, Financial Institutions

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Standard 4:  The student will demonstrate the ability to balance a check book and reconcile financial accounts.


Resource: Financial Fitness for Life: Bringing Home the Gold (9-12)
Teacher Guide,  Theme 5

Lesson 21 – Banking Basics

The Activity Book which accompanies the Financial Fitness for Life Teacher Guide listed above has activities and illustrations, 21.2 – 21. 3 for Lesson 21.

 
 Resource: Financial Fitness for Life: Shaping Up Your Financial Future (6-8)
Teacher Guide, Theme 5

Lesson 16 – Choosing and Using a Checking Account

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Standard 5:  The student will analyze the costs and benefits of saving and investing.


Resource: It Just Adds Up

Lesson 2 – Plotting Your Future

Lesson 8 – Money: Let’s Trade

Lesson 11 – Borrowers and Lenders

Lesson 12 – Savings

Lesson 13 – Investing


 Resource: Capstone Teacher’s Guide
Unit 3

Lesson 16 – Making Choices about Saving and Investing


 Resource: Economics and the Environment,
Unit 4

Lesson 9 – Weighing the Pluses and the Minuses : Benefit-Cost Analysis

 
 Resource: Financial Fitness for Life, Bringing Home the Gold, (9-12)
Teacher Guide, Theme 3 – Tomorrow’s Money: Getting to the End of the Rainbow

Lesson 8 – What’s the Cost of Spending and Saving?

Lesson 9 – There is No Free Lunch in Investing

Lesson 10 – Investment Bingo


Resources: Financial Fitness for Life, Shaping Up Your Financial Future, (6-8)
Teacher Guide, Theme 3 – Saving

Lesson 6 – Why Save?

Lesson 7 – Types of Savings Plans

Lesson 8 – Who Pays and Who Receives?

Lesson 9 – Stocks and Mutual Funds

Lesson 10 – Let Lenders and Borrowers Be

Lesson 11 – Saving and Investing are Risky Business


Resource: Focus: Middle School Economics

Lesson 15 – Savers and Borrowers


Resource: Focus On Economics: Personal Decision Making

Lesson 6 – Financial Planning, Budgeting Your Financial Resources

Lesson 14 – Savings and Personal Investments: If You’re So Smart, Why Aren’t You Rich?


 Resource: Focus: High School Economics

Lesson 17 – Saving, Investing, and the Invisible Hand


Resource: Focus: Institutions and Market

Lesson 3 – Business Organizations

Lesson 4 – Financial Systems


Resource: Learning, Earning, and Investing
23 lessons on the following themes:

            Theme 1 – Basics of Financial Investing

            Theme 2 – The Markets

            Theme 3 – Financial Planning

            Theme 4 – The Markets and the Economy

 
 Resource: Math and Economics

Lesson 11 – Cash or Annuity

Lesson 14 – The Mathematics of Savings


Resource: Your Credit Counts Challenge
Teacher’s Guide

Section 5 – Strategies for Building Wealth

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Standard 6:  The student will explain and evaluate the importance of planning for retirement.

 
 Resource: Financial Fitness for Life, Bringing Home the Gold, (9-12)
Teacher Guide, Theme 3: Tomorrow’s Money: Getting to the End of the Rainbow

Lesson 8 – What Is the Cost of Spending and Saving?

Lesson 9 – There Is No Free Lunch in Investing

Lesson 10 – Investment Bingo


 Resources: Math and Economics: Connections for Life

Lesson 11 – Cash or Annuity

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Standard 7:  The student will identify the procedures and analyze the responsibilities of borrowing money.


Resource: It Just Adds Up

Lesson 27 – Major Purchases: Buying a Car


Resource: Financial Fitness for Life, Bringing Home the Gold, (9-12)
Teacher Guide, Theme 4: Spending and Credit Are Serious Business

Lesson 11 – What Is Credit?

Lesson 12 – Making Credit Choices

Lesson 13 – Applying for Credit

Lesson 14 -  All About Interest

Lesson 15 – Shopping for a Credit Card

Lesson 16 – Shopping for a Mortgage

Lesson 17 – Shopping for an Auto Loan


Resource: Financial Fitness for Life, Shaping Up Your Financial Future, (6-8)
Teacher Guide, Theme 4: Spending and Using Credit

Lesson 12 – Cash or Credit?

Lesson 13 – Establishing Credit

Lesson 14 – Comparison Shopping


Resource: Middle School Economics

Lesson 15 – Savers and Borrowers.

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Standard 8:  The student will describe and explain interest, credit cards, and online commerce.

 
 Resource: It Just Adds Up

Lesson 14 – Consumer Credit

Lesson 15 – Consumer Credit Cards

Lesson 16 – Online Shopping

Lesson 23 – Cellular Phone Service


 Resource: Capstone
Unit 3

Lesson 18 – Credit Management


Resource: Financial Fitness for Life, Bringing Home the Gold, (9-12)
Teacher Guide, Theme 4 – Spending and Credit Are Serious Business

Lesson 11 – What Is Credit?

Lesson 12 – Making Credit Choices

Lesson 13 - Applying for Credit

Lesson 14 – All About Interest

Lesson 115 – Shopping for a Credit Card


Resource: Financial Fitness for Life, Shaping Up Your Financial Future, (6-8)
Teacher Guide, Theme 4 – Spending and Using Credit

Lesson 12 – Cash or Credit?

Lesson 13 – Establishing Credit

Lesson 14 – Comparison Shopping


Resource: Great Economics Mysteries Book
Chapter 3

Lesson 2 – The Credit Card Mystery


Resource: Math and Economics

Lesson 15 – The Mathematics of Credit Card Interest and Fixed Payments


Resource: Personal Decision Making: Focus on Economics

Lesson 10 – Consumer Credit: Buy Now, Pay Later, and More

 
Resource: Your Credit Counts Challenge

Section 3 – Managing Credit

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Standard 9:  The student will identify and explain consumer fraud and identify theft.


 Resource: It Just Adds Up:

Lesson 17 – Protecting Your Identity

Resource: Financial Fitness for Life, Bringing Home the Gold, (9-12)
Teacher Guide

Lesson 18 – Consumer Credit Protection

Lesson 19 – Scams and Schemes

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Standard 10:  The student will explain and compare the responsibilities of renting versus buying a home.


Resource: Financial Fitness for Life, Bringing Home the Gold, (9-12)
 Teacher Guide

Lesson 16 – Shopping for a Mortgage


 Resource: Focus on Personal Decision Making

Lesson 11 – Housing: Deciding to Rent or Buy.


Resource: Your Credit Count Challenge:

Section 4 – A Roof Over Your Head.

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Standard 11:  The students will describe and explain how various types of insurance can be used to manage risk.


Resource: It Just Adds Up

Lesson 18 – Insurance: Managing Your Risk


Resource: Virtual Economics Insurance Lessons

Lesson 1 – Why Insurance and How Does It Work?

Lesson 2 - The Basics of Life Insurance

Lesson 3 – Everything You Ever Wanted to Know About Automobile Insurance

Lesson 4 – Why Renter’s Insurance?


Resource: Financial Fitness for Life, Bringing Home the Gold (9-12)
Teacher Guide, Theme 5

Lesson 22 – Managing Risk: The Good News about Insurance.

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Standard 12:  The student will explain and evaluate the financial impact and consequences of gambling.

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Standard 13:  The student will evaluate the consequences of bankruptcy.

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Standard 14:  The student will explain the costs and benefits of charitable giving.


Resource: It Just Adds Up

Lesson 14 – Charitable Contributions: Giving to Others 

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Resources Available from the
National Council on Economic Education
 on the Virtual Economics CD

  

Capstone: Exemplary Lessons for High School Economics,
Teacher’s Guide and Student Activities, 2003

Choices and Changes in Life, School. And Work, 2002

Economics and the Environment, 1996

Entrepreneurship and the US Economy, 1994

      Financial Fitness for Life: Bringing Home the Gold
Teacher Guide and Student Activity Book, Grades 9-12, 2001

 

      Financial Fitness for Life: Shaping Up Your Financial Future
Teacher Guide and Student Activity Book, Grades 6-8. 2001

 

      Financial Fitness for Life: Talking to Your Kids about Personal Finance
An Activity-Based Guide for Parents,  2001

Focus on Economics: Personal Decision Making, 1998

Focus on Institutions and Markets, 2003

Focus: High School Economics,  2003

Focus: Middle School Economics, 1996

From Plan to Market: Teaching Ideas for Social Studies, Economics, and Business Classes, 2000

Learning, Earning, and Investing, 2004

Master Curriculum Guide: Economics and Entrepreneurship

Mathematics and Economics, Connections for Life,  2001

Old MacDonald to Uncle Sam, 2002,

Personal Decision Making,1996

The Great Economics Mysteries Book: A Guide to Teaching Economic Reasoning, 2000

Your Credit Counts Challenge, Virtual Economics

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