Entries by Naiomi

Video Project

CYF Modules Video Project Download Here or click through below:

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Module 5

Risky Business: Investing and the Stock Market What’s the best way to invest? Is it better to day trade or invest for the long term? Is it safer to invest in one stock or many? What’s the best that can happen? What’s the worst that can happen and how likely is it? How can you […]

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FiCycle Standards for Personal Finance and Mathematics

To read our proposed standards download here or click through the full standards below. We are seeking public comment on our standards until March 1, 2024. If you would like to provide feedback, please complete this survey. Compare our standards to national standards in financial literacy here.  


Projects Project Workbook: Project Workbook Rubric Materials: Rubric Teacher Guidelines FiCycle General Project Rubric Unit 1 Project Rubric Materials to Practice Projects: Unit 1 Project Practice Spreadsheet Unit 1 Project Practice Spreadsheet *Answers Unit 1 Projects: Sara (Returning to College) Materials: Project 1.1 Financial Statements Template 1.1 Integrated Project *Sample Answer Marco (Managing Student Loans) […]

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What is Debt?

What is credit?  What is debt? “Once I was the credit to my credit card. Spent what I hadn’t got, wasn’t hard.” — Peter Gabriel, Waiting for the Big One. While we have previously discussed money, an asset, here we focus on the liability side of the balance sheet. Many of the words to describe […]


What is Money

With a rapidly changing financial system, even a simple question like, ‘what is money?’ can become complex. With new financial apps and rise and fall of various flavors of digital currency, it seems that anything or maybe everything could be money. Abstractly, one can think of money as a medium that stores value that is […]