# FiCycle Math

> High School Curriculum for Financial Literacy Education

FiCycle Math is a financial-literacy mathematics curriculum and teacher community. The site hosts course materials, professional development resources, blog content, and partner programs (including LAUSD staff access via SSO at https://ficycle.org/lausd/).

## Sitemaps

- [XML Sitemap](https://ficycle.org/sitemap_index.xml) - Full site sitemap index

## Pages

- [Access FiCycle Math](https://ficycle.org/access-ficycle-math/)
- [New York State Implementation](https://ficycle.org/nys-fined/)
- [FCAC Overview](https://ficycle.org/fcac-overview/)
- [Home](https://ficycle.org/)
- [FiCycle in the News](https://ficycle.org/news/)
- [Career Chats](https://ficycle.org/career-chats/) - FiCycle Career Chats For teachers using CYF Modules or FiCycle Math What is a Career Chat? FiCycle Career Chats brings a financial professional — such as an accountant, actuary, or wealth manager...
- [FCAC Members](https://ficycle.org/fcac-members/) - Financial Career Advisory Council We are so grateful for every professional and firm helping us connect classroom mathematics to high-impact professional careers. The purpose of the council is to p...
- [Credit Scores Form](https://ficycle.org/credit-scores-form/)
- [CYF Modules: Calculate Your Future](https://ficycle.org/cyf-modules-calculate-your-future/)
- [LAUSD](https://ficycle.org/lausd/) - Los Angeles Unified School District
- [Credit Scores Data Science Project (In Development)](https://ficycle.org/credit-scores-project-dev/) - Credit Scores Data Science Project (In Development) Thank you for choosing to try our new project while it is still in development. The Credit Scores Data Science Project uses financial modeling an...
- [FiCycle LOGs™](https://ficycle.org/ficycle-logs/)
- [FiCycle LOGs Patent Information](https://ficycle.org/pat/) - FiCycle LOGs Patent Information Financial Life Cycle Education Corp., dba FiCycle, is a leading provider of financial math curriculum, training, and support to math educators.This page is intended ...
- [Legal](https://ficycle.org/legal/) - Legal Patents Financial Life Cycle Education Corp., dba FiCycle, is a leading provider of financial math curriculum, training, and support to math educators.This page is intended to serve as notice...
- [My account](https://ficycle.org/my-account/) - Don’t have access to FiCycle Math? Learn how to gain access here  
- [No Access](https://ficycle.org/no-access/)
- [Our Team](https://ficycle.org/our-team/)
- [Open Letter to the Financial Education and Mathematics Community](https://ficycle.org/open-letter/) - FiCycle’s Open Letter to the Financial Education and Mathematics Community Click through below to read the full letter: References: FiCycle letter to NYS Board of Regents Book | Fixed: Why Pe...
- [Interactive Galton Board](https://ficycle.org/galton-board/)
- [Login Guide](https://ficycle.org/login-guide/) - You can access all of the course materials through our website! Register / Log In / Access your account here: https://ficycle.org/ficycle-mathematics-course-new/ This website was created to make yo...
- [FiCycle’s Letter Supporting NY Personal Finance Proposal](https://ficycle.org/ny-pf-letter/) - FiCycle’s Letter Supporting the Proposed Amendment for the NY Personal Finance Education Requirement Click through below to read the full letter:  
- [For Teachers](https://ficycle.org/for-teachers/)
- [FiCycle Math Curriculum](https://ficycle.org/ficycle-math-curriculum/)
- [Workbooks](https://ficycle.org/workbooks/)
- [Contact Us](https://ficycle.org/contact-us/)
- [FiCycle Our Mission](https://ficycle.org/our-mission/)
- [Lesson BNPL](https://ficycle.org/lesson-bnpl/)
- [Free Course (NEW!)](https://ficycle.org/cyf-modules/) - Welcome to FiCycle! FiCycle combines finance and mathematics into free lessons, modules, and a full Algebra course to promote effective financial education that empowers students to take control of...
- [The FiCycle Podcast](https://ficycle.org/podcast/)
- [Teacher Spreadsheet Challenge 2025](https://ficycle.org/tsc25/) - ** This contest is now over ** Join the First-Ever Teacher Spreadsheet Challenge at NCTM 2025! Are you the teacher who helps others with spreadsheets? Do you like spreadsheets more than graphing ca...
- [Unsubscribe](https://ficycle.org/unsubscribe/) - This will stop all emails from FiCycle.
- [Free FiCycle Math and Finance Lessons For Teachers](https://ficycle.org/free-ficycle-lessons-for-teachers/)
- [Donate](https://ficycle.org/donations/) - Let’s bring effective financial education to all schools Preparing our students with the necessary skills and understanding to navigate their financial lives is essential for their well-being...
- [Welcome](https://ficycle.org/welcome/) - Welcome to FiCycle! FiCycle combines finance and mathematics into free lessons, modules, and a full Algebra course to promote effective financial education that empowers students to take control of...
- [Ten Year Celebration](https://ficycle.org/ten-year-celebration/) - Within the past ten years, we have reached tens of thousands of students across the globe, promoting the integration of math and finance—and we are so excited to celebrate! On March 27th from 5:3...
- [Lesson: Retirement & Taxes](https://ficycle.org/lesson-retirement-taxes/)
- [Download Confirmation: Retirement & Taxes](https://ficycle.org/download-confirmation-retirement-taxes/) - Thank you! Download the Pt 1 Lesson here Download the Pt 1 Answer Key here. Download the Pt 2 Lesson here Download the Pt 2 Answer Key here.
- [For School Leaders](https://ficycle.org/for-school-leaders/)
- [Adoption Agreement](https://ficycle.org/adoption-agreement/) - Adoption Agreement Download
- [Download Confirmation](https://ficycle.org/download-confirmation/) - You’ve got mail! An email has been sent with instructions on how to download the materials. Please be sure to check your spam folder! 
- [Download Report](https://ficycle.org/download-report/)
- [FiCycle Math Research](https://ficycle.org/math-research/)
- [FiCycle Mathematics Course (NEW!)](https://ficycle.org/ficycle-mathematics-course-new/) - Welcome to FiCycle! FiCycle combines finance and mathematics into an interesting course that empowers students to take control of their financial lives through the use of mathematics. This document...
- [Request Info Session / Contact](https://ficycle.org/request-info-session-contact-2/)
- [Request Info Session / Contact](https://ficycle.org/request-info-session-contact/)
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- [Teacher Inquiry Page](https://ficycle.org/teacher-inquiry-page/)
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- [Shop](https://ficycle.org/shop/) - SHOP
- [Schools Inquiry](https://ficycle.org/schools-inquiry/)
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- [Lesson: Wealth Not Cash](https://ficycle.org/lesson-wealth-not-cash/)
- [LOGs Instructional Materials](https://ficycle.org/logs-instructional-materials/)
- [LOGs Instructional Materials Downloads](https://ficycle.org/logs-instructional-materials-downloads/)
- [Lesson: A FiCycle Analysis of Gamestop](https://ficycle.org/lesson-a-ficycle-analysis-of-gamestop/)
- [FiCycle Quizzes](https://ficycle.org/ficycle-quizzes/)
- [FAQs](https://ficycle.org/faq/)
- [Donor Dashboard](https://ficycle.org/donor-dashboard/) - [give_donor_dashboard]
- [Donation Confirmation](https://ficycle.org/donation-confirmation/) - [give_receipt]
- [Donor Dashboard](https://ficycle.org/donor-dashboard-2/) - [give_donor_dashboard]
- [Donor Dashboard](https://ficycle.org/donor-dashboard-3/) - [give_donor_dashboard]
- [Courses](https://ficycle.org/courses/)
- [Donate](https://ficycle.org/donate/)
- [Compound Interest and Your Financial Life Cycle](https://ficycle.org/compound-interest-and-your-financial-life-cycle/)
- [Conference Links](https://ficycle.org/conference/)
- [Checkout](https://ficycle.org/checkout/)
- [Cart](https://ficycle.org/cart/)
- [Blog](https://ficycle.org/insights/)
- [Ambassadors](https://ficycle.org/ambassadors/)
- [A FiCycle Analysis of Gamestop](https://ficycle.org/a-ficycle-analysis-of-gamestop/)
- [Additional Education Research](https://ficycle.org/additional-education-research/)

## Blog Posts

- [Unit 1](https://ficycle.org/unit-1-keeping-score/) - Keeping Score Many students often make the mistake of believing that their financial state is solely determined by the cash they carry in their wallet or the funds available in their bank account. ...
- [Upload Adoption Agreement](https://ficycle.org/upload-adoption-agreement/) - If you haven’t already: Click here to download the FiCycle Math Adoption Agreement  Click here to download the district/multi-school FiCycle Math Adoption Agreement    Upload Completed...
- [Financial Research Sites](https://ficycle.org/financial-research-sites/) - Financial Research Sites In this course, you will have to research real financial products. This is practice for the real world, where you don’t just have to understand the financial products, yo...
- [Pacing Guide (Includes NYS FinEd Implementation Docs)](https://ficycle.org/workbook/) - Course Tracks I. FiCycle – Full Course a. Prerequisites: Algebra I, Algebra II (Although it is not necessary to be strong in all Alg II topics) b. Teaches all topics from the FiCycle curriculum U...
- [Unit 2](https://ficycle.org/unit-2-earning-interest/) - Earning Interest Intro Video Unit 2 Intro Video Workbook Unit 2 Unit Plan Unit 2 Workbook Unit 2 Answer Key Materials Topic 1 Materials Unit 2 Topic 1 Quiz Extensions & Supplemental Materials: ...
- [Unit 3](https://ficycle.org/projects/) - Regular Payments Intro Video Unit 3 Intro Video Workbook Unit 3 Unit Plan Unit 3 Workbook Unit 3 Answer Key Materials Topic 1 Materials (Spreadsheet) Unit 3 Topic 1 Sequences in Spreadsheets (Sprea...
- [Unit 5](https://ficycle.org/unit-5/) - Risk and the Stock Market Intro Video Unit 5 Intro Video Unit Plan & Workbook  Unit 5 Unit Plan Unit 5 Workbook Unit 5 Answer Key Materials Topic 1 Materials Unit 5 Topic 1 Quiz Topic 2 Materi...
- [Unit 4](https://ficycle.org/unit-4/) - Expected Value and Insurance Intro Video Unit 4 Intro Video Unit Plan & Workbook  Unit 4 Unit Plan Unit 4 Workbook Unit 4 Answer Key Materials Topic 1 Materials Unit 4 Topic 1 Quiz Topic 2 Mat...
- [Am I My Credit Score?](https://ficycle.org/am-i-my-credit-score/) - Data Science and Credit Scores: Connecting Math to Personal Finance Watch the four part video series where FiCycle Founder, Andy Davidson, explains how financial modeling can be used to calculate c...
- [Projects](https://ficycle.org/projects-2/) - 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 ...
- [Module 5](https://ficycle.org/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 ...
- [Module 4](https://ficycle.org/module-4/) - Soothsaying: Expected Value & Insurance Should you insure your fancy new phone? What about life insurance? How do casinos survive? What makes something a good bet? In this section, we will lear...
- [Module 2](https://ficycle.org/module-2/) - Interest & Percent Growth This module will introduce the concept of wealth to support students’ basic understanding of finding the percent of a number and build on that understanding to devel...
- [Video Project](https://ficycle.org/video-project/) - CYF Modules Video Project Download Here or click through below: This post is only available to members.
- [Finance is Math](https://ficycle.org/finance-is-math/)
- [FiCycle’s Contestimonial](https://ficycle.org/ficycles-contestimonial/) - ** This contest is now over ** This school year marks FiCycle’s 10 Year Anniversary! We want to celebrate by giving you the mic to let us know how FiCycle has impacted you! Take a video letti...
- [Spreadsheet Challenge](https://ficycle.org/spreadsheet-challenge/) - **This contest is now over** Click to learn more and sign up for the first teacher spreadsheet competition ever: Spreadsheet Challenge 2025
- [Course Outline](https://ficycle.org/course-overview/) - Welcome to FiCycle Math! Course Outline Contents: 1. Introduction to the Course 2. Guide to the Course Materials 3. Getting Organized to Teach the Course 4. Snapshot Scope and Sequence 5. Common Co...
- [Midterm & Final Examination](https://ficycle.org/midterm-final-examination/) - Midterm & Final Problem Banks: Exam Problems – Units 1, 2, 3 ^ Unit 1 #9 *Answer Exam Problems – Units 4, 5 This post is only available to members.
- [Module 1](https://ficycle.org/module-1/) - Wealth Not Cash This module introduces students to the fundamental concepts in finance, teaching them to understand financial wellbeing in terms of wealth, rather than simply cash. We will teach st...
- [Module 3](https://ficycle.org/module-3/) - Compound Interest and Your Financial Life Cycle This module introduces the important idea that in order to meet our various financial needs throughout life, we must transfer wealth from phases of l...
- [FiCycle Equity Standards](https://ficycle.org/ficycle-equity-standards/) - Download Here
- [FiCycle Math Workbook Sample](https://ficycle.org/ficycle-math-workbook-sample/) - Download here or click through below:
- [FiCycle Math Teachers’ Packet](https://ficycle.org/ficycle-math-teachers-packet/) - Download here or click through below:
- [Taxes and Retirement Savings](https://ficycle.org/taxes-and-retirement-savings/) - Mathematics of Tax-Advantaged Retirement Savings (NOTE: The content of this blog is intended to demonstrate the mathematical analysis of retirement savings and is not intended as investment advice....
- [FiCycle Standards for Personal Finance and Mathematics](https://ficycle.org/ficycle-standards-for-personal-finance-and-mathematics/) - To read our standards download here or click through the full standards below. Other helpful documents: Standards Rationale Get a more in-depth picture of the rationale behind our standards such as...
- [FiCycle Standards for Personal Finance and Mathematics](https://ficycle.org/ficycle-standards-for-personal-finance-and-mathematics-2024/) - To read our standards download here or click through the full standards below. Other helpful documents: Standards Rationale Get a more in-depth picture of the rationale behind our standards such as...
- [Odds & Probability (Part II)](https://ficycle.org/odds-probability-part-ii/) - Which is better, odds or probability? Converting from odds to probabilities is not complicated. Suppose the odds are A to B.  Then the probability will be given by A/(A+B). Converting from probab...
- [Odds & Probability (Part I)](https://ficycle.org/odds-probability-part-i/) - What are the Odds? With the growth of online betting, odds are in the media more than ever. While we don’t recommend gambling, for reasons you will soon learn, we believe that understanding odds ...
- [CYF Modules](https://ficycle.org/free-course-outline/) - This series of lessons will help educators teach students about their financial life cycle and the basics of personal finance, while only using the most basic mathematics required to successfully n...
- [Report Errors / Feedback](https://ficycle.org/report-errors-feedback-copy/) - Loading… This post is only available to members.
- [Report Errors / Feedback](https://ficycle.org/feedback/) - Loading form… This post is only available to members.
- [3 Charts Show Why Research Recommends Combining Math and Finance](https://ficycle.org/combining-math-and-finance/) - Our central belief at FiCycle is that teaching personal finance and mathematics together improves student learning of both. That’s why we created “Financial Life Cycle Mathematics” – a high...
- [Q&A: Teacher Eva Hachikian on How Students Engage With Math and Finance](https://ficycle.org/qa-teacher-eva-hachikian-on-how-students-engage-with-math-and-finance/) - In our Q&A interview series, we have the opportunity to hear from high school math teachers across the U.S. whose students are experiencing success with the FiCycle curriculum. You’ll hear re...
- [Q&A: Teacher Erik Scott Brings Real-Life Experience to Teaching Mathematics and Finance](https://ficycle.org/qa-teacher-erik-scott-brings-real-life-experience-to-teaching-mathematics-and-finance/) - In our Q&A interview series, we have the opportunity to hear from high school math teachers across the U.S. whose students are experiencing success with the FiCycle curriculum. You’ll hear re...
- [Q&A: Teacher Courtney Epps on Changing How Students Look at Mathematics](https://ficycle.org/qa-teacher-courtney-epps-on-changing-how-students-look-at-mathematics/) - In our Q&A interview series, we have the opportunity to hear from high school math teachers across the U.S. whose students are experiencing success with the FiCycle curriculum. You’ll hear re...
- [Increase Student Engagement as Summer Break Nears](https://ficycle.org/increase-student-engagement-as-summer-break-nears/) - As the fourth quarter approaches, all teachers know the difficulty of keeping students’ attention after spring break. Testing out personal finance math before full use next year can address t...
- [New Year, New Look](https://ficycle.org/new-year-new-look/) - If you’ve visited our website prior to 2022, you’ve likely noticed a change in our logo and colors. We’re thrilled to share more information about this shift in our identity, wher...
- [Balancing the Equation: Combining Math and Finance for High School](https://ficycle.org/balancing-the-equation-combining-math-and-finance-for-high-school/) - With financial education courses becoming more commonplace across the country, schools and teachers see the need for a financial math class in their school curriculum. However, educators are now fi...
- [The Numbers Behind FiCycle: Student Engagement and The Need For Financial Literacy](https://ficycle.org/the-numbers-behind-ficycle-student-engagement-and-the-need-for-financial-literacy/)
- [Celebrating Financial Literacy Month: Catching up with Erik Scott](https://ficycle.org/celebrating-financial-literacy-month-catching-up-with-erik-scott/) - As we celebrate Financial Literacy Month this April, we are revisiting one of the teachers from our Q&A interview series last year who continues to experience success with the FiCycle curriculu...
- [What is Money](https://ficycle.org/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 ...
- [Building Community and Financial Literacy](https://ficycle.org/building-community-and-financial-literacy/) - Building and strengthening the community is central to the mission of the YM&YWHA of Washington Heights and Inwood (the Y), New York. Helping young people learn skills and deepen knowledge in a...
- [What is Debt?](https://ficycle.org/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 previo...