Introduction: Finance in daily life.

Discussion: Saving, spending, borrowing, and investing.

Learning Focus: Core financial terms.

Learning Goals: Explain basic financial choices.

Suggested Output: A short finance glossary.

Introduction: Simple money management.

Discussion: Income, expenses, needs, and wants.

Learning Focus: Budgeting and saving.

Learning Goals: Build a balanced student budget.

Suggested Output: A one-month sample budget.

Introduction: A beginner’s look at investing.

Discussion: Stocks, bonds, ETFs, risk, and return.

Learning Focus: Diversification and compounding.

Learning Goals: Compare basic investment choices.

Suggested Output: A sample portfolio worksheet.

Introduction: How credit and borrowing work.

Discussion: Credit scores, APR, fees, and repayment.

Learning Focus: Responsible credit use.

Learning Goals: Read a statement and borrowing terms.

Suggested Output: A credit-use checklist.

Introduction: Protecting accounts and recognizing scams.

Discussion: Phishing, impersonation, and fake offers.

Learning Focus: Verification and account safety.

Learning Goals: Identify scam warning signs.

Suggested Output: A bilingual safety checklist.

Introduction: Financial habits in the U.S. and China.

Discussion: Saving, borrowing, credit, and family influence.

Learning Focus: Cross-cultural similarities and differences.

Learning Goals: Compare perspectives without generalizing.

Suggested Output: A short reflection.