20-Week CFM Curriculum Outline

A flexible semester sequence that balances career readiness and personal finance while leaving room for local priorities and projects.

Weeks 1–3

Career Development

Self-assessment, career exploration, pathways, education and training.

View Matching Resources →Weeks 4–5

Career Readiness

Résumés, applications, interviewing, communication, workplace expectations.

View Matching Resources →Weeks 6–8

Income & Financial Foundations

Paychecks, taxes, money goals, needs and wants, financial decisions.

View Matching Resources →Weeks 9–11

Budgeting & Banking

Budget construction, cash flow, banking services, fees, account management.

View Matching Resources →Weeks 12–14

Credit & Debt

Credit reports and scores, borrowing costs, credit cards, loans, debt decisions.

View Matching Resources →Weeks 15–17

Saving, Investing & Risk

Saving strategies, compound growth, diversification, investing basics, insurance and risk.

View Matching Resources →Weeks 18–20

Application & Capstone

Consumer decisions, financial wellness, integrated career/financial planning, presentation or capstone application.

View Matching Resources →

Use This as a Framework

Schools may adjust the sequence and time devoted to each area based on course length, local curriculum, student needs, and New York State requirements. CFMNY resources can be filtered by topic to support each phase.

Browse All Teacher Resources →Back to Curriculum →