40-Week CFM Curriculum Outline

A full-year sequence with additional time for practice, projects, current events, and deeper application.

Weeks 1–5

Career Development

Self-awareness, interests, values, skills, career clusters, labor-market research, and pathways.

View Matching Resources →Weeks 6–9

Education & Career Readiness

Education and training options, résumés, applications, interviews, professional communication, and workplace behaviors.

View Matching Resources →Weeks 10–13

Income & Financial Foundations

Compensation, paychecks, taxes, benefits, financial goals, opportunity cost, and decision-making.

View Matching Resources →Weeks 14–18

Budgeting & Money Management

Budget systems, cash flow, irregular expenses, sinking funds, spending plans, and financial wellness.

View Matching Resources →Weeks 19–22

Banking & Financial Services

Checking, savings, fees, statements, reconciliation, electronic banking, fraud prevention, and institution comparison.

View Matching Resources →Weeks 23–27

Credit & Debt

Credit reports, scores, APR, credit cards, installment loans, repayment, identity theft, and borrowing decisions.

View Matching Resources →Weeks 28–32

Saving & Investing

Emergency savings, compound growth, risk and return, diversification, stocks, bonds, funds, retirement, and scams.

View Matching Resources →Weeks 33–35

Insurance & Consumer Decisions

Risk management, insurance basics, major purchases, consumer protections, contracts, and decision analysis.

View Matching Resources →Weeks 36–40

Integration & Capstone

Life-event planning, financial decision cases, career/financial plan integration, capstone work, reflection, and presentation.

View Matching Resources →

Flexible by Design

This pacing outline is a planning framework, not a mandated sequence. Educators can expand or compress topics to fit local curriculum, school calendars, project work, and student needs.

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