CAREER & FINANCIAL MANAGEMENTCareer Exploration
Interests, values, skills, career research, occupations, labor-market information, and career decision-making.
Detailed descriptions of the major career, financial, workplace, and consumer topics that can be addressed in a CFM course.
Interests, values, skills, career research, occupations, labor-market information, and career decision-making.
College, career and technical education, apprenticeships, military pathways, credentials, costs, and return on education.
Applications, résumés, cover letters, interviews, networking, job search strategy, and employment decisions.
Communication, teamwork, time management, professionalism, ethics, problem solving, and workplace expectations.
Wages, salaries, compensation, benefits, entrepreneurship, multiple income sources, and income stability.
Gross and net pay, deductions, withholding, taxes, benefits, and reading a paycheck.
Checking, savings, fees, account statements, electronic banking, reconciliation, fraud prevention, and financial institutions.
Goals, needs and wants, spending plans, cash flow, irregular expenses, sinking funds, and financial wellness.
Credit reports and scores, APR, borrowing costs, credit cards, loans, repayment, identity theft, and responsible credit use.
Emergency funds, compound growth, risk and return, diversification, stocks, bonds, funds, retirement, and investment scams.
Risk, premiums, deductibles, coverage decisions, major insurance categories, and financial protection.
Comparison shopping, contracts, warranties, scams, consumer rights, major purchases, and evidence-based decision-making.
Digital payments, account security, online banking, privacy, financial apps, identity protection, and technology risks.
Business ownership, entrepreneurship, costs, revenue, profit, financing, and career connections.
Inflation, interest rates, labor markets, economic conditions, and how broader forces affect personal financial decisions.
An integrated application of career planning, financial decision-making, communication, research, reflection, and presentation skills.