🎯 Lesson: “Lifelong Learning & Financial Empowerment”

Grade Level: High School (9–12) Duration: 60 minutes Focus: Growth mindset, continuous learning, financial literacy, and entrepreneurial readiness.

📚 Standards Alignment

Florida Next Generation Sunshine State Standards (NGSSS) – Financial Literacy Strand (Social Studies):

• SS.912.FL.2.2: Understand ways to earn income (full-time, self‑employment, passive)

• SS.912.FL.2.9: Describe why entrepreneurship is a career choice

• SS.912.FL.3.9: Develop a budget based on income and expenses

• SS.912.FL.4.4: Understand impact of spending vs saving

• SS.912.FL.5.10–5.12: Credit, loans, debt management

• SS.912.FL.6.1–6.6: Basics of investing, risk vs. return, digital currency (Florida Department of Education)

Florida Graduation Requirement: Starting with 2023–2024 school year (per SB 1054 / Dorothy L. Hukill Act), students must earn 0.5 credit in Personal Financial Literacy & Money Management (Florida Department of Education, The Florida Senate).

🌱 Objectives

Students will be able to:

1. Explain the importance of ongoing learning for personal and financial growth.

2. Identify at least three platforms (JA World, NGPF, Minority Mindset YouTube) for free entrepreneurship and financial education.

3. Connect Florida’s financial literacy standards to real-world learning.

4. Reflect on how lifelong learning fuels earning, investing, and saving.

🕒 Lesson Timeline

1. Warm-Up & Hook (10 min)

• Ask: What skills have you learned in the past year? How do they help you today or in the future?

• Quick wrap-up: explain lifelong learning and its link to future income, entrepreneurship, and independence.

2. Introduce Resources (15 min)

Highlight and introduce the following platforms:

• JA World (Junior Achievement World): Virtual and in-person programs on entrepreneurship and work readiness.

• NGPF.org (Next Gen Personal Finance): Comprehensive financial literacy curriculum for teachers and students.

• Minority Mindset (YouTube): Business, investing, and "making money work" advice with a minority‑mindset perspective.

• Bonus: NGPF’s Florida-specific curriculum resources for SB1054 implementation (Next Gen Personal Finance).

Provide clickable links in your materials:

• JA World – Entrepreneurship & Career Readiness

• NGPF.org – Free Financial Literacy Courses and Tools

• Minority Mindset – YouTube Channel for Money & Business

3. Direct Instruction: Making the Connection (15 min)

• Explain how Florida’s financial literacy standards map onto real life:

  • Learning about different income types (entrepreneurship, passive income, investments) relates to SS.912.FL.2.2 & .2.9.

  • Budgeting, credit, insurance, and investing tie to SS.912.FL.3‑.6 and SS.912.FL.4‑.6 standards (Financial Educators Council, Florida Department of Education).

• Show one short clip or example activity from Minority Mindset or NGPF to illustrate ongoing learning.

4. Interactive Activity: Learning Path Plan (15 min)

• Students craft a Personal Learning Path:

  • Identify 3 skills or topics they want to learn (e.g., budgeting, investing basics, starting a side hustle).

  • For each skill/topic, choose a platform (JA World module, NGPF lesson, Minority Mindset video) as their resource.

  • Describe how learning each skill would benefit them (earning, saving, investing, entrepreneurship).

5. Reflection & Share (5 min)

• Students share one chosen learning goal and resource with a peer.

• Round-robin: one volunteer shares their plan with the class.

🧑‍🏫 Teacher Resources

• Florida Dept. of Education’s Personal Financial Literacy & Money Management course specs & standards (Course #2102371/2102373) (Next Gen Personal Finance, Wikipedia, Florida Department of Education, Florida Department of Education).

• NGPF blog on implementing the guaranteed course in Florida high schools (Next Gen Personal Finance).

🔍 Administrative Insight

Florida’s Chief Financial Officer (CFO) is now Blaise Ingoglia (appointed July 2025), heading the Florida Department of Financial Services. This office provides consumer financial education, fraud prevention, and state financial oversight. Their main website is MyFloridaCFO.com (Wikipedia).

✍️ Sample Worksheet Format

Learning Goal / Skill	Platform Resource	Benefit (Earning / Investing / Saving / Entrepreneurship)
e.g. Budgeting & cash flow	NGPF lesson “Budgeting Basics”	Helps plan spending and build savings
Starting a business	JA World Entrepreneurship Module	Teaches business planning and startup essentials
Investing fundamentals	Minority Mindset YouTube video	Shows how money can grow passively

✅ Follow-Up or Extension Ideas

• Assign students to complete one NGPF module and write a short reflection.

• Invite guest speakers (Young entrepreneurs, FCA financial pros).

• Launch a school “financial literacy club” where students explore JA World and NGPF together.