Benefits versus costs, budgeting, compound interest, consequences, cost of living, credit, credit card fraud, credit reporting and rating, debt, delayed gratification, earnings, education, expense tracking, financial management, identity theft, income, information mining, interest, investing, job skills, limited resources, liquidity, maximizing earnings, opportunity cost, pawnshop, payday loan, priorities, rent to own, return on investment, reward, risk, saving, savings plan, unlimited wants, variable and discretionary expenses
HIGH SCHOOL
JA PERSONAL FINANCE
Entrepreneurship 
Financial Literacy 
Work Readiness 
JA Personal Finance is in JA’s high school program suite. It is five sessions in length and focuses on: earning money; spending money wisely through budgeting; saving and investing money; using credit cautiously; and protecting one’s personal finances.
Following participation in the program, students will be able to recognize the fundamental elements of their personal finances: earnings, saving and investing, budgeting, credit, risk management, and giving; and apply these fundamental elements to a personal financial plan that allows them to set specific goals for their lifelong financial needs and desired quality of life.