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Building a Future through

Financial Literacy

July 2025

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Financial Literacy

Presented by:

Eileen Marks DiFabio�Director of Innovation and 21st Century Skills

Marsha Iverson �Personal Finance Specialist

Super Teacher Session Supports: Isabella Jimenez, Dora Schaffer, Nadia Taylor, May Ting Chiu, Joe Diodato, Sandra Battle, Della Regina

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Institute

Norms

One Mic to maximize your/our learning with this amazing group!

Laptop for Learning Hub access - save other work for breaktime

Clean up - custodial staff is limited during the summer

bit.ly/FRFinlit725

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Session Objectives and Agenda

Objectives

Agenda

Gain a deeper understanding of why financial literacy is essential to student success and future opportunities
Learn about key updates to FRNYC’s FinLit requirements
Understand and start to select from two delivery model options and three approved curriculum options
Compare curriculum options and dive into demonstrations that highlight the strengths of each
Begin planning for SY25–26 implementation, with dedicated time to start creating a customized school plan

(10) Icebreaker
(5) Overview of FinLit
(10) SY25-26 updates to how the FRNYC FinLit requirements are evolving to improve the quality of student education (implemented in 10th / 11th grade, 3 curricula options, 2 delivery models)
(5) Options for implementation models
(20) Overview of FinLit curricula options, selection criteria, tools for tracking, and KIMS timeline
(15) Time to start documenting choices while completing Implementation Plan

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Move

Making Transportation Decisions

Spanish Version

From Next Gen Personal Finance One Semester Course

Budget Unit

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Game Play

DECIDE: On the slide, you’ll see a scenario and 3 options. Decide which option you think is best
MOVE to the corner that represents that option. Discuss with �your group (2 minutes)
MAKE YOUR CASE: One member of each group has 60 seconds to convince others to join your corner.
STAY OR MOVE: If you change your mind, move to a new corner.

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NOTE:

All of the costs and times provided in this activity are for round trips.

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Scenario

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Amir

Amir lives in the city and wants to go to a friend’s birthday party 8 miles away.

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How should Amir get there and come back?

Car

Light Rail

Cost: $22 for fuel and parking

Time: 25 mins

Cost: $6

Time: 1 hour, 30 mins

1

2

3

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Turn and Talk at your table:

When choosing between transportation options, what factors did you tend to prioritize (cost, time, safety, etc.)?
What types of tradeoffs (pros/cons) will the person in the scenario have to make based on the transportation option you recommend?
What additional information would you want to know about this scenario? How might that information impact which transportation option you recommend?

Icebreaker Debrief

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Financial Literacy is a critical, real-world skill for students

Financial Literacy

Financial literacy is the knowledge, skills, and mindset needed to make informed and responsible financial decisions, manage money effectively, and build a thriving financial future — for self, family, and community.

This information is confidential; it is not to be relied on by any 3rd party without prior written consent.

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FutureReadyNYC: Vision and approach are built around five core components

Focus of this session

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Financial Literacy is one course in the broader FRNYC experience, but relevant to multiple facets of students’ lives

Start of 10^th Grade

Start of 12^th Grade

Start of 11^th Grade

12^th Grade Graduation

9^th Grade Enrollment

Build pathway knowledge foundation �in full-year career-connected instruction

Get exposure to college and one credit with First Year Seminar

Complete two career�exploration activities

1:1 – Discuss �career options

1:1 – Update college and career plan- Begin exploring possibilities for apprenticeship opportunities

Learn how to manage money with fin lit course

Experience college by earning at least three pathway-aligned Early College credits

Take Pathway Matching Course-

Develop pathway knowledge in a second year of CCI coursework

1:1 – Discuss post-graduation aspirations

1:1 – Discuss best-fit colleges and/or credentials

Build professional knowledge by earning at least three more pathway- aligned Early College credits

Learn key skills in CCI capstone year

1:1 – Graduation/ post-High School prep., enabled with tools for financial stability

Personalized college and career advising

Career-connected instruction

Early credits and credentials

Work-based learning

Financial literacy

First 1:1 with college and career advisor, discuss FRNYC and career interests

Take Career�Exploration

Attend CUNY�Explorers

Second 1:1, develop initial college and career plan in digital advising tool

Enroll in FRNYC

Learn about jobs and employers in two career awareness activities

1:1 – College applications, FAFSA supt.; Develop budget and savings plan

Experience work at a paid internship and practice budget management

Understand financial implications of post-grad aspirations

By graduation, FRNYC students receive:

A detailed college and career plan
54 hours of financial literacy coursework
4-8 CCI credits
7+ college credit hours or a credential of value
4+ career awareness and exploration experiences
Paid work experience

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Financial Literacy is one course in the broader FRNYC experience, but relevant to multiple facets of students’ lives

Start of 10^th Grade

Start of 12^th Grade

Start of 11^th Grade

12^th Grade Graduation

9^th Grade Enrollment

Build pathway knowledge foundation �in full-year career-connected instruction

Get exposure to college and one credit with First Year Seminar

Complete two career�exploration activities

1:1 – Discuss �career options

1:1 – Update college and career plan- Begin exploring possibilities for apprenticeship opportunities

Learn how to manage money with fin lit course

Experience college by earning at least three pathway-aligned Early College credits

Take Pathway Matching Course-

Develop pathway knowledge in a second year of CCI coursework

1:1 – Discuss post-graduation aspirations

1:1 – Discuss best-fit colleges and/or credentials

Build professional knowledge by earning at least three more pathway- aligned Early College credits

Learn key skills in CCI capstone year

1:1 – Graduation/ post-High School prep., enabled with tools for financial stability

First 1:1 with college and career advisor, discuss FRNYC and career interests

Take Career�Exploration

Attend CUNY�Explorers

Second 1:1, develop initial college and career plan in digital advising tool

Enroll in FRNYC

Learn about jobs and employers in two career awareness activities

By graduation, FRNYC students receive:

A detailed college and career plan
54 hours of financial literacy coursework
4-8 CCI credits
7+ college credit hours or a credential of value
4+ career awareness and exploration experiences
Paid work experience

1:1 – College applications, FAFSA supt.; Develop budget and savings plan

Understand financial implications of post-grad aspirations

Experience work at a paid internship (WBL) and practice budgeting/money mgmt

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Implementing standards today enables us to meet future requirements and prepare students for long-term economic sustainability and security

New York State guidance

NYCPS 2030 goal

New York State’s Plan to Transform Education (as of Nov. 2024) indicates that FinLit will be a requirement effective SY26-27

100% of NYC PS graduates will have foundational skills for career readiness, computer science, and financial literacy.

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Updated FinLit requirements reflect your feedback and ensure a high-quality learning experience for all students

School year ’25-’26

School year ’24-’25

Approach was open ended with loose optional guidelines
This burdened schools with the time-consuming process of vetting and selecting curriculum
Many teachers told us they had to create their own curriculum
Students ended up with uneven experiences, many did not get the full FinLit coursework

We heard your concerns and conducted rigorous research to identify the most robust, impactful approach to FinLit
We have updated requirements and are offering options that clear the bar to deliver high-quality, vetted FinLit curricula
All students will have a full and robust experience

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Updates to FRNYC FinLit requirements will enable a more robust learning experience for students

Grade level

Delivery models

Curricula options

2 delivery model options: standalone or embedded course

Students must take FinLit course during 10^th or 11^th grade

Schools select from 3, free vetted curricula:

Next Gen Personal Finance
CRMYA Career Development Course (Unit 3: Financial Literacy)
Career and Financial Management (CFM) (Module 2: Financial Management)

Options within the FRNYC FinLit requirements:

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Grade level: FRNYC schools can implement FinLit curricula in 10^th or 11^th grade; 11^th grade is highly recommended

Decision drivers

Taking FinLit in 11^th grade has many direct benefits for students:

Enables strong linkage to the students’ paid WBL experience, where students can understand practical implications of salaries and money management
Connects directly to post grad future planning (e.g., saving for college, budgeting)
Meets the student where they are in terms of developmental maturity

Aim to offer FinLit in 11^th grade to align course with career readiness and maximize relevance
If course program for 11^th grade is not possible, then offer FinLit in 10^th grade as fallback option

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Curricula options: FRNYC schools can select one of three free, vetted FinLit curricula options to implement based on individual schools’ needs

Career Development Course Unit 3: Financial Literacy

Module 2: �Financial Management

Standalone course

54 Hours

Unit embedded in career readiness course within CRMYA

10 Hours

Unit embedded in CTE curriculum

30 Hours

Model A: Standalone�Suitable for most schools

Model B: Embedded�Meets CTE / CRMYA requirements

A

B

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Curricula options: schools can select one of three free, vetted FinLit curricula options to implement based on individual schools’ needs

Strong offering / Fully meets expectations

Moderate offering / Partially meets expectations


Comprehensive breadth of FinLit topics
Standalone course vs. embedded in broader coursework	Standalone course	Embedded unit within CRMYA Career Development Course	Embedded unit within Career Financial Management Guide
Delivery platform: Centralized or distributed materials, determining ease of use	Centralized website houses full curriculum, teacher guides, and other tools	Packet organized by lesson, with embedded links to content	Resource guide that defines units to cover with embedded links to 3^rd party content
Language(s) offered	English & Spanish	English	English
Progress tools: assess student learning over time through dashboards and summaries
Built in student assessments and engagement tools: Project based real-world scenarios, quizzes, games, etc.
Support for educators: Guidance docs, additional resources (e.g., webinars, asynchronous prof. learning), pacing (e.g., semester vs. trimester, unit timing)
Compliance with additional programs	Most suitable for all schools	Satisfies CRMYA	Satisfies CTE

Required for NGPF grant recipients

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Next Gen Personal Finance (NGPF) offers a centralized �website with robust educator resources and interactive activities

Robust “Teacher PD & Community” offerings to support curricula implementation
Includes self paced on-demand modules, live virtual sessions, certification courses, and full day in-person PD programming

Single platform provides seamless access to full curriculum, unit dropdowns, assessments, and games
Organized by course type for smooth planning (e.g., semester vs. trimester)

Traditional assessments included at the end of each unit with auto-grading
Non-traditional evaluation tools included, such as online games, “Question of the Day,” and “FinCap Fridays” (short videos with quizzes)

Examples from 10 games to demonstrate learnings

Centralized web-based platform with all content

Robust facilitation support �for educators

Interactive student �evaluation tools

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CRMYA Career Development Guide and CFM are structured PDF packets with embedded links

Adaptable pacing guidance with embedded links to 3^rd party ready-to-use presentations and worksheets
Each lesson features interactive activities, with an end-of-unit assessment and student presentation

2-part guidance: instructional goals and lesson resources
Access to vetted 3^rd party resources to build CTE aligned lessons

CFM Curriculum Framework

CRMYA Career Development Course Guide

CFM Resource Guide

Career Development Course Unit 3: Financial Literacy

Module 2: Financial Management

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Curricula options: All three curricula cover comprehensive FinLit topics


Banking
Budgeting
Consumer skills
Credit
Insurance
Investing
Saving
Taxes

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Turn & Talk

Will your school implement FinLit in 10th or 11th grade?
Which delivery model and curriculum your school will use?

Turn & Talk

Turn to your neighbor and spend 3-5 mins discussing:

bit.ly/FRFinlit725

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FRNYC Key Implementation Measures (KIMs) 2.0 �

	Milestone A (due 10/5)	Milestone B (due 1/5)	Milestone C (due 4/5)	Milestone D (due 7/5)
Program�Execution	Participated in Summer Institute Implementation plan approved (including Advising, WBL & FinLit staffing confirmations) All FRNYC 10th-12th graders identified in STARS Selected STARS Programmer to attend OSP-led STARS training sessions	All CoPs attended	All CoPs attended Full budget spent / allocated	All CoPs attended QIP survey and follow-up call complete Detailed budget and implementation plan for next SY approved All FRNYC rising 10^th graders (current 9^th graders) identified in STARS
Cross-Pillar	Full-year FRNYC course sequence (across CCI, FinLit, ECC) submitted in pathways workbook & once approved, entered in STARS Plan to equitably recruit and support FRNYC students from historically underserved groups is completed and approved Plan to provide remediation, differentiated instruction, and other academic supports for all FRNYC students (especially students with low GPAs or readiness markers) is completed and approved			Review / reflection on progress equitably recruiting and supporting FRNYC students from historically underserved groups is completed and approved
Personalized College & Career Advising�Work with a college & career advisor to develop & navigate towards a personal career plan		College & career advisor identified in STARS for all FRNYC 10th-12th graders College & career advisor identified in STARS for all 9^th graders All FRNYC 10th-12th graders have completed survey to identify career interests this school year in digital tool All FRNYC 10th-12th graders have completed first 1:1 with college & career advisor		All 9^th graders have completed survey to identify career interests this school year in digital tool All FRNYC 10th-12thgraders have completed second 1:1 with college & career advisor All 9^th graders have completed 1:1 with college & career advisor College & career advisors assigned to FRNYC students have completed Advising & Awareness credential in past 3 years All FRNYC 10th-12thgraders have completed written career planning reflection this school year in digital tool
Career-Connected Instruction�Build skills in & awareness of high-wage, high-growth careers	All FRNYC 10th-12thgraders enrolled in grade-appropriate Fall CCI course(s)� Submitted CCI course sequence in pathways workbook (for programming into STARS – see KIM A5)		All 9^th graders enrolled in Fall or Spring foundations / career exploration course All FRNYC 10th-12th graders enrolled in grade-appropriate Spring CCI course(s) All FRNYC 10th-12thgraders completed grade-appropriate Fall CCI course(s)	All 9^th graders completed Fall or Spring foundations / career exploration All FRNYC 10th-12thgraders completed grade-appropriate Spring CCI course(s)
Early Credits & Credentials�Earn pathway-aligned credits and industry-recognized credentials to get ahead	Complete Fall FYS / ECC planning confirmations in pathways workbook Submitted ECC course sequence in pathways workbook (for programming into STARS – see KIM A5)	Complete Spring ECC planning confirmations in pathways workbook	All FRNYC 10^th graders enrolled in Fall and / or Spring FYS All FRNYC 11^th and 12^th graders enrolled in a pathway-aligned Fall and / or Spring ECC course	All FRNYC 10^th graders completed Fall and / or Spring FYS All FRNYC 11^th and 12^th graders completed a Fall and / or Spring pathway-aligned ECC course Complete planning meeting with ECC partner and submit an ECC plan for upcoming year, with at least 1 of 11th or 12th grade ECC courses (i.e., non-FYS) offered in the Fall Submit roster for students who will be enrolled in the Fall ECC course (once enrollment opens)
Work-Based Learning�Culminate in a pathway-aligned paid internship�to gain authentic, relevant work experience	Submit paid WBL planning confirmations for FRNYC 11^th and 12^th graders in pathways workbook (including confirming CPP status)	All FRNYC 10^th graders have at least one unpaid WBL activity captured in STARS	All FRNYC 12th graders have completed (in 11^th or 12^th grade), OR been accepted AND confirmed to a pathway-aligned paid WBL experience by the end of this school year	All FRNYC 10^th graders have completed at least two pathway-aligned unpaid WBL activities By June 30, 50%+ of FRNYC 11th graders have completed at least one pathway-aligned paid WBL experience this school year For any FRNYC 11^th graders who have not completed a paid WBL experience, complete paid WBL planning confirmations (including confirming CPP status) All FRNYC 12^th graders completed at least 1 pathway-aligned paid WBL experience (in 11^th or 12^thgrade)
Financial Literacy�Gain lifelong skills & habits around personal finance	Submitted FinLit model selection, chosen curriculum, and course sequence in pathways workbook (for programming into STARS – see KIM A5)		All FRNYC 10^th or 11^th graders have completed FinLit coursework OR are confirmed to complete in the Spring	All FRNYC 10^th or 11^th graders have completed FinLit coursework

This view shows when KIMs are DUE - many activities must be completed leading up to due date to meet deadline.

One-time events with required attendance

Critical KIMs�First-Year / Cohort 4 schools not measured on this KIM in SY25-26

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KIMs: There are two steps to ensure FinLit Milestone A KIMs are completed

	Milestone A (due 10/5)
Cross-Pillar	Full-year FRNYC course sequence (across CCI, FinLit, ECC) submitted in pathways workbook & once approved, entered in STARS
Financial Literacy�Gain lifelong skills & habits around personal finance�	Submitted FinLit model selection, chosen curriculum, and course sequence in pathways workbook (for programming into STARS – see KIM A5)

Step 1:

Enter grade level, implementation model, and chosen curriculum into your pathways workbook on tab “FRNYC course offerings”

Step 2:

Once “FRNYC course offerings” tab is reviewed by OSP, STARS programmer enters the complete course sequence into STARS

bit.ly/FRFinlit725

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A5. Full-year FRNYC course sequence (across CCI, FinLit, ECC) submitted in pathways workbook & once approved, entered in STARS	C25. All FRNYC 10th or 11th graders have completed FinLit coursework OR are confirmed to complete in the Spring	D47. All FRNYC 10th or 11th graders have completed FinLit coursework
A5. Full-year FRNYC course sequence (across CCI, FinLit, ECC) submitted in pathways workbook & once approved, entered in STARS	C25. All FRNYC 10th graders have completed FinLit coursework OR are confirmed to complete in the Spring [If FinLit is taught in 10^th grade]	D47. All FRNYC 10th graders have completed FinLit coursework [If FinLit is taught in 10^th grade]

By Oct 5

By Apr 5

By Jul 5

Full Implementation Schools

(Cohorts 1-3)

First Year Implementation

Schools

(Cohort 4)

By Jan 5

2025-2026 Key Implementation Measures for FinLit

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Reminder: Immediate next steps (to ensure all Milestone A KIMs are completed by 10/5)

By 10/5, you will have submitted FinLit model selection, chosen curriculum, and course sequence in pathways workbook, and once approved, entered into STARS

Decide grade level (10^th or 11^th), curricula, and implementation model for your school
Update pathways workbook with grade level, curricula, and implementation model decisions
Complete course sequence entered into STARS by FRNYC programmer

Identify and enroll students in FinLit for Fall or Spring semesters

Review 10^th or 11^th grade enrollment data and confirm that all students that are not enrolled in FinLit for the Fall are scheduled for a class in the Spring

Track student performance in Fall courses and remediate as needed

July ’25

August ’25

September ’25

Throughout Fall ’25

bit.ly/FRFinlit725

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Turn & Talk

Shout it out!

What are the critical next steps to complete before the school year begins?

bit.ly/FRFinlit725

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In your school teams or on your own, spend 10 minutes making plans for FinLit and complete your implementation plan

Grade: Will your school implement FinLit in 10th or 11th grade?
Model: Which implementation model will your school use?
Curricula: Which curricula will your school use?
Team: Who needs to be part of this work? What role do they play in supporting implementation?
Support: What gaps or challenges do you foresee?

Reminder: Your full Implementation Plan lives in Google Sheets

Questions for consideration

bit.ly/FRFinlit725

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Turn & Talk

Access to Curriculum

bit.ly/FRFinlit725

Curriculum Recommendations

Next Gen Personal Finance Next Gen Personal Finance Curriculum and Resources Next Gen Personal Finance One Semester Course Need to set up teacher account to access answer keys and manipulate lessons/activities Directions and Video	Career and Financial Management CFM Curriculum CFM Resource Guide CFM/Personal Finance Standards Crosswalk Career Development Career Development Course Materials

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KIMs: There are two steps to ensure FinLit Milestone A KIMs are completed

	Milestone A (due 10/5)
Cross-Pillar	Full-year FRNYC course sequence (across CCI, FinLit, ECC) submitted in pathways workbook & once approved, entered in STARS
Financial Literacy�Gain lifelong skills & habits around personal finance�	Submitted FinLit model selection, chosen curriculum, and course sequence in pathways workbook (for programming into STARS – see KIM A5)

Step 1:

Enter grade level, implementation model, and chosen curriculum into your pathways workbook on tab “FRNYC course offerings”

Step 2:

Once “FRNYC course offerings” tab is reviewed by OSP, STARS programmer enters the complete course sequence into STARS

bit.ly/FRFinlit725

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PD will be coming throughout the year to jumpstart FinLit implementation

Jumpstart Financial Literacy: Fall (Mandatory)
Level Up Your Instruction: Spring (Mandatory)
Office Hours: Throughout the year
Communities of Practice: Monthly

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Implementing standards today enables us to meet future requirements and prepare students for long-term economic sustainability and security

NYCPS 2030 goal

100% of NYC PS graduates will have foundational skills for career readiness, computer science, and financial literacy.

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Building on 10 years of experience, CS4All will provide Communities of Practice to help schools integrate AI and Computer Science aligned with NYSED standards for the upcoming school year.

Please fill out this form to express interest in joining our Communities of Practice, your school can join multiple sessions. Schools that submit this form will receive early invites when registration opens. Thank you!

Entering the Age of AI

Communities of Practice

Session 1 - Equity in CS Education

Foundational sessions on equitable teaching practices

Session 2 - CS Pedagogy and Implementation

Effective CS Instruction Strategies

Session 3 - Building CS Teacher Community

Collaboration & Peer Learning

Session 4 - Emerging CS Topics

AI & Evolving Technologies

Session 5 - AP CSP Supports

AP CSP Exam Prep & Review

For SY 25/26, we are excited to provide introductory computer science training to schools across the district. We will provide paid professional learning training via CS4All Communities of Practice throughout the school year to support any teacher (regardless of their AI / CS experience). Our team and partners have Trained over 3,000 teachers and engaged over 600 school leaders in CS related professional learning opportunities throughout the past 10 years. We’ve gained a lot of learnings each year to provide relevant supports to you and your schools. You’re in good hands. We will provide free curriculum and instructional resources that are culturally relevant, aligned to state standards, provide rigorous instruction, joy and encourage exploration of AI / CS within the community around them. They will have access to our extensive network of teachers, partners and colleagues - all that have experience in providing CS education implementation in and outside of the classroom.

If you would like to receive support, please utilize the bit.ly links above.

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Thank you!

Director of Innovation and 21st Century Skills

emarks@schools.nyc.gov

Eileen Marks DiFabio

Personal Finance Specialist

miverson@schools.nyc.gov

Marsha Iverson