Jump$tart Coalition® National Standards in K-12 Personal Finance Education
Financial Responsibility and Decision Making
“Overall Competence: Apply reliable information and systematic decision making to personal financial decisions.
1: Spending and Saving: Apply strategies to monitor income and expenses, plan for spending and save for future goals.
2: Credit and Debt: Develop strategies to control and manage credit and debt.
3: Employment and Income: Use a career plan to develop personal income potential.
4: Investing: Implement a diversified investment strategy that is compatible with personal
5: Risk Management and Insurance: Apply appropriate and cost-effective risk management
6: Financial Decision Making: Apply reliable information and systematic decision making to
personal financial decisions.” (6)