Course 1: Will Vermont's Students Be Left Behind?
Champlain College’s Center for Financial Literacy: 2025 Interim Update National Report Card on State Efforts to Improve Financial Literacy in High Schools™
Champlain College’s Center for Financial Literacy: 2023 National Report Card on State Efforts to Improve Financial Literacy in High Schools™
Champlain College’s Center for Financial Literacy:Vermont Factsheet from the 2023 National Report Card
FINRA Investor Education Foundation’s 6th Edition issued in July 2025 of its National Financial Capability Study
CBS Nightly News, December 9, 2024: Most High Schoolers Want to Learn About Financial Topics But Only 10 States Require It.
FINRA Investor Education 2015 report: State Financial Education Mandates: It’s All in the Implementation
Next Gen Personal Finance 2025 report: NGPF’s 2025 State of Financial Education Report NGPF’s 2025 State of Financial Education Report
National Standards for Personal Financial Education,Published by Jump$tart Coalition and the Council for Economic Education
2023 Press Release from Champlain College’s Center for Financial Literacy: New Poll: Vermonters Strongly Endorse Personal Finance Education
2023 NBC5 In Depth: Discussing financial literacy in schools
2023 WCAX: Will Push for financial literacy allow lawmakers to choose Vt. school curriculum?
2023 VTDigger Opinion: David Klinker: This high school course changed my life completely
H. 228: An act relating to financial literacy in Vermont’s public schools
Vermont Agency of Education: Written Testimony on H. 228
H. 454 (Act 73): An act relating to transforming Vermont’s education governance, quality, and finance systems
Vermont Jump$tart Coalition Hompage
Course 2: What Does Investing in Financial Literacy Get You? An interview with Dr. Carly Urban
FINRA Investor Education 2015 report: State Financial Education Mandates: It’s All in the Implementation
FINRA Investor Education 2019 report: Does State-Mandated Financial Education Affect High-Cost Borrowing?
National Endowment for Financial Education 2018 report: BETTER BORROWING How State-Mandated Financial Education Drives College Financing Behavior
Daniel Mangrum 2022 study: Personal Finance Education Mandates and Student Loan Repayment
FINRA Investor Education and National Endowment for Financial Education 2018 report: Financial Education Matters: Testing the Effectiveness of Financial Education Across 76 Randomized Experiments
Dr. Carly Urban Blog Poston the causal effects of financial education
Dr. Carly Urban 2022 paper: Eight Takeaways on Access to Personal Finance in US High Schools: 2021-2022 Academic Year
Dr. Carly Urban: Research Website Page
Economics of Education Review 2020 article by Dr. Carly Urban, et al: The effects of high school personal financial education on financial behavior
The Journal of Consumer Affairs 2019 article by Melody Harvey: Impact of Financial Education Mandates on Younger Consumers’ Use of Alternative Financial Services
Journal of Money, Credit and Banking 2020 article by Dr. Carly Urban, et al: The Effect of State-Mandated Financial Education on College Financing Behaviors
Federal Reserve Bank of New York 2022 article by Daniel Mangrum: Personal finance education mandates and student loan repayments
FINRA Investor Education Foundation and Center for Financial Security, University of Wisconsin-Madison 2020 article: How Does Financial Education in High School Affect the Subjective Well-being of Adults?
2022 Article by Dr. Carly Urban, et al: Does state-mandated financial education reduce high school graduation rates?
TIAA Institute 2022 article by Dr. Carly Urban, et al: Does financial education in high school affect retirement savings in adulthood?
2020 article by Dr Carly Urban, et al: Financial education affects financial knowledge and downstream behaviors
Economics of Education Review 2020 article by Tim Kaiser and Lukas Menkhoff: Financial Education in schools: A meta-analysis of experimental studies.
Federal Reserve Bank of New York 2022 article by Daniel Mangrum: Personal Finance Education Mandates and Student Loan Repayment
Course 3: An Interview with Tim Ranzetta, Co-Founder of Next Gen Personal Finance (NGPF)
NGPF’s Website
Full Year Financial Literacy Course
Flagship Semester Financial Literacy Course
Trimester Financial Literacy Course
Middle School Financial Literacy Course
Financial Algebra Course
Financial Literacy Units by Topic
Financial Literacy Arcade
FinCap Fridays—Current Events
Live U.S. Dashboard: Guarantee States
NGPF Documentaries
Next Gen Personal Finance 2025 report: NGPF’s 2025 State of Financial Education Report NGPF’s 2025 State of Financial Education Report
Course 4: Keynote: Interview with the Zoie Saunders, the Vermont Secretary of Education on Financial Literacy Education in Vermont and AOE Financial Literacy Resources
January 2025 AOE Report: Key Themes from the Listen and Learn Tour
Champlain College’s Center for Financial Literacy: 2023 National Report Card on State Efforts to Improve Financial Literacy in High Schools™
Champlain College’s Center for Financial Literacy: Vermont Factsheet from the 2023 National Report Card
National Standards for Personal Financial Education,Published by Jump$tart Coalition and the Council for Economic Education
2023 Press Release from Champlain College’s Center for Financial Literacy: New Poll: Vermonters Strongly Endorse Personal Finance Education
Next Gen Personal Finance 2025 report: NGPF’s 2025 State of Financial Education Report NGPF’s 2025 State of Financial Education Report
H. 228: An act relating to financial literacy in Vermont’s public schools
Vermont Agency of Education: Written Testimony on H. 228
H. 454 (Act 73): An act relating to transforming Vermont’s education governance, quality, and finance systems
AOE: Student Learning Content Area Webpage for Financial Literacy
AOE: Financial Literacy: Spotlight on Equity Resources
AOE: A Vermont Portrait of a Graduate
AOE: Financial Literacy and Personalized Learning Plans
AOE: Financial Literacy Proficiency-Based Graduation Hierarchy
AOE: Financial Literacy Jump$tart Alignment to Curriculum Kindergarten
AOE: Financial Literacy Jump$tart Alignment to Curriculum Grades 1-4
AOE: Financial Literacy Jump$tart Alignment to Curriculum Middle School
AOE: Financial Literacy Jump$tart Alignment to CurriculumHigh School
Course 5: Everyday Millionaires: How Do Ordinary People Build Extraordinary Wealth; Review of Vermont Jump$tart
Book: The Millionaire Next Door: The Surprising Secrets of America's Wealthy by Thomas J. Stanley Ph.D. and William D. Danko Ph.D.
Book:The Next Millionaire Next Door: Enduring Strategies for Building Wealth by Thomas J. Stanley, Ph.D. and Sarah Stanley Fallaw Ph.D.
Book: Everyday Millionaires by Chris Hogan (Author) and Dave Ramsey (Foreword)
Ramsey Solution Report: The National Study of Millionaires
Federal Reserve Survey of Consumer Finances
DQYDJ Article: Average Net Worth by Age plus Median, Top 1%, and All Percentiles
CNBC Article: A janitor secretly amassed an $8 million fortune and left most of it to his library and hospital
NBC News Article: Sylvia Bloom, a frugal secretary, hid a $9M fortune. She joins a list of secret millionaires.
Yahoo!Finance Article: Soaring number of Americans are now 401(k) millionaires
SEC Compound Interest Calculator
Course 6: Interview with Gary Mottola, Research Director FINRA Investor Education Foundation, about Vermont's Financial Capability
FINRA Investor Education Foundation Report: National Financial Capability Study
Course 7: Avoiding Scams and Frauds: An Interview with Bill Carrigan
Investopedia article: Personally Identifiable Information (PII): Definition, Types, and Examples
NBC New 2017 Article: Target Settles 2013 Hacked Customer Data Breach For $18.5 Million.
Schwab 2024 Press Release: 2024 Schwab Modern Wealth Survey Shows Increasing Financial Confidence From Generation to Generation and Younger Americans Investing at an Earlier Age
Investopedia article: How to Buy Fractional Shares
Securities and Exchange Commission (SEC) article: Red Flags of Investment Fraud Checklist
FINRA article: Watch for Red Flags
Federal Trade Commission (FTC) article: Investment Scams
Federal Trade Commission (FTC) article: Who experiences scams? A story for all ages
Federal Trade Commission (FTC) research: Consumer Sentinel Network 2023 Data Book
Federal Trade Commission (FTC) research: Consumer Sentinel Network 2024 Data Book
Investopedia Article: Payment for Order Flow (PFOF): Definition and How It Works
CNBC 2020 Article: Here’s how Robinhood is raking in record cash on customer trades — despite making it free
CBS News 2020 article: Robinhood Financial fined $65 million by SEC for misleading users
CNBC 2021 article: Robinhood’s disruptive force: The good, the bad and the controversy
Reuters 2024 article: Robinhood settles Massachusetts regulators' trading case for $7.5 million
Investopedia Article: Understanding Pump-and-Dump Schemes: Definition, Illegality, and Types
Marketplace APM video of Financially Inclined Podcast: Hear a Vermont student’s fraud story at (8:46 on video); Cybersecurity expert tells teens how to avoid scams
Investopedia article: What Is Bitcoin? How to Buy, Mine, and Use It.
Yahoo! Finance 2024 Article: 7 of the Biggest Bitcoin Crashes in History
JP Morgan Chase Institute 2022 research article: The Dynamics and Demographics of U.S. Household Crypto-Asset Use
Bankrate 2025 article: Zero-day options: What to know about this risky short-term trading strategy
Securities and Exchange Commission (SEC): Ponzi Scheme
Investopedia article: Ponzi Scheme: Definition, Examples, and Origins
Federal Bureau of Investigation (FBI): Bernie Madoff Case Inside history’s biggest financial crime
AARP Podcast, The Perfect Scam, two-part series on Vermont based Ponzi scheme: Episode 51 Mac Parker’s Million-Dollar Ponzi Scheme: Episode 52 Vermont Authorities Investigate Fundraising for Mac Parker’s Movie
US Attorney’s Office, District of Vermont 2013 press release: Conspirators Sentenced To 84 Months And 55 Months For Fraud Conspiracy In The “birth OF Innocence” Movie Project
CNBC 2021 article: A large chunk of the retail investing crowd started during the pandemic, Schwab survey shows
CNBC 2021 article: Options trading activity hits record powered by retail investors, but most are playing a losing game
Wikipedia article: Keith Gill
Netflix Documentary on Keith Gill/GameStop:Eat the Rich
Sony Pictures Entertainment film on Keith Gill/GameStop: Dumb Money
Securities and Exchange Commission 2021 Report on the Keith/Gill GameStop event: Staff Report on Equity and Options Market Structure Conditions in Early 2021
Securities and Exchange Commission 2022 Press Release: SEC Charges Eight Social Media Influencers in $100 Million Stock Manipulation Scheme Promoted on Discord and Twitter
American Bankers Association article: Peer to Peer Payment Scams
California Department of Financial Protection and Innovation article: Peer-to-Peer payment scams on the rise
Federal Trade Commission (FTC) article: What To Know About Identity Theft
Federal Trade Commission (FTC) article: Top text scams of 2024
Federal Bureau of Investigation (FBI) article: Sextortion: The FBI has seen a huge increase in the number of cases involving children and teens being threatened and coerced into sending explicit images online—a crime called sextortion.
Vermont Department of Financial Regulation: Avoid Scams and Frauds
Office of the Vermont Attorney General: Scam Prevention Through Awareness and Education
University of Vermont; Consumer Assistance Program or CAP is an established on-campus service-learning experience that supports the professional growth of its students while delivering consumer protection advocacy to Vermonters.
Course 8: Interview with Vermont State Treasurer Mike Pieciak and a Review of Free Intuit Curriculum and Tools Available for Educators
FINRA Investor Education Foundation Report: National Financial Capability Study
Experian article: What Is the Average Credit Score in the US?
myFICO article: What's in my FICO® Scores?
Experian article: What Is a Credit-Based Insurance Score?
2023 Press Release from Champlain College’s Center for Financial Literacy: New Poll: Vermonters Strongly Endorse Personal Finance Education
Champlain College’s Center for Financial Literacy December 2023 Financial Literacy in Highs School Factsheet for Connecticut
Vermont State Treasurer’s Website
Vermont State Treasurer’s Website: Retirement Landing Page
Vermont State Treasurer’s Website: Teachers Pension Plan
Vermont State Treasurer’s Website:Vermont Saves
Vermont State Treasurer’s Website: Vermont Saves Dashboard
Vermont Saves: Employer Factsheet
Vermont Saves: Saver Factsheet
Vermont State Treasurer’s Website: Baby Bonds
VTDigger January 2024 Opinion: Treasurer Mike Pieciak and Treasurer Erick Russell: How baby bonds will strengthen Vermont’s economy
Vermont General Assembly Website: S.27 (Act 21) An act relating to medical debt relief and excluding medical debt from credit reports
Vermont Treasure’s Website: Medical Debt Relief Program
US Congress, Congressional Research Service:An Overview of Medical Debt: Collection, Credit Reporting, and Related Policy Issues
VTDigger February 2025 Opinion: Mike Pieciak: Medical debt relief is a direct investment in Vermonters
VT Digger April 2025 Article: Vermont Legislature passes bill to erase medical debt
Vermont Treasurer’s Office Website May 2025 Press Release: Treasurer Pieciak’s Bi-Partisan Medical Debt Relief Plan Signed into Law
Some Intuit for Education website links for you to review:
Intuit for Educationmain webpage
Intuit for Education Q&A
Entrepreneurial Finance Curriculum
Teacher Favorite: TurboTax Simulator
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