JA Financial Literacy Course
JA Financial Literacy Course
Course contents
Unit 1: Employment, Income & Financial Decision-Making
Unit 2: Money Management & Financial Institutions
Unit 3: Credit, Debt & Consumer Protection
Unit 4: Planning for the Future & Financial Independence
Unit 4
Planning for the Future & Financial Independence
“What do I need to start doing now so future-me is financially independent?”
Learners explore how saving, investing, risk management, and long-term planning work together to support financial independence, following Amara through time jumps across a lifetime.
TOPIC 1: Investing vs. Saving
This topic explores how money grows over time and how to decide when to save and when to invest. Students analyze compound interest, compare financial options, and examine how risk, return, liquidity, and time influence long-term outcomes.
The Student Guide is the compiled booklet of this topic’s student activities; the Student Materials under each Five E section below are the same activities as individual PDFs.
TOPIC 2: Investing Basics & Asset Growth
This topic expands students’ understanding of investment strategy by exploring how risk, return, time horizon, diversification, active and passive investing, and inflation shape long-term investment decisions. Students evaluate investment options, analyze trade-offs, and apply these ideas to make informed choices that support long-term financial goals.
The Student Guide is the compiled booklet of this topic’s student activities; the Student Materials under each Five E section below are the same activities as individual PDFs.
TOPIC 3: Risk Management & Insurance
This topic expands students’ understanding of financial risk by exploring how individuals manage uncertainty through risk strategies, insurance, personal decision making, and financial protections. Students examine the role of government regulation and ethical financial professionals in maintaining fair and transparent markets, and evaluate how risk tolerance, behavioral biases, and preparation influence financial outcomes. They apply these ideas to make informed choices that support long-term financial stability.
The Student Guide is the compiled booklet of this topic’s student activities; the Student Materials under each Five E section below are the same activities as individual PDFs.
TOPIC 4: Long-Term Financial Planning & Insurance Needs
This topic expands students’ understanding of long-term financial planning by exploring how retirement systems, insurance, estate planning, and financial decision making work together to support financial independence over time. Students analyze how protection strategies, investment growth, and planning decisions interact across different stages of life and evaluate how those choices shape long-term financial stability, risk, and independence.
The Student Guide is the compiled booklet of this topic’s student activities; the Student Materials under each Five E section below are the same activities as individual PDFs.