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Outtlearn

Curriculum

Twelve classes, start to finish

Each class has its own page, with the topics, the practical activity and the learning outcome.

Week 01

Earn and manage your money

Your first paycheck is not the same as the money that reaches your bank.

Students explore what happens between earning money and actually receiving it.

Hand-drawn sketch of a payslip flowing into a piggy bank beside a budget grid and coins.
  1. 01The First PaycheckReading a US pay stub, and the gap between gross pay and net pay.
  2. 02Taxes and Pay TypesFederal taxes, common deductions, and the difference between W-2 and 1099 income.
  3. 03Everyday BankingChecking, savings and running a first account without avoidable fees.
  4. 04The Monthly BudgetBuilding a monthly budget that survives a surprise bill.

What students create

A paycheck breakdown and a practical monthly budget.

Week 02

Borrow, protect and grow your money

Making money is one thing. Making good decisions with it is another.

Students explore how financial products work, where money can be lost and how it can grow.

Hand-drawn sketch of a credit card beside a protective shield and a plant growing from a stack of coins.
  1. 05Credit Cards and APRHow credit cards work, and what a balance really costs at minimum payments.
  2. 06Compound InterestThe arithmetic of compounding, and why the earliest dollars do the most work.
  3. 07Saving versus InvestingWhat saving is for, what investing is for, and how risk fits in.
  4. 08Insurance and SafetyInsurance basics, and the scams built to separate teenagers from money.

What students create

A credit repayment comparison, a savings and growth exercise, and practical financial safety decisions.

Week 03

Invest, compare and plan your financial future

Good financial decisions are rarely about choosing the cheapest or most attractive option. They are about understanding the numbers.

Students bring together their learning to evaluate larger financial decisions.

Hand-drawn sketch of an ascending bar chart, a balance scale and a graduation cap.
  1. 09Stocks, Bonds and FundsThe three core investments, compared side by side.
  2. 10Risk and Interest RatesRisk and potential returns, and how interest rates move decisions.
  3. 11College and Big DecisionsCollege costs, loans, and the true price of major purchases.
  4. 12The Capstone ChallengeOne complete money plan, built and defended out loud.

What students create

A personal financial decision plan and preparation for the Outtlearn capstone challenge.

All financial examples used in class are hypothetical and clearly labeled.

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