knowledge related to one’s potential career. Learning Objective 2 significantly ties to conceptual and
procedural knowledge as students first learn about various taxes and apply these findings to their own
salary. Students then analyze the impact of taxes on an earnings increase. Learning Objective 3 targets
students’ ability to recognize the impact of spending choices on a personal budget. Finally, Learning
Objective 4, related to debt, allows students to develop conceptual knowledge as they learn about student
loans and credit cards. Learning Objectives 3 and 4 achieve metacognitive knowledge via a series of
reflective questions that require students to express their feelings about debt and evaluate their spending
choices. Learning Objective 5 develops conceptual knowledge with a group of exercises on retirement
savings. Students then analyze and evaluate their retirement savings under the differing scenarios,
resulting in additional conceptual knowledge.