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      <title>Dr. J&#39;s Resources for Teaching for Economic and Personal Finance Education by Erin Johnston</title>
      <link>https://padlet.com/ejohnston35/7eqarlev51alam6i</link>
      <description>This is currently a work in progress. The purpose of this is to A collaborative share effective strategies, lesson ideas, and classroom tips in Economics and Personal Finance. I left &quot;remake of&quot; on any Padlet that I did not create. I will continue to add to this page as I select items and will let you know when it has everything I think you might use so you can &quot;remake&quot; to have and add resources. Please reach out to me if you have resources that you think would be useful. My goal is to give you multiple options to teach standards and objectives.</description>
      <language>en-us</language>
      <pubDate>2025-08-22 17:52:52 UTC</pubDate>
      <lastBuildDate>2025-09-07 04:37:53 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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      <item>
         <title>Next Gen Personal Finance (NGPF)</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3551900850</link>
         <description><![CDATA[Access free, up-to-date curriculum and activities for teaching personal finance and economics. NGPF offers interactive lessons, assessments, and professional development opportunities.]]></description>
         <enclosure url="https://www.ngpf.org/" />
         <pubDate>2025-08-22 17:52:58 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3551900850</guid>
      </item>
      <item>
         <title>Council for Economic Education</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3551900851</link>
         <description><![CDATA[Great source for standards-based lessons, classroom activities, and professional development for K-12 economics.]]></description>
         <enclosure url="https://econedlink.org/resources/" />
         <pubDate>2025-08-22 17:52:58 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3551900851</guid>
      </item>
      <item>
         <title>EverFi Online Financial Literacy Modules</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3551900853</link>
         <description><![CDATA[Implement EverFi's free, gamified financial literacy courses. These modules allow for self-paced student learning in budgeting, credit, saving, and investing.]]></description>
         <enclosure url="https://everfi.com/k-12/financial-education/" />
         <pubDate>2025-08-22 17:52:58 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3551900853</guid>
      </item>
      <item>
         <title>Federal Reserve Education</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3551900855</link>
         <description><![CDATA[The Federal Reserve offers free videos, interactive tools, and lesson plans for economics and personal finance, excellent for supplementing classroom instruction.]]></description>
         <enclosure url="https://www.federalreserveeducation.org/" />
         <pubDate>2025-08-22 17:52:58 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3551900855</guid>
      </item>
      <item>
         <title>EPF.E.1.1 &amp; EPF.1.2 Unit Plan Option 1</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3552981056</link>
         <description><![CDATA[<p>EPF.E.1 Understand economies, markets, and the role economic factors play in making economic decisions.</p><ul><li><p>EPF.E.1.1 Compare how individuals and governments utilize scarce resources in traditional, command, market, and mixed economies.</p></li><li><p>EPF.E.1.2 Distinguish market structures in terms of economic characteristics and the roles they play in decision-making and opportunity costs.</p></li></ul>]]></description>
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         <pubDate>2025-08-24 23:37:09 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3552981056</guid>
      </item>
      <item>
         <title>EPF.E.1.1 &amp; EPF.1.2 Unit Plan Option 2</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3552982483</link>
         <description><![CDATA[<p>EPF.E.1 Understand economies, markets, and the role economic factors play in making economic decisions.</p><ul><li><p>EPF.E.1.1 Compare how individuals and governments utilize scarce resources in traditional, command, market, and mixed economies.</p></li><li><p>EPF.E.1.2 Distinguish market structures in terms of economic characteristics and the roles they play in decision-making and opportunity costs.</p></li></ul>]]></description>
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         <pubDate>2025-08-24 23:39:19 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3552982483</guid>
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      <item>
         <title>MRU: Learn Economics,Understand Your World.</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3552988603</link>
         <description><![CDATA[<p><br/></p><p>We help econ and personal finance teachers shine by providing them with easy-to-use teaching resources (lesson plans, videos, news articles, interactive practice, etc.) that apply cognitive science to boost learning outcomes. &nbsp;</p>]]></description>
         <enclosure url="https://mru.org/" />
         <pubDate>2025-08-24 23:46:28 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3552988603</guid>
      </item>
      <item>
         <title>Econiful: Empowering Economic Thinkers</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3552989495</link>
         <description><![CDATA[<p><strong>Our Mission</strong></p><p>To strengthen economic education at the secondary level so that all students are able to apply economic principles in their personal, professional, and civic lives.&nbsp;We strive to achieve our mission by offering economic educators innovative high school lesson plans and free virtual professional development programs.</p>]]></description>
         <enclosure url="https://econiful.org/" />
         <pubDate>2025-08-24 23:48:08 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3552989495</guid>
      </item>
      <item>
         <title>Dr. J&#39;s Empowering Student with AI: Writing SMART Goals for Financial Career, and Life Success</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553003729</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet.com/padlets/fw9jrte9bdkxt4xz" />
         <pubDate>2025-08-25 00:07:30 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553003729</guid>
      </item>
      <item>
         <title>Dr. J&#39;s Adulting 101 Project Based Learning</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553042174</link>
         <description><![CDATA[<p>I divide this project out in segments over the course of the semester </p>]]></description>
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         <pubDate>2025-08-25 00:39:59 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553042174</guid>
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      <item>
         <title>EPF.MCM.3 Understand the concepts and factors  to make informed decisions for effective resource planning and money management (Option 1)</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553063903</link>
         <description><![CDATA[<p>EPF.MCM.3.1 Compare credit sources and services. EPF.MCM.3.2 Explain how debt management and creditworthiness impact an individual’s ability to become a responsible consumer and borrower. EPF.MCM.3.3 Summarize the advantages and disadvantages of debt. EPF.MCM.3.4 Classify the various types of insurance and estate planning including the benefits and consequences.</p><p><br/></p>]]></description>
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         <pubDate>2025-08-25 00:57:34 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553063903</guid>
      </item>
      <item>
         <title>EPF.MCM.1 Understand money managment skills and strategies (Option 1)</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553066435</link>
         <description><![CDATA[<p>EPF.MCM.1.1 Explain how fiscally responsible individuals create and manage a spending plan. EPF.MCM.1.2 Critique income and spending plans in terms of age, individual needs, and available resources. EPF.MCM.1.3 Compare the costs and benefits of renting, leasing, or owning. EPF.MCM.1.4 Compare various types of mortgages</p>]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-financial-education-padlet-qkcg3ufzzybke5ib" />
         <pubDate>2025-08-25 01:00:01 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553066435</guid>
      </item>
      <item>
         <title>EPF.CC.2 Understand the rights and responsibilities of buyers and sellers under consumer protection laws (Option 1)</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553069301</link>
         <description><![CDATA[<p><a rel="noopener noreferrer nofollow" href="http://EPF.CC">EPF.CC</a>.2.1 Explain how consumer protection laws contribute to the empowerment of the individual. </p><p><a rel="noopener noreferrer nofollow" href="http://EPF.CC">EPF.CC</a>.2.2 Summarize various types of fraudulent solicitation and business practices. </p><p><a rel="noopener noreferrer nofollow" href="http://EPF.CC">EPF.CC</a>.2.3 Summarize ways consumers can protect themselves from fraudulent and deceptive practices</p>]]></description>
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         <pubDate>2025-08-25 01:02:25 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553069301</guid>
      </item>
      <item>
         <title>EPF.MCM.3 Understand the concepts and factors  to make informed decisions for effective resource planning and money management (Option 1)</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553072387</link>
         <description><![CDATA[<p>EPF.MCM.2.1 Design a plan that uses the services of various financial institutions to meet financial goals. </p><p>EPF.MCM.2.2 Explain how interest and fees impact spending, debt, and savings. EPF.MCM.2.3 Compare costs and benefits of cash, debit, payment applications, and credit card transactions in terms of interest rates, fees, penalties, costs, and benefits.</p>]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-comprehensive-lesson-plan-money-and-credit-managem-g6j4z1dfz79frljw" />
         <pubDate>2025-08-25 01:05:05 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553072387</guid>
      </item>
      <item>
         <title>EPF.E1.3 &amp; 1.4 Unit Plan Option 1</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553075348</link>
         <description><![CDATA[<p>EPF.E.1.3 Explain how supply and demand determine equilibrium price and quantity produced.</p><p>EPF.E.1.4 Compare the ways in which incentives and profits influence what is produced and distributed in a market system. </p>]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-epf-institute-objectives-project-i6a84tx5g2ezepnn" />
         <pubDate>2025-08-25 01:08:00 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553075348</guid>
      </item>
      <item>
         <title>EPF.E1.3 &amp; 1.4 Unit Plan Option 2</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553079498</link>
         <description><![CDATA[<p>EPF.E.1.3 Explain how supply and demand determine equilibrium price and quantity produced.</p><p>EPF.E.1.4 Compare the ways in which incentives and profits influence what is produced and distributed in a market system. </p>]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-epf-e-1-3-1-4-ht7o1clt9savm5sq" />
         <pubDate>2025-08-25 01:11:03 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553079498</guid>
      </item>
      <item>
         <title>EPF.FP.1.1-1.3 Option 1</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553082376</link>
         <description><![CDATA[<p><strong>EPF.FP.1.1 </strong>Compare various investing strategies and tax implications for their potential to build wealth.</p><p><strong>EPF.FP.1.2 </strong>Identify factors (i.e. income, budget, cost of living, experiences) that influence financial planning.</p><p><strong>EPF.FP.1.3 </strong>Summarize the role of philanthropy, volunteer services, businesses, and nonprofits in community development and quality of life.</p>]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-group-12-epf-fp-1-yvwk040420sbx5fg" />
         <pubDate>2025-08-25 01:13:19 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553082376</guid>
      </item>
      <item>
         <title>EPF.IE.2.1-2.3 Option 1</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553085638</link>
         <description><![CDATA[<p><a rel="noopener noreferrer nofollow" href="http://EPF.IE">EPF.IE</a>.2.1 Explain how payroll deductions modify an employee’s disposable income. <a rel="noopener noreferrer nofollow" href="http://EPF.IE">EPF.IE</a>.2.2 Identify the types and purposes of local, state, and federal taxes and the way each is levied and used. </p><p><a rel="noopener noreferrer nofollow" href="http://EPF.IE">EPF.IE</a>.2.3 Implement appropriate computations and procedures to prepare a federal or state tax form</p>]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-group-08-unit-plan-epf-ie-2-understand-the-purpose-ldiol0metbpi8wb2" />
         <pubDate>2025-08-25 01:15:23 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553085638</guid>
      </item>
      <item>
         <title></title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553088324</link>
         <description><![CDATA[<p><a rel="noopener noreferrer nofollow" href="http://EPF.IE">EPF.IE</a>.1.1 Explain how education, income, career, and life choices impact an individual’s financial plan and goals. </p><p><a rel="noopener noreferrer nofollow" href="http://EPF.IE">EPF.IE</a>.1.2 Differentiate career and education options after high school in terms of desired lifestyle</p>]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-group-6-95buwaym0qhmxdcr" />
         <pubDate>2025-08-25 01:17:01 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553088324</guid>
      </item>
      <item>
         <title></title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553090132</link>
         <description><![CDATA[<p>EPF.E.4.1 Explain the impact of trade on the interdependence between nations. </p><p>EPF.E.4.2 Explain how North Carolina contributes to and benefits from the United States and world economies</p>]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-interdependence-lesson-plan-148klh8hvxs3i7ej" />
         <pubDate>2025-08-25 01:18:10 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553090132</guid>
      </item>
      <item>
         <title></title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553092167</link>
         <description><![CDATA[<p><a rel="noopener noreferrer nofollow" href="http://EPF.IE">EPF.IE</a>.1.3 Identify the costs of postsecondary education and the potential increase in income from a career of choice. <a rel="noopener noreferrer nofollow" href="http://EPF.IE">EPF.IE</a>.1.4 Compare strategies which can minimize the costs of postsecondary education. </p><p><a rel="noopener noreferrer nofollow" href="http://EPF.IE">EPF.IE</a>.1.5 Summarize various types of income</p>]]></description>
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         <pubDate>2025-08-25 01:19:21 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553092167</guid>
      </item>
      <item>
         <title>Option 2</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553093967</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-understanding-taxes-and-their-impact-on-income-i16rwzhr8wpxwxf0" />
         <pubDate>2025-08-25 01:20:25 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553093967</guid>
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      <item>
         <title>Option 2</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553096043</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-money-and-credit-management-2-1-2-2-2-3-wffd4llrosdjc7zh" />
         <pubDate>2025-08-25 01:21:47 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553096043</guid>
      </item>
      <item>
         <title></title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553099892</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-government-and-the-economy-qu6zs01h10gk3aqi" />
         <pubDate>2025-08-25 01:23:48 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553099892</guid>
      </item>
      <item>
         <title>Option 1</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553103692</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-epf-group-3-unit-project-8-1524-2o2p58hoisfh6sdj" />
         <pubDate>2025-08-25 01:26:11 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553103692</guid>
      </item>
      <item>
         <title>Option 2</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553107167</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet.com/caldwellcountyschools/remake-of-personal-finance-lesson-plan-government-s-role-in--5r1f1vikzht1v7iy" />
         <pubDate>2025-08-25 01:28:19 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553107167</guid>
      </item>
      <item>
         <title>Raft Activity Student Handout </title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553126369</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://docs.google.com/document/d/1Dk81bHLZxhyh6rA4HbTcVnBuCTnRYk99/edit?usp=sharing&amp;ouid=101737220771407120130&amp;rtpof=true&amp;sd=true" />
         <pubDate>2025-08-25 01:40:57 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553126369</guid>
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      <item>
         <title>Raft Activity: Student Raft Handout</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553128727</link>
         <description><![CDATA[<p>I copy this on the back of page 1 of the first student handout. I find that having both partners fill in the worksheet increases overall engagement level.</p>]]></description>
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         <pubDate>2025-08-25 01:42:51 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553128727</guid>
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      <item>
         <title>Intro to Economics Presentation</title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553130861</link>
         <description><![CDATA[<p>Note: I find it best to skip the example of how the raft could be filled in.</p>]]></description>
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         <pubDate>2025-08-25 01:44:22 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553130861</guid>
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      <item>
         <title></title>
         <author>ejohnston35</author>
         <link>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553139341</link>
         <description><![CDATA[]]></description>
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         <pubDate>2025-08-25 01:50:57 UTC</pubDate>
         <guid>https://padlet.com/ejohnston35/7eqarlev51alam6i/wish/3553139341</guid>
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      <item>
         <title>EPF Suggested pacing guide with Adulting 101 PBL</title>
         <author>ejohnston35</author>
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