Every unit, every lesson, and the Financial Competency Framework™ domain each unit builds, across four developmental bands. Counted from the built Student Activity Packs, not from a plan.
| L1.1.1 | Money Is a Tool |
| L1.1.2 | Coins and Bills |
| L1.1.3 | Earning |
| L1.1.4 | Spending |
| L1.1.5 | Needs and Wants |
| L1.1.6 | Saving |
| L1.1.7 | Giving |
| L1.1.8 | My First Money Day |
| L1.1.9 | Before Money |
| L1.1.10 | Money You Cannot See |
| L1.2.1 | Need or Want? |
| L1.2.2 | My Own List |
| L1.2.3 | Miller at the Shop |
| L1.2.4 | Sorting Day |
| L1.2.5 | First, Then |
| L1.2.6 | It Depends |
| L1.2.7 | The Waiting Shelf |
| L1.2.8 | Naiya's Three Coins |
| L1.2.9 | Ask a Grown-Up |
| L1.2.10 | Unit wrap-up |
| L1.3.1 | What Is Saving? |
| L1.3.2 | My Saving Goal |
| L1.3.3 | The Saving Jar |
| L1.3.4 | Brooke-Lynn’s Birthday Plan |
| L1.3.5 | Patience Pays Off |
| L1.3.6 | Where To Keep It |
| L1.3.7 | If I Spend My Savings |
| L1.3.8 | Saving Every Time |
| L1.3.9 | The Crew Saves Together |
| L1.3.10 | Show What You Know |
| L1.4.1 | What Is Giving? |
| L1.4.2 | Giving or Spending? |
| L1.4.3 | Giving In Our Traditions |
| L1.4.4 | The Giving Jar |
| L1.4.5 | Places That Receive |
| L1.4.6 | Ava’s Fundraiser |
| L1.4.7 | What Does a Charity Do? |
| L1.4.8 | Giving Time |
| L1.4.9 | The Crew’s Community Project |
| L1.4.10 | Show What You Know |
| L2.1.1 | Sort the Earner |
| L2.1.2 | Your Hidden Value |
| L2.1.3 | Is This a Real Business? |
| L2.1.4 | Miller’s Market Stall |
| L2.1.5 | When the Rain Comes |
| L2.1.6 | Where Did the Money Go? |
| L2.1.7 | What Taxes Buy |
| L2.1.8 | Ask For What You’re Worth |
| L2.1.9 | From Hobby to Income |
| L2.1.10 | Show What You Know |
| L2.2.1 | The Trade-Off Problem |
| L2.2.2 | The Best Price Hunt |
| L2.2.3 | Unit Price Math |
| L2.2.4 | The Impulse Trap |
| L2.2.5 | Spot the Trick |
| L2.2.6 | Ava’s Dilemma |
| L2.2.7 | The Gray Zone |
| L2.2.8 | Macon’s $20 Art Station |
| L2.2.9 | The Spending Log |
| L2.2.10 | Show What You Know |
| L2.3.1 | Why Saving Is Hard |
| L2.3.2 | Set a SMART Goal |
| L2.3.3 | Money That Grows |
| L2.3.4 | Short and Long |
| L2.3.5 | Sai’s Three Jars |
| L2.3.6 | What Is a Bank Account? |
| L2.3.7 | What If I Dip In? |
| L2.3.8 | Saving as a Habit |
| L2.3.9 | Naiya’s Long Game |
| L2.3.10 | Show What You Know |
| L2.4.1 | What Is a Budget? |
| L2.4.2 | Fixed or Variable? |
| L2.4.3 | 50 / 30 / 20 |
| L2.4.4 | Planned vs Actual |
| L2.4.5 | Miller’s Business Budget |
| L2.4.6 | When Income Drops |
| L2.4.7 | The Ones You Forget |
| L2.4.8 | Family Budgets |
| L2.4.9 | The Crew’s Budget Challenge |
| L2.4.10 | Show What You Know |
| L2.5.1 | Follow the Dollar |
| L2.5.2 | The Community Subscription |
| L2.5.3 | Giving as a Choice |
| L2.5.4 | Ava’s Community Project |
| L2.5.5 | Local or Online? |
| L2.5.6 | Banks in a Neighborhood |
| L2.5.7 | Why Some Places Have More |
| L2.5.8 | If Everyone Gave $1 More |
| L2.5.9 | The Crew’s Action Plan |
| L2.5.10 | Band 2 Capstone |
| L3.1.1 | What Money Actually Is |
| L3.1.2 | Gross Pay and the Money You Never See |
| L3.1.3 | Inside a Bank |
| L3.1.4 | What Borrowing Actually Costs |
| L3.1.5 | Opportunity Cost Is Always Charged |
| L3.1.6 | The Time Value of Patience |
| L3.1.7 | Building Your First Budget |
| L3.1.8 | Forces You Did Not Choose |
| L3.1.9 | Choosing Where to Bank |
| L3.1.10 | Sai's Financial Snapshot |
| L3.2.1 | Where Did $177 Go? |
| L3.2.2 | The W-4 Question |
| L3.2.3 | Tax Day Isn't Optional |
| L3.2.4 | Refund or Bill? |
| L3.2.5 | Hourly vs. Salary: Sai's Decision |
| L3.2.6 | Your Benefits Are Pay |
| L3.2.7 | Ava's Side Hustle |
| L3.2.8 | Minimum Wage vs. Living Wage |
| L3.2.9 | Income Growth Pathways |
| L3.2.10 | Pay Stub Mastery |
| L3.3.1 | What Are You Building? |
| L3.3.2 | The Score That Follows You |
| L3.3.3 | The Credit Card Trap |
| L3.3.4 | Before You Sign |
| L3.3.5 | The Math of Exploitation |
| L3.3.6 | Save or Finance? |
| L3.3.7 | Building Credit Before 18 |
| L3.3.8 | When Someone Uses Your Name |
| L3.3.9 | Reading a Credit Report |
| L3.3.10 | The Borrowing Decision Framework |
| L3.4.1 | Every Dollar Is a Vote |
| L3.4.2 | The Psychology of Impulse |
| L3.4.3 | Unit Price Beats Sticker Price |
| L3.4.4 | Advertising Literacy |
| L3.4.5 | Lifestyle Inflation |
| L3.4.6 | Brooke-Lynn's Cultural Budget |
| L3.4.7 | Building a Simple Budget |
| L3.4.8 | The Subscription Audit |
| L3.4.9 | Creative Frugality |
| L3.4.10 | Present Your Spending Plan |
| L3.5.1 | The Invisible Multiplier |
| L3.5.2 | Where to Park Your Money |
| L3.5.3 | What an Index Fund Actually Is |
| L3.5.4 | The Stock Market |
| L3.5.5 | Risk and Return |
| L3.5.6 | Sai Opens a Custodial Roth IRA |
| L3.5.7 | Emergency Fund First |
| L3.5.8 | What Is Your Savings Rate? |
| L3.5.9 | Inflation Is a Silent Tax |
| L3.5.10 | The Compound Interest Challenge |
| L3.6.1 | The Blueprint |
| L3.6.2 | Sai's Income Plan |
| L3.6.3 | Sai's Spending Plan |
| L3.6.4 | Sai's Debt Strategy |
| L3.6.5 | Sai's Savings and Investment Plan |
| L3.6.6 | Sai's Credit Plan |
| L3.6.7 | Crew Blueprint Review |
| L3.6.8 | Portfolio Presentation |
| L3.6.9 | The Plan Meets Reality |
| L3.6.10 | One Year Later |
| L4.1.1 | Four Ways to Get Paid |
| L4.1.2 | Forty Years, One Number |
| L4.1.3 | Human Capital |
| L4.1.4 | The Debt-to-Income Reality Check |
| L4.1.5 | Benefits Are Money Too |
| L4.1.6 | Research, Ask, Counter, Close |
| L4.1.7 | Pricing Your Own Time |
| L4.1.8 | Brackets, Marginal, Effective |
| L4.1.9 | The 15.3% Nobody Mentions |
| L4.1.10 | Your Personal Income Statement |
| L4.1.11 | Macon's Career Pivot |
| L4.1.12 | One Stream Is a Vulnerability |
| L4.1.13 | Your 10-Year Income Roadmap |
| L4.1.14 | Earning Domain Checkpoint |
| L4.2.1 | Debt Is a Tool |
| L4.2.2 | The Credit Card Trap |
| L4.2.3 | Read Before You Sign |
| L4.2.4 | Who Is Really Selling You Money? |
| L4.2.5 | The Biggest Loan Most People Take |
| L4.2.6 | The Math of Exploitation |
| L4.2.7 | Two Borrowing Stories |
| L4.2.8 | Debt-to-Income |
| L4.2.9 | When Starting Over Makes Sense |
| L4.2.10 | Good Debt, Bad Debt, and the Limits |
| L4.2.11 | The Cash-Only Case |
| L4.2.12 | The Borrowing Decision Framework |
| L4.3.1 | The Number That Follows You |
| L4.3.2 | Reading the Report |
| L4.3.3 | Building From Zero |
| L4.3.4 | The 30% Rule |
| L4.3.5 | Hard and Soft |
| L4.3.6 | How It Actually Happens |
| L4.3.7 | The Strongest Protection There Is |
| L4.3.8 | Ava's Credit Journey |
| L4.3.9 | Renting With Credit |
| L4.3.10 | Credit and Your Car Insurance |
| L4.3.11 | Disputing an Error |
| L4.3.12 | The Five-Year Credit Blueprint |
| L4.4.1 | The Compound Interest Clock |
| L4.4.2 | Risk and Return |
| L4.4.3 | What You Actually Own |
| L4.4.4 | Why Simple Beats Clever |
| L4.4.5 | Free Money You Cannot Skip |
| L4.4.6 | Roth or Traditional |
| L4.4.7 | Investing on Autopilot |
| L4.4.8 | The Silent Killer |
| L4.4.9 | Volatility Is Not Loss |
| L4.4.10 | Crypto, Meme Stocks and FOMO |
| L4.4.11 | The Ten-Year Head Start |
| L4.4.12 | Your First Investment Plan |
| L4.5.1 | Risk Is Real |
| L4.5.2 | Your First Line of Defence |
| L4.5.3 | Health Insurance, Decoded |
| L4.5.4 | What You Are Actually Buying |
| L4.5.5 | The Cheap One Nobody Buys |
| L4.5.6 | Protecting Income Itself |
| L4.5.7 | Spot It, Stop It |
| L4.5.8 | Scams Built for You |
| L4.5.9 | Locking the Doors |
| L4.5.10 | Reading the Fine Print |
| L4.5.11 | Naiya's Close Call |
| L4.5.12 | Your Personal Protection Plan |
| L4.6.1 | What Is a Financial Plan? |
| L4.6.2 | Money Serves Your Life |
| L4.6.3 | The Personal Budget |
| L4.6.4 | Net Worth |
| L4.6.5 | The 18-to-30 Money Map |
| L4.6.6 | Paying for the Next Step |
| L4.6.7 | The First Paycheck Plan |
| L4.6.8 | Your Banking and Credit System |
| L4.6.9 | Generosity by Design |
| L4.6.10 | When the Plan Breaks |
| L4.6.11 | The Ten-Year Reunion |
| L4.6.12 | Present Your Blueprint |
| L4.7.1 | The Sticker Price Lie |
| L4.7.2 | Sticker, Gift, Net |
| L4.7.3 | Gift or Self-Help? |
| L4.7.4 | Run the Calculator Yourself |
| L4.7.5 | Free Money Has a Front Door |
| L4.7.6 | Who Counts as a Contributor? |
| L4.7.7 | The Document Hunt |
| L4.7.8 | SAI, Not EFC |
| L4.7.9 | Reading the Letter Like a Contract |
| L4.7.10 | The One That Reads Generously |
| L4.7.11 | Questions for the Aid Office |
| L4.7.12 | Three Paths, Side by Side |
| L4.7.13 | Every Path Gets Funded |
| L4.7.14 | Show What You Know |
| L4.8.1 | Gift or Debt? |
| L4.8.2 | Principal, Interest, Rate |
| L4.8.3 | Subsidised or Unsubsidised |
| L4.8.4 | The Reference Table |
| L4.8.5 | The Projection Tool |
| L4.8.6 | Watch It Grow |
| L4.8.7 | How Much Is Too Much? |
| L4.8.8 | Ava Becomes a Nurse |
| L4.8.9 | Macon Chooses HVAC |
| L4.8.10 | Grace, Deferment, Default |
| L4.8.11 | The Debt-Free Route |
| L4.8.12 | Two Offers, One Decision |
| L4.8.13 | Your Borrowing Statement |
| L4.8.14 | Show What You Know |
| L4.9.1 | Frame the Choice |
| L4.9.2 | The Paths Menu |
| L4.9.3 | Narrow to Three |
| L4.9.4 | Research Your Path |
| L4.9.5 | The Money Math |
| L4.9.6 | The Borrowing Guardrail |
| L4.9.7 | Gross Is Not Take-Home |
| L4.9.8 | Your First-Year Budget |
| L4.9.9 | Does It Balance? |
| L4.9.10 | Credit-Building First Steps |
| L4.9.11 | Your Safety Net |
| L4.9.12 | Deadlines and Checklist |
| L4.9.13 | Peer Review |
| L4.9.14 | The Launch Plan |