For Your State
California and Kentucky lead. Every other state is welcome.
California and Kentucky editions are shown here because their graduation requirements set the earliest deadlines. Districts in any state are welcome — the curriculum travels as-is; we map it to your state’s standards.
One Course, Built For Your State
Same course. Your state's standard.
S3QUOYAH for Schools is a single 18-week course in six units. The lessons, the Four-Question Method, and the compounding spine are identical in every classroom — only the standards edition changes. California teachers receive the AB 2927 edition; Kentucky teachers receive the Kentucky Academic Standards edition.
California
AB 2927
13-topic Curriculum Guide
- Unit 1 — Money Itself
- Unit 2 — The Four-Question Method
- Unit 3 — Building
- Unit 4 — The New Rails
- Unit 5 — Defense
- Unit 6 — Capstone
Kentucky
KAS Financial Literacy
FL.H.1–FL.H.26
Two standards. One course.
California · AB 2927
Mapped session-by-session to the requirement.
AB 2927: standalone one-semester personal finance course offered by 2027–28; graduation requirement for the class of 2030–31. The State Board of Education adopted the Personal Finance Curriculum Guide on March 11, 2026.
S3QUOYAH for Schools maps session-by-session to the requirement; the standards matrix ships with every unit.
Architecture is SIS-agnostic — it works alongside whatever student data system your district already runs.
California · AB 2927
All 13 required topics. Covered.
S3QUOYAH for Schools maps to every personal finance topic California requires under AB 2927 — each one carried by a specific unit and documented session-by-session in the unit Standards Alignment Matrices.
1Fundamentals of banking for personal use, including but not limited to, savings, checking, minimizing fees, and digital finance.
Unit 1 — Money ItselfUnit 3 — BuildingUnit 1 — Money ItselfUnit 3 — Building2Principles of budgeting for independent living.
Unit 3 — BuildingUnit 3 — Building3Employment and factors affecting net income, including the topics described in subdivision (a) of Section 49110.5.
Unit 3 — BuildingUnit 2 — The Four-Question MethodUnit 3 — BuildingUnit 2 — The Four-Question Method4Uses and effects of credit, including managing credit scores, the relation of debt and interest to credit, and predatory lending.
Unit 3 — BuildingUnit 5 — DefenseUnit 3 — BuildingUnit 5 — Defense5Uses and costs of loans, including student loans, as well as policies that provide student loan forgiveness.
Unit 3 — BuildingUnit 3 — Building6Types and costs of insurance, including home, auto, health, and life insurance.
Unit 5 — DefenseUnit 5 — Defense7Impacts of the tax system, including its impact on personal income, the process to file taxes, and how to read tax forms and pay stubs.
Unit 3 — BuildingUnit 3 — Building8Principles of investing and wealth building, including investment alternatives to build financial security, including tax-advantaged investments such as pensions and 401(k) plans, individual retirement accounts (IRAs), and stocks, bonds, mutual funds, and index funds.
Unit 3 — BuildingUnit 2 — The Four-Question MethodUnit 3 — BuildingUnit 2 — The Four-Question Method9Enhancing consumer protection skills by raising awareness of common scams and frauds and preventing identity theft.
Unit 5 — DefenseUnit 1 — Money ItselfUnit 5 — DefenseUnit 1 — Money Itself10Identifying means to finance college, workforce education, low-cost community college options, and other career technical education pathways or apprenticeships. Financing options covered may include scholarship, merit aid, and student loans.
Unit 3 — BuildingUnit 3 — Building11Understanding how psychology can impact one’s financial well-being.
Unit 5 — DefenseUnit 3 — BuildingUnit 5 — DefenseUnit 3 — Building12Charitable giving.
Unit 3 — BuildingUnit 3 — Building13Other topics that are directly and specifically relevant to personal finance.
May include: purchasing vs. leasing a vehicle; renting vs. buying a home; and California-specific financial information (California Dream Act, Cal Grant, CalKIDS).
Unit 4 — The New RailsUnit 2 — The Four-Question MethodUnit 5 — DefenseUnit 3 — BuildingUnit 4 — The New RailsUnit 2 — The Four-Question MethodUnit 5 — DefenseUnit 3 — Building
Unlike Kentucky, which organizes its requirement as the six KAS Financial Literacy strands, California structures its requirement as the 13-topic Personal Finance Curriculum Guide adopted by the State Board on March 11, 2026. This checklist maps S3QUOYAH for Schools to those 13 topics; the same six units satisfy both states' standards.
California's 13 required personal finance topics — Education Code § 51284.5(a)(1)–(13), as adopted in the State Board of Education's Personal Finance Curriculum Guide (March 11, 2026) under AB 2927. Session-by-session mapping is documented in the S3QUOYAH for Schools Unit Standards Alignment Matrices.
The market doesn't have emotions.
All 50 states
Built for every district. Mapped to yours.
S3QUOYAH for Schools is a complete personal finance curriculum, available to public, private, and parochial schools in all 50 states. California and Kentucky lead because their mandates arrived first — but the course doesn’t change at the state line. Only the standards alignment does, and we build that mapping for your state as part of adoption.