High School · Grade 10 · Ages 15–16
Debt, Insurance and Big Goals
Adult decisions ahead
Grade 10 looks directly at the paperwork of adult life — the things students will sign within a few years of leaving school, usually without anyone having explained them. Credit cards and loans are examined honestly: what borrowing buys, what it costs, and how repayment strategies differ when you run the numbers.
The year in depth
Insurance gets the treatment it never gets: what it is actually for, when it is worth it, and how to read what a policy does and does not cover. Retirement enters the program decades early — not as a lecture about being old, but as compound interest running in the student's favour for once. The year closes on the big goals: a first car, an education, a home — and what a realistic savings plan toward one looks like on a modest income.
What your students learn
- Compare debt-repayment options with actual arithmetic, not vibes
- Explain what insurance protects, and read a policy's coverage critically
- Show why starting retirement saving at twenty beats starting at thirty-five
- Build a savings plan for a big goal on a realistic income
For the teacher
Teacher-led classroom unit: session plans, repayment-comparison and policy-reading activities, written assessments — fits economics or life-skills periods.