Kentucky
9th-12th Grades
State Standards
Career Studies
Essential Skills
ADAPTABILITY
ES.H.1Use a decision-making process to develop solutions to real world problems.
ES.H.2Model flexibility and willingness to try new things (e.g., critical thinking, problem solving).
COMMUNICATION
ES.H.17Initiate and participate effectively in a range of collaborative discussions with diverse partners, building on others' ideas and expressing their own clearly and persuasively.
ES.H.17.aWork with peers to set rules for collegial discussions and decision-making (e.g., informal consensus, taking votes on key issues, presentation of alternate views), clear goals and deadlines and individual roles as needed.
ES.H.17.bSpeak clearly at an understandable pace using appropriate facts and relevant, descriptive details and complete sentences when appropriate.
ES.H.17.cPropel conversations by posing and responding to questions that probe reasoning and evidence; ensure a hearing for a full range of positions on a topic or issue; clarify, verify, or challenge ideas and conclusions; and promote divergent and creative perspectives.
ES.H.17.dRespond thoughtfully to diverse perspectives; synthesize comments, claims, and evidence made on all sides of an issue; resolve contradictions when possible; and determine what additional information or research is required to deepen the investigation or complete the task.
ES.H.17.ePresent information, findings and supporting evidence, conveying a clear and distinct perspective, such that listeners can follow the line of reasoning, alternative or opposing perspectives are addressed, and the organization, development, substance, and style are appropriate to purpose, audience and a range of formal and informal tasks.
ES.H.17.fAdapt speech, using both verbal and nonverbal skills, to a variety of situations, demonstrating command of formal English when appropriate.
ES.H.18Respect individual differences and work collaboratively with people of diverse backgrounds, viewpoints and experiences.
ES.H.19Practice effective conflict resolution strategies.
DILIGENCE
ES.H.3Demonstrate resilience and perseverance by showing willingness to complete a task.
ES.H.4Outline and examine goals and priorities necessary to complete tasks.
DRUG-FREE
ES.H.15Identify and explain the consequences of substance abuse.
ES.H.16Explain the need for random drug screening.
INITIATIVE
ES.H.5Evaluate failure as a learning opportunity.
ES.H.6Model on-task behavior.
ES.H.7Demonstrate and evaluate personal responsibility and pride in assigned work (e.g., asking clarifying questions, self-directed learning, self-initiated learning, quality of work).
ES.H.8Document and reflect upon mastered skills (e.g., portfolio, resume, application packet, etc.).
KNOWLEDGE
ES.H.10Defend important concepts in learning to an authentic audience (e.g., city council, business and community partners).
ES.H.9Apply important concepts in reading, writing, mathematics, science and technology to solve real-world problems.
RELIABILITY
ES.H.11Demonstrate consistent punctuality in a variety of activities.
ES.H.12Propose appropriate attire for various situations.
ES.H.13Practice ethical behavior (e.g., honesty, trust, compassion, acceptance) in various situations.
ES.H.14Model self-control in all situations.
Careers
APPLICATION
C.H.11Identify and follow agreed-upon work skills (e.g., attendance, respect, preparedness, quality of work, time-management) that are necessary for both the classroom and workplace.
EXPLORATION
C.H.1Explore various post-secondary options related to chosen career cluster or pathway.
C.H.2Develop a plan for the expense of post-secondary education, including possible sources of funding (e.g., loans, scholarships, grants, military).
PREPARATION
C.H.10Assess the relationship between personal behavior and employability (e.g., academic achievement, industry certifications, extracurricular activities, community involvement, driving record, impact of online behavior).
C.H.3Examine a variety of resources available in selecting and planning for various occupations in a career cluster or pathway.
C.H.4Develop common skills (e.g., academic and technical, including extracurricular activities, community experience, volunteer work, etc.) that allow for a variety of opportunities in a chosen career pathway.
C.H.5Assess and modify the educational plan to prepare for future career opportunities by:
C.H.5.acreating and continuously updating the Individual Learning Plan.
C.H.5.bmaking decisions and setting goals for future plans.
C.H.5.cdemonstrating appropriate job seeking skills (e.g., college applications and scholarships, completing resume, job applications, participating in mock interviews).
C.H.6Explore opportunities to develop skills needed to obtain and retain a job/career (e.g., visiting post-secondary institutions, apprenticeships, internships).
C.H.7Evaluate a chosen career, including educational requirements, skills necessary to perform the job, potential earnings and job outlook in a geographical area.
C.H.8Research and predict additional requirements/training that would create opportunities of growth within the career/field.
C.H.9Practice being a good digital citizen (e.g., intellectual property, copyright, online reputation, cyberbullying, digital footprint).
Financial Literacy
CAREERS, EDUCATION & INCOME
FL.H.1Identify the financial impacts of a career choice.
FL.H.1.aExamine the relationship between personal financial goals and career choice.
FL.H.1.bEvaluate the correlation between education, training and potential lifetime income.
FL.H.1.cCompare the advantages and disadvantages of being an employee versus being self-employed.
FL.H.2Analyze how economic conditions can affect income and career opportunities (e.g., job outlook and cost of living).
FL.H.3Evaluate the costs of funding sources for post-secondary education and training.
FL.H.3.aIdentify funding sources (e.g., loans, scholarships, grants, work-study, military) to assist in post-secondary education opportunities and applicable costs.
FL.H.3.bExamine the process for and benefits of Free Application for Federal Student Aid (FAFSA) completion.
CREDIT & DEBT
FL.H.6Develop strategies to control and manage credit and debt.
FL.H.6.aInterpret the components of a credit report.
FL.H.6.bInvestigate ways that credit scores can affect a consumer's financial options.
FL.H.6.cCompare the organizations providing credit counseling services.
FL.H.6.dUnderstand the causes of and implications of bankruptcy.
FL.H.7Analyze the costs and benefits of using credit.
FL.H.7.aDiscuss the purpose and role of credit and explain the value of building and maintaining a healthy credit rating, including elements of creditworthiness: character, capacity, capital, collateral and conditions.
FL.H.7.bIdentify the advantages and disadvantages of basic types of credit (e.g., unsecured versus secured credit, credit cards, installment loans, revolving credit, student loans and predatory lenders).
FL.H.7.cDescribe the risks, responsibilities and rights associated with using credit (e.g., APR, grace period, late fees, finance charges, default rates, interest and closing costs).
DECISION MAKING & MONEY MANAGEMENT
FL.H.10Identify the components of a personal budgeting process:
FL.H.10.aAlign goals with desired lifestyle expectations.
FL.H.10.bDevelop a budget based on calculated income.
FL.H.10.cIdentify and prioritize fixed, variable, and periodic expenses.
FL.H.10.dEmphasize proactive budget priorities (e.g., pay yourself first, emergency fund, insurance, charitable contributions).
FL.H.10.eCompare tools for tracking a budget, income and expenditures (e.g., envelope system, paper tracking, online/software options).
FL.H.10.fEmphasize comparison shopping, buying strategies, negotiation, sales/marketing strategies.
FL.H.10.gDevelop a system for maintaining personal financial documents including proper storage and disposal.
FL.H.11Identify the major types of financial institutions and their products and services (e.g., CD, money market, checking/savings accounts).
FL.H.12Demonstrate how to use different payment methods including checks, debit cards and digital services.
FL.H.13Compare various types of financial professionals (e.g., planners, counselors, CPAs, investment consultants, insurance agents), their credentials, compensation methods, selection criteria and possible conflicts of interest.
FL.H.8Identify why people make financial choices: Evaluate the role of emotions, attitudes and behavior; Recognize responsibility for financial decisions and consequences; Analyze opportunity costs.
SFL.H.9Apply a formal decision-making model to make financial decisions (e.g., PACED: Identify the Problem; List Alternatives; Explain Criteria; Evaluate; Decide).
INSURANCE & RISK MANAGEMENT
FL.H.23Identify common types of risk management strategies, including insurance, legal contracts, emergency funds and estate planning.
FL.H.24Analyze the costs and benefits of using various insurance management strategies.
Identify the major types of insurance:
liability
property and casualty (auto, motorcycle, boat, jewelry, etc.)
health/dental/vision
life
homeowners/renters
disability
FL.H.24.bExplain the tax implications of insurance.
FL.H.25Identify strategies for protecting personal financial information and resources.
FL.H.25.aIdentify ways to avoid identity theft and fraud, such as securing sensitive financial data, using care in online activities and properly disposing of sensitive documents.
FL.H.25.bDescribe steps to recover from fraud and identity theft.
FL.H.25.cDiscuss ways to avoid financial scams such as Ponzi schemes and other illegal practices.
MONEY & THE ECONOMY
FL.H.17Interpret the role and function of money in society:
FL.H.17.aExplain the functions of money: medium of exchange, unit of measure, store of value.
FL.H.17.bExplain how money facilitates trade, borrowing, saving, investing and comparing the value of goods and services.
FL.H.17.cExplain that inflation is an increase in the overall price level that reduces the value of money.
FL.H.18Identify the role of financial intermediaries in the economy (i.e., facilitates exchange between savers and lenders).
FL.H.19Explain how government uses taxation to generate revenue, manage the economy and discourage/encourage certain behaviors.
FL.H.20Explain that markets determine prices and allocate scarce goods and services through supply and demand.
FL.H.21Explain the role of government in administering social insurance programs (e.g., unemployment, workers' compensation, Medicare, Medicaid, Social Security/OASDI).
FL.H.22Identify the role of regulatory agencies, e.g.:
Federal Reserve
FDIC
NCUA
FTC
SEC
FINRA
IRS
State regulatory agencies
SAVING & INVESTING
FL.H.14Examine implications of the time value of money:
FL.H.14.aExamine the opportunity costs of saving versus spending.
FL.H.14.bAnalyze inflation and its effect on purchasing power.
FL.H.14.cCalculate compound interest and explain the benefits of investing early.
FL.H.15Evaluate investment alternatives:
FL.H.15.aDifferentiate between insured deposits and uninsured investments.
FL.H.15.bCompare traditional and Roth IRAs.
FL.H.15.cExamine various types of employer-sponsored retirement opportunities.
FL.H.15.dDescribe mutual funds, exchange‐traded funds, stocks and bonds.
FL.H.16Explain the components of a prudent investment strategy compatible with personal financial goals: Risk versus reward; Risk tolerance; Diversification; Rebalancing.