Utah Utah Senate Bill 154, Personal Finance Graduation Requirement

Utah leads the way.
We teach it.

Utah requires a personal finance course for every public high school student. Below is the complete alignment between The Crescara//Project curriculum and Utah's personal finance education standards.

The Law

What Utah Senate Bill 154 actually requires.

Governor Olene Walker signed Senate Bill 154 in 2003, making Utah the first state in the country to require a financial literacy course for high school graduation. The Utah State Board of Education approved the General Financial Literacy course the following year, with implementation beginning with the 2008 graduating class. In 2008, Utah became the first state in the country to require a personal finance course as a condition of high school graduation. Utah's Utah Senate Bill 154 established the precedent that would eventually inspire 29 other states to follow. The course covers income, taxes, budgeting, banking, saving, investing, credit, insurance, housing, and career planning.

Utah has had a mandate for 17 years, but the landscape of personal finance tools and technology has changed dramatically since 2008. The Crescara//Project brings Utah schools the most current, technology-enhanced curriculum available, built on the foundation Utah helped establish.

2008
Year Utah became the first state in the country to require a personal finance course for high school graduation
Half credit
Standalone personal finance course required for every Utah public high school student to graduate
11 Required Content Areas
Every content area in this state's personal finance standards is covered across Units 1, 2, and 3 of The Crescara//Project.
Full Curriculum Alignment

Every required topic. Covered.

Utah Senate Bill 154 Required Topic
Crescara//Project Coverage
Unit
Income and Employment
Ch. 2 Paycheck and Benefits, Ch. 10 Career and Resumes, Ch. 11 Negotiating
Units 1 and 2
Taxes
Ch. 13 Taxes, what a paycheck actually takes, why, and how to file
Unit 2
Budgeting and Money Management
Ch. 3 Budgeting, Ch. 4 Know Where Your Money Is, Ch. 5 Exponential Growth of Money
Unit 1
Saving and Building Wealth
Ch. 5 Exponential Growth of Money, Ch. 6 Banks and Accounts, Ch. 23 High Yield Savings, CDs, and Treasuries
Units 1 and 3
Credit and Debt
Ch. 12 Credit Scores, Ch. 14 Interest Rates, Ch. 16 Credit Cards, Ch. 17 Student Loans
Unit 2
Banking and Financial Services
Ch. 6 Types of Banks, Credit Unions, and Accounts, Ch. 26 Platform Simulations
Units 1 and 3
Insurance and Risk Management
Ch. 18 Healthcare and Disability, Ch. 24 Life Insurance, plus the Consequence Engine insurance scenarios
Units 2 and 3
Investing
Ch. 19 Investment Overview, Ch. 20 Stocks and Bonds, Ch. 21 Funds, Ch. 22 Costs of Investing, Ch. 26 Brokerage Platforms
Unit 3
Housing and Real Estate
Ch. 15 Car and Home Loans, buying vs. renting, mortgage basics, total cost of homeownership
Unit 2
Career Planning and Income Strategies
Ch. 10 Career and Resumes, Ch. 11 Negotiating, Ch. 2 Understanding a Paycheck
Unit 2
Financial Goal Setting
Ch. 8 Setting Goals, Ch. 7 Psychology of Money, Ch. 9 How to Build Wealth, Ch. 27 Capstone
Units 1 and 3
Beyond Compliance

Meeting the mandate is the floor. We teach past it.

Utah Senate Bill 154 sets the minimum. A checklist of topics is not a curriculum. The Crescara//Project sequences Utah's required content areas in the order students will actually encounter them in life, connects them to each other, and builds habits through repetition, not review sheets.

You can't teach investing without first teaching budgeting. You can't teach credit without first teaching income. The sequence is the curriculum.

Personalized by geography
Content adapts to each student's real financial context. A student in rural Utah and a student in a major city are not facing the same realities.
Habits built in, not bolted on
Budgeting, saving, reading fine print, reinforced across all three units through the Consequence Engine, not addressed once in a single chapter.
Zero prior knowledge assumed
Every concept is introduced from scratch. Teachers do not need a financial background. Students do not need one either.
Ready to meet the mandate?

The curriculum is ready now.

Utah schools that connect now will be ahead of the requirement. Reach out at info@crescaraproject.org.

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