| Old | New | Differences | |
|---|---|---|---|
| 1 | - | ||
| 1 | + | CALIFORNIA LEGISLATURE 20252026 REGULAR SESSION Assembly Bill No. 842Introduced by Assembly Member GallagherFebruary 19, 2025 An act to amend Section 51284.5 of the Education Code, relating to pupil instruction. LEGISLATIVE COUNSEL'S DIGESTAB 842, as introduced, Gallagher. Pupil instruction: history-social science curriculum framework: financial literacy: estate planning and trusts.Existing law requires the adopted course of study for grades 1 to 6, inclusive, to offer instruction in, and for grades 7 to 12, inclusive, to offer courses in, specified areas of study, including social sciences. Existing law establishes the Instructional Quality Commission and requires the commission to, among other things, recommend curriculum frameworks to the State Board of Education. Existing law requires the state board, concurrently with, but not before, the next revision of textbooks or curriculum frameworks in the social sciences, health, and mathematics curricula, to ensure that these academic areas integrate components of, among other things, financial literacy. Notwithstanding that requirement on the state board, existing law requires the commission, when the history-social science curriculum framework is revised after January 1, 2017, to consider including age-appropriate information for kindergarten and grades 1 to 12, inclusive, regarding certain topics on financial literacy.This bill would require the commission, when the history-social science curriculum framework is revised after January 1, 2026, to also consider including age-appropriate information and content for kindergarten and grades 1 to 12, inclusive, on the importance of estate planning and the use of trusts.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: YES Local Program: NO Bill TextThe people of the State of California do enact as follows:SECTION 1. Section 51284.5 of the Education Code is amended to read:51284.5. Notwithstanding Section 51284, when the history-social science curriculum framework is revised after January 1, 2017, the Instructional Quality Commission shall consider including both of the following:(a) Age-appropriate information for grade spans, as listed in paragraphs (1) to (3), inclusive, of subdivision (b), on financial literacy that includes, but is not limited to, all of the following:(1) Fundamentals of banking for personal use, including, but not limited to, savings and checking and managing to minimize fees.(2) Principles of budgeting for independent living.(3) Employment and understanding factors that affect net income, including the topics described in subdivision (a) of Section 49110.5.(4) Uses and effects of credit, including managing credit scores and the relation of debt and interest to credit.(5) Uses and costs of loans, including student loans, as well as policies that provide student loan forgiveness.(6) Types and costs of insurance, including home, auto, health, and life insurance.(7) Impacts of the tax system, including its impact on personal income, the process to file taxes, and how to read tax forms and pay stubs.(8) Principles of investing and building wealth, 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.(9) Enhancing consumer protection skills by raising awareness of common scams and frauds and preventing identity theft.(10) Identifying means to finance college, workforce education, low-cost community college options, and other career technical educational pathways or apprenticeships. Financing options covered may include scholarships, merit aid, and student loans.(11) Understanding how psychology can impact ones financial well-being.(12) Charitable giving.(13) Other topics that are directly and specifically relevant to personal finance.(14) The importance of estate planning and the use of trusts.(b) Age-appropriate content related to the topics listed in paragraphs (1) to (13), (14), inclusive, of subdivision (a), at least twice in each of the following grade spans:(1) Kindergarten and grades 1 to 5, inclusive.(2) Grades 6 to 8, inclusive.(3) Grades 9 to 12, inclusive. | |
| 2 | 2 | ||
| 3 | - | ||
| 3 | + | CALIFORNIA LEGISLATURE 20252026 REGULAR SESSION Assembly Bill No. 842Introduced by Assembly Member GallagherFebruary 19, 2025 An act to amend Section 51284.5 of the Education Code, relating to pupil instruction. LEGISLATIVE COUNSEL'S DIGESTAB 842, as introduced, Gallagher. Pupil instruction: history-social science curriculum framework: financial literacy: estate planning and trusts.Existing law requires the adopted course of study for grades 1 to 6, inclusive, to offer instruction in, and for grades 7 to 12, inclusive, to offer courses in, specified areas of study, including social sciences. Existing law establishes the Instructional Quality Commission and requires the commission to, among other things, recommend curriculum frameworks to the State Board of Education. Existing law requires the state board, concurrently with, but not before, the next revision of textbooks or curriculum frameworks in the social sciences, health, and mathematics curricula, to ensure that these academic areas integrate components of, among other things, financial literacy. Notwithstanding that requirement on the state board, existing law requires the commission, when the history-social science curriculum framework is revised after January 1, 2017, to consider including age-appropriate information for kindergarten and grades 1 to 12, inclusive, regarding certain topics on financial literacy.This bill would require the commission, when the history-social science curriculum framework is revised after January 1, 2026, to also consider including age-appropriate information and content for kindergarten and grades 1 to 12, inclusive, on the importance of estate planning and the use of trusts.Digest Key Vote: MAJORITY Appropriation: NO Fiscal Committee: YES Local Program: NO | |
| 4 | 4 | ||
| 5 | - | Amended IN Assembly March 05, 2025 | |
| 6 | 5 | ||
| 7 | - | Amended IN Assembly March 05, 2025 | |
| 6 | + | ||
| 7 | + | ||
| 8 | 8 | ||
| 9 | 9 | CALIFORNIA LEGISLATURE 20252026 REGULAR SESSION | |
| 10 | 10 | ||
| 11 | 11 | Assembly Bill | |
| 12 | 12 | ||
| 13 | 13 | No. 842 | |
| 14 | 14 | ||
| 15 | 15 | Introduced by Assembly Member GallagherFebruary 19, 2025 | |
| 16 | 16 | ||
| 17 | 17 | Introduced by Assembly Member Gallagher | |
| 18 | 18 | February 19, 2025 | |
| 19 | 19 | ||
| 20 | - | An act to amend Section 51284.5 of the Education Code, relating to pupil instruction. | |
| 20 | + | An act to amend Section 51284.5 of the Education Code, relating to pupil instruction. | |
| 21 | 21 | ||
| 22 | 22 | LEGISLATIVE COUNSEL'S DIGEST | |
| 23 | 23 | ||
| 24 | 24 | ## LEGISLATIVE COUNSEL'S DIGEST | |
| 25 | 25 | ||
| 26 | - | AB 842, as | |
| 26 | + | AB 842, as introduced, Gallagher. Pupil instruction: history-social science curriculum framework: financial literacy: estate planning and trusts. | |
| 27 | 27 | ||
| 28 | - | Existing law establishes a system of public elementary and secondary schools in this state, and authorizes local educational agencies throughout the state to operate schools and provide instruction to pupils in kindergarten and grades 1 to 12, inclusive.This bill would appropriate $21,500,000 from the General Fund to the Paradise Unified School District for the purpose of completing construction of schools damaged by the Camp Fire of 2018.This bill would make legislative findings and declarations as to the necessity of a special statute for the Paradise Unified School District.Funds appropriated by this bill would be applied toward the minimum funding requirements for school districts and community college districts imposed by Section 8 of Article XVI of the California Constitution.Existing law requires the adopted course of study for grades 1 to 6, inclusive, to offer instruction in, and for grades 7 to 12, inclusive, to offer courses in, specified areas of study, including social sciences. Existing law establishes the Instructional Quality Commission and requires the commission to, among other things, recommend curriculum frameworks to the State Board of Education. Existing law requires the state board, concurrently with, but not before, the next revision of textbooks or curriculum frameworks in the social sciences, health, and mathematics curricula, to ensure that these academic areas integrate components of, among other things, financial literacy. Notwithstanding that requirement on the state board, existing law requires the commission, when the history-social science curriculum framework is revised after January 1, 2017, to consider including age-appropriate information for kindergarten and grades 1 to 12, inclusive, regarding certain topics on financial literacy.This bill would require the commission, when the history-social science curriculum framework is revised after January 1, 2026, to also consider including age-appropriate information and content for kindergarten and grades 1 to 12, inclusive, on the importance of estate planning and the use of trusts. | |
| 29 | - | ||
| 30 | - | Existing law establishes a system of public elementary and secondary schools in this state, and authorizes local educational agencies throughout the state to operate schools and provide instruction to pupils in kindergarten and grades 1 to 12, inclusive. | |
| 31 | - | ||
| 32 | - | This bill would appropriate $21,500,000 from the General Fund to the Paradise Unified School District for the purpose of completing construction of schools damaged by the Camp Fire of 2018. | |
| 33 | - | ||
| 34 | - | This bill would make legislative findings and declarations as to the necessity of a special statute for the Paradise Unified School District. | |
| 35 | - | ||
| 36 | - | Funds appropriated by this bill would be applied toward the minimum funding requirements for school districts and community college districts imposed by Section 8 of Article XVI of the California Constitution. | |
| 28 | + | Existing law requires the adopted course of study for grades 1 to 6, inclusive, to offer instruction in, and for grades 7 to 12, inclusive, to offer courses in, specified areas of study, including social sciences. Existing law establishes the Instructional Quality Commission and requires the commission to, among other things, recommend curriculum frameworks to the State Board of Education. Existing law requires the state board, concurrently with, but not before, the next revision of textbooks or curriculum frameworks in the social sciences, health, and mathematics curricula, to ensure that these academic areas integrate components of, among other things, financial literacy. Notwithstanding that requirement on the state board, existing law requires the commission, when the history-social science curriculum framework is revised after January 1, 2017, to consider including age-appropriate information for kindergarten and grades 1 to 12, inclusive, regarding certain topics on financial literacy.This bill would require the commission, when the history-social science curriculum framework is revised after January 1, 2026, to also consider including age-appropriate information and content for kindergarten and grades 1 to 12, inclusive, on the importance of estate planning and the use of trusts. | |
| 37 | 29 | ||
| 38 | 30 | Existing law requires the adopted course of study for grades 1 to 6, inclusive, to offer instruction in, and for grades 7 to 12, inclusive, to offer courses in, specified areas of study, including social sciences. Existing law establishes the Instructional Quality Commission and requires the commission to, among other things, recommend curriculum frameworks to the State Board of Education. Existing law requires the state board, concurrently with, but not before, the next revision of textbooks or curriculum frameworks in the social sciences, health, and mathematics curricula, to ensure that these academic areas integrate components of, among other things, financial literacy. Notwithstanding that requirement on the state board, existing law requires the commission, when the history-social science curriculum framework is revised after January 1, 2017, to consider including age-appropriate information for kindergarten and grades 1 to 12, inclusive, regarding certain topics on financial literacy. | |
| 39 | 31 | ||
| 40 | - | ||
| 41 | - | ||
| 42 | 32 | This bill would require the commission, when the history-social science curriculum framework is revised after January 1, 2026, to also consider including age-appropriate information and content for kindergarten and grades 1 to 12, inclusive, on the importance of estate planning and the use of trusts. | |
| 43 | - | ||
| 44 | - | ||
| 45 | 33 | ||
| 46 | 34 | ## Digest Key | |
| 47 | 35 | ||
| 48 | 36 | ## Bill Text | |
| 49 | 37 | ||
| 50 | - | The people of the State of California do enact as follows:SECTION 1. | |
| 38 | + | The people of the State of California do enact as follows:SECTION 1. Section 51284.5 of the Education Code is amended to read:51284.5. Notwithstanding Section 51284, when the history-social science curriculum framework is revised after January 1, 2017, the Instructional Quality Commission shall consider including both of the following:(a) Age-appropriate information for grade spans, as listed in paragraphs (1) to (3), inclusive, of subdivision (b), on financial literacy that includes, but is not limited to, all of the following:(1) Fundamentals of banking for personal use, including, but not limited to, savings and checking and managing to minimize fees.(2) Principles of budgeting for independent living.(3) Employment and understanding factors that affect net income, including the topics described in subdivision (a) of Section 49110.5.(4) Uses and effects of credit, including managing credit scores and the relation of debt and interest to credit.(5) Uses and costs of loans, including student loans, as well as policies that provide student loan forgiveness.(6) Types and costs of insurance, including home, auto, health, and life insurance.(7) Impacts of the tax system, including its impact on personal income, the process to file taxes, and how to read tax forms and pay stubs.(8) Principles of investing and building wealth, 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.(9) Enhancing consumer protection skills by raising awareness of common scams and frauds and preventing identity theft.(10) Identifying means to finance college, workforce education, low-cost community college options, and other career technical educational pathways or apprenticeships. Financing options covered may include scholarships, merit aid, and student loans.(11) Understanding how psychology can impact ones financial well-being.(12) Charitable giving.(13) Other topics that are directly and specifically relevant to personal finance.(14) The importance of estate planning and the use of trusts.(b) Age-appropriate content related to the topics listed in paragraphs (1) to (13), (14), inclusive, of subdivision (a), at least twice in each of the following grade spans:(1) Kindergarten and grades 1 to 5, inclusive.(2) Grades 6 to 8, inclusive.(3) Grades 9 to 12, inclusive. | |
| 51 | 39 | ||
| 52 | 40 | The people of the State of California do enact as follows: | |
| 53 | 41 | ||
| 54 | 42 | ## The people of the State of California do enact as follows: | |
| 55 | 43 | ||
| 56 | - | SECTION 1. | |
| 44 | + | SECTION 1. Section 51284.5 of the Education Code is amended to read:51284.5. Notwithstanding Section 51284, when the history-social science curriculum framework is revised after January 1, 2017, the Instructional Quality Commission shall consider including both of the following:(a) Age-appropriate information for grade spans, as listed in paragraphs (1) to (3), inclusive, of subdivision (b), on financial literacy that includes, but is not limited to, all of the following:(1) Fundamentals of banking for personal use, including, but not limited to, savings and checking and managing to minimize fees.(2) Principles of budgeting for independent living.(3) Employment and understanding factors that affect net income, including the topics described in subdivision (a) of Section 49110.5.(4) Uses and effects of credit, including managing credit scores and the relation of debt and interest to credit.(5) Uses and costs of loans, including student loans, as well as policies that provide student loan forgiveness.(6) Types and costs of insurance, including home, auto, health, and life insurance.(7) Impacts of the tax system, including its impact on personal income, the process to file taxes, and how to read tax forms and pay stubs.(8) Principles of investing and building wealth, 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.(9) Enhancing consumer protection skills by raising awareness of common scams and frauds and preventing identity theft.(10) Identifying means to finance college, workforce education, low-cost community college options, and other career technical educational pathways or apprenticeships. Financing options covered may include scholarships, merit aid, and student loans.(11) Understanding how psychology can impact ones financial well-being.(12) Charitable giving.(13) Other topics that are directly and specifically relevant to personal finance.(14) The importance of estate planning and the use of trusts.(b) Age-appropriate content related to the topics listed in paragraphs (1) to (13), (14), inclusive, of subdivision (a), at least twice in each of the following grade spans:(1) Kindergarten and grades 1 to 5, inclusive.(2) Grades 6 to 8, inclusive.(3) Grades 9 to 12, inclusive. | |
| 57 | 45 | ||
| 58 | - | SECTION 1. The sum of twenty-one million five hundred thousand dollars ($21,500,000) is hereby appropriated from the General Fund to the Paradise Unified School District for the purpose of completing construction of schools damaged by the Camp Fire of 2018. | |
| 59 | - | ||
| 60 | - | SECTION 1. The sum of twenty-one million five hundred thousand dollars ($21,500,000) is hereby appropriated from the General Fund to the Paradise Unified School District for the purpose of completing construction of schools damaged by the Camp Fire of 2018. | |
| 46 | + | SECTION 1. Section 51284.5 of the Education Code is amended to read: | |
| 61 | 47 | ||
| 62 | 48 | ### SECTION 1. | |
| 63 | 49 | ||
| 64 | - | ||
| 50 | + | 51284.5. Notwithstanding Section 51284, when the history-social science curriculum framework is revised after January 1, 2017, the Instructional Quality Commission shall consider including both of the following:(a) Age-appropriate information for grade spans, as listed in paragraphs (1) to (3), inclusive, of subdivision (b), on financial literacy that includes, but is not limited to, all of the following:(1) Fundamentals of banking for personal use, including, but not limited to, savings and checking and managing to minimize fees.(2) Principles of budgeting for independent living.(3) Employment and understanding factors that affect net income, including the topics described in subdivision (a) of Section 49110.5.(4) Uses and effects of credit, including managing credit scores and the relation of debt and interest to credit.(5) Uses and costs of loans, including student loans, as well as policies that provide student loan forgiveness.(6) Types and costs of insurance, including home, auto, health, and life insurance.(7) Impacts of the tax system, including its impact on personal income, the process to file taxes, and how to read tax forms and pay stubs.(8) Principles of investing and building wealth, 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.(9) Enhancing consumer protection skills by raising awareness of common scams and frauds and preventing identity theft.(10) Identifying means to finance college, workforce education, low-cost community college options, and other career technical educational pathways or apprenticeships. Financing options covered may include scholarships, merit aid, and student loans.(11) Understanding how psychology can impact ones financial well-being.(12) Charitable giving.(13) Other topics that are directly and specifically relevant to personal finance.(14) The importance of estate planning and the use of trusts.(b) Age-appropriate content related to the topics listed in paragraphs (1) to (13), (14), inclusive, of subdivision (a), at least twice in each of the following grade spans:(1) Kindergarten and grades 1 to 5, inclusive.(2) Grades 6 to 8, inclusive.(3) Grades 9 to 12, inclusive. | |
| 65 | 51 | ||
| 66 | - | ||
| 52 | + | 51284.5. Notwithstanding Section 51284, when the history-social science curriculum framework is revised after January 1, 2017, the Instructional Quality Commission shall consider including both of the following:(a) Age-appropriate information for grade spans, as listed in paragraphs (1) to (3), inclusive, of subdivision (b), on financial literacy that includes, but is not limited to, all of the following:(1) Fundamentals of banking for personal use, including, but not limited to, savings and checking and managing to minimize fees.(2) Principles of budgeting for independent living.(3) Employment and understanding factors that affect net income, including the topics described in subdivision (a) of Section 49110.5.(4) Uses and effects of credit, including managing credit scores and the relation of debt and interest to credit.(5) Uses and costs of loans, including student loans, as well as policies that provide student loan forgiveness.(6) Types and costs of insurance, including home, auto, health, and life insurance.(7) Impacts of the tax system, including its impact on personal income, the process to file taxes, and how to read tax forms and pay stubs.(8) Principles of investing and building wealth, 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.(9) Enhancing consumer protection skills by raising awareness of common scams and frauds and preventing identity theft.(10) Identifying means to finance college, workforce education, low-cost community college options, and other career technical educational pathways or apprenticeships. Financing options covered may include scholarships, merit aid, and student loans.(11) Understanding how psychology can impact ones financial well-being.(12) Charitable giving.(13) Other topics that are directly and specifically relevant to personal finance.(14) The importance of estate planning and the use of trusts.(b) Age-appropriate content related to the topics listed in paragraphs (1) to (13), (14), inclusive, of subdivision (a), at least twice in each of the following grade spans:(1) Kindergarten and grades 1 to 5, inclusive.(2) Grades 6 to 8, inclusive.(3) Grades 9 to 12, inclusive. | |
| 67 | 53 | ||
| 68 | - | SEC. 2. The Legislature finds and declares that a special statute is necessary and that a general statute cannot be made applicable within the meaning of Section 16 of Article IV of the California Constitution because of the unique circumstances concerning the recovery of the City of Paradise from the devastating Camp Fire and its impact on the Paradise Unified School District. | |
| 69 | - | ||
| 70 | - | ### SEC. 2. | |
| 54 | + | 51284.5. Notwithstanding Section 51284, when the history-social science curriculum framework is revised after January 1, 2017, the Instructional Quality Commission shall consider including both of the following:(a) Age-appropriate information for grade spans, as listed in paragraphs (1) to (3), inclusive, of subdivision (b), on financial literacy that includes, but is not limited to, all of the following:(1) Fundamentals of banking for personal use, including, but not limited to, savings and checking and managing to minimize fees.(2) Principles of budgeting for independent living.(3) Employment and understanding factors that affect net income, including the topics described in subdivision (a) of Section 49110.5.(4) Uses and effects of credit, including managing credit scores and the relation of debt and interest to credit.(5) Uses and costs of loans, including student loans, as well as policies that provide student loan forgiveness.(6) Types and costs of insurance, including home, auto, health, and life insurance.(7) Impacts of the tax system, including its impact on personal income, the process to file taxes, and how to read tax forms and pay stubs.(8) Principles of investing and building wealth, 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.(9) Enhancing consumer protection skills by raising awareness of common scams and frauds and preventing identity theft.(10) Identifying means to finance college, workforce education, low-cost community college options, and other career technical educational pathways or apprenticeships. Financing options covered may include scholarships, merit aid, and student loans.(11) Understanding how psychology can impact ones financial well-being.(12) Charitable giving.(13) Other topics that are directly and specifically relevant to personal finance.(14) The importance of estate planning and the use of trusts.(b) Age-appropriate content related to the topics listed in paragraphs (1) to (13), (14), inclusive, of subdivision (a), at least twice in each of the following grade spans:(1) Kindergarten and grades 1 to 5, inclusive.(2) Grades 6 to 8, inclusive.(3) Grades 9 to 12, inclusive. | |
| 71 | 55 | ||
| 72 | 56 | ||
| 73 | 57 | ||
| 74 | - | ||
| 75 | - | ||
| 76 | - | Notwithstanding Section 51284, when the history-social science curriculum framework is revised after January 1, 2017, the Instructional Quality Commission shall consider including both of the following: | |
| 77 | - | ||
| 78 | - | ||
| 58 | + | 51284.5. Notwithstanding Section 51284, when the history-social science curriculum framework is revised after January 1, 2017, the Instructional Quality Commission shall consider including both of the following: | |
| 79 | 59 | ||
| 80 | 60 | (a) Age-appropriate information for grade spans, as listed in paragraphs (1) to (3), inclusive, of subdivision (b), on financial literacy that includes, but is not limited to, all of the following: | |
| 81 | 61 | ||
| 82 | - | ||
| 83 | - | ||
| 84 | 62 | (1) Fundamentals of banking for personal use, including, but not limited to, savings and checking and managing to minimize fees. | |
| 85 | - | ||
| 86 | - | ||
| 87 | 63 | ||
| 88 | 64 | (2) Principles of budgeting for independent living. | |
| 89 | 65 | ||
| 90 | - | ||
| 91 | - | ||
| 92 | 66 | (3) Employment and understanding factors that affect net income, including the topics described in subdivision (a) of Section 49110.5. | |
| 93 | - | ||
| 94 | - | ||
| 95 | 67 | ||
| 96 | 68 | (4) Uses and effects of credit, including managing credit scores and the relation of debt and interest to credit. | |
| 97 | 69 | ||
| 98 | - | ||
| 99 | - | ||
| 100 | 70 | (5) Uses and costs of loans, including student loans, as well as policies that provide student loan forgiveness. | |
| 101 | - | ||
| 102 | - | ||
| 103 | 71 | ||
| 104 | 72 | (6) Types and costs of insurance, including home, auto, health, and life insurance. | |
| 105 | 73 | ||
| 106 | - | ||
| 107 | - | ||
| 108 | 74 | (7) Impacts of the tax system, including its impact on personal income, the process to file taxes, and how to read tax forms and pay stubs. | |
| 109 | - | ||
| 110 | - | ||
| 111 | 75 | ||
| 112 | 76 | (8) Principles of investing and building wealth, 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. | |
| 113 | 77 | ||
| 114 | - | ||
| 115 | - | ||
| 116 | 78 | (9) Enhancing consumer protection skills by raising awareness of common scams and frauds and preventing identity theft. | |
| 117 | - | ||
| 118 | - | ||
| 119 | 79 | ||
| 120 | 80 | (10) Identifying means to finance college, workforce education, low-cost community college options, and other career technical educational pathways or apprenticeships. Financing options covered may include scholarships, merit aid, and student loans. | |
| 121 | 81 | ||
| 122 | - | ||
| 123 | - | ||
| 124 | 82 | (11) Understanding how psychology can impact ones financial well-being. | |
| 125 | - | ||
| 126 | - | ||
| 127 | 83 | ||
| 128 | 84 | (12) Charitable giving. | |
| 129 | 85 | ||
| 130 | - | ||
| 131 | - | ||
| 132 | 86 | (13) Other topics that are directly and specifically relevant to personal finance. | |
| 133 | - | ||
| 134 | - | ||
| 135 | 87 | ||
| 136 | 88 | (14) The importance of estate planning and the use of trusts. | |
| 137 | 89 | ||
| 138 | - | ||
| 139 | - | ||
| 140 | - | (b)Age-appropriate content related to the topics listed in paragraphs (1) to (14), inclusive, of subdivision (a), at least twice in each of the following grade spans: | |
| 141 | - | ||
| 142 | - | ||
| 90 | + | (b) Age-appropriate content related to the topics listed in paragraphs (1) to (13), (14), inclusive, of subdivision (a), at least twice in each of the following grade spans: | |
| 143 | 91 | ||
| 144 | 92 | (1) Kindergarten and grades 1 to 5, inclusive. | |
| 145 | 93 | ||
| 146 | - | ||
| 147 | - | ||
| 148 | 94 | (2) Grades 6 to 8, inclusive. | |
| 149 | - | ||
| 150 | - | ||
| 151 | 95 | ||
| 152 | 96 | (3) Grades 9 to 12, inclusive. |