Pennsylvania Personal Finance Standards Alignment
Money Moves: Building Your Future supports Pennsylvania Act 35 of 2023 and the Pennsylvania Academic Standards for Personal Finance, effective July 2026. This matrix maps each simulation module to the six required personal finance domains.
Money Moves standards matrix
| Module | Personal Finance Fundamentals | Income | Spending | Saving & Investing | Risk & Insurance | Credit |
|---|---|---|---|---|---|---|
| Act 1 — Jeff at 25 | ||||||
| Module 1 — Education & Career | Covered | Covered | — | — | — | — |
| Module 2 — Investing | Covered | — | — | Covered | — | — |
| Module 3 — Debt | Covered | — | — | — | — | Covered |
| Module 4 — Paycheck & 401k | — | Covered | — | Covered | — | — |
| Module 5 — Housing | Covered | — | Covered | — | — | — |
| Emergency Fund Decision | — | — | — | Covered | Covered | — |
| Act 2 — Jeff at 35 | ||||||
| Emergency Fund — Age 35 | — | — | — | Covered | Covered | — |
| 529 College Savings Plan | — | — | — | Covered | — | — |
| Salary Negotiation | — | Covered | — | — | — | — |
| Homebuying | — | — | Covered | — | — | — |
| Life Insurance | — | — | — | — | Covered | — |
| Act 3 — Jeff at 45 | ||||||
| Market Crash — Age 45 | Covered | — | — | Covered | — | — |
| College Costs | — | — | Covered | Covered | — | — |
| Life Insurance — Age 45 | — | — | — | — | Covered | — |
Six personal finance domains
- Personal Finance Fundamentals: goal setting, financial decisions, time value of money, and compound interest.
- Income: career pathways, education return on investment, payroll deductions, and employer benefits.
- Spending: budgeting, housing costs, and consumer decision-making.
- Saving & Investing: emergency funds, retirement accounts, investment vehicles, and compound growth.
- Risk & Insurance: life, health, property, and disability insurance and risk management.
- Credit: debt management, interest rates, credit strategies, and opportunity cost.