A half credit for the diploma
Each student must earn one half credit in personal financial literacy and money management for a standard diploma.
High school · Florida
The Florida personal finance graduation requirement
Florida students who entered 9th grade in 2023-24 or later must earn a half credit in personal financial literacy and money management to get a standard diploma. Here is what the course covers and how to help at home.
Private 1-on-1 on Zoom · $250 / hour
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The requirement
What Florida asks for.
Taken from the state's own law and education department. Your school counselor can confirm how your district applies it.
9th graders from 2023-24
Students who entered 9th grade in the 2023-24 school year or later, so the class of 2027 is first.
A long, practical list
Florida's statute spells out what the course has to cover, from opening a bank account to applying for college aid.
Topics
What we cover.
Bring your slides, problem sets, and your last midterm. We work from your actual course.
- Bank accounts
- Balancing a checkbook
- Credit scores and credit card debt
- Loan applications
- Inheritances
- Insurance basics
- Federal income tax
- Interest rates
- Simple contracts
- Saving and investing
- Paying for college
Practice with the free budget, compound interest, credit card payoff and loan payoff calculators, or browse the teen money library.
High school · Florida
Where students get stuck.
Compound interest feels abstract
Teens can recite the formula and still not feel why starting at 16 beats starting at 26. We run their own numbers, a summer job paycheck saved for ten years, until the idea sticks.
A pay stub is a wall of codes
Gross pay, withholding, FICA, net pay. Most students meet these words for the first time on a test. We read a realistic stub line by line and then build one from scratch.
Credit sounds like free money
Minimum payments, interest that grows on interest, and scores that follow you for years. We use the credit card payoff calculator so the cost of carrying a balance is a number, not a warning.
For parents
This class is usually your teen's first real contact with money rules, and it is a good moment to talk at home too. Ask what they are learning each week, show them a real bill or bank statement, and let them run one family purchase through a budget. If the class moves fast, or your teen wants to go beyond it, one-on-one sessions follow the teacher's materials and never complete graded work.
How a session works
Diagnosis first. Then the fix.
- 01
Before we meet
Send me what you're stuck on: a problem set, slides, your last midterm, a practice exam, last week's quiz.
- 02
On Zoom
You walk me through a problem out loud. It usually takes a few minutes to hear where the reasoning goes sideways. We fix that piece and rebuild from there, so you know why each step works.
- 03
Before we finish
The real test: a fresh problem with new numbers and different wording, the way a midterm would ask it, and you solve it yourself. I don't complete assignments or hand over answers. You leave able to do the work.
Your tutor
Studied it. Worked in it. Now I teach it.
I’m Chi Odogwu. I have a B.S. in Business with a finance specialization from Liberty University, earned summa cum laude in three years, and a Master’s in International Economics and Finance from Brandeis. I tutored IB students in grad school, did valuation and private equity consulting at PwC, taught MBA finance at Florida State, and spent three years as an adjunct professor teaching Business Finance.
Questions
Before you book.
Does the Florida course have a state exam?
The statute does not set a state exam for this credit. Your teen's grade comes from the course itself.
Is a personal finance class hard?
The ideas are not hard, but the vocabulary and the math in loans, interest and taxes trip students up. Most of the lost points come from setting a problem up wrong, which practice fixes quickly.
Can you tutor my teen for this class online?
Yes. Sessions are one-on-one on Zoom, built around the course your teen is actually taking, and scheduled in your local time.
Will tutoring get in the way of my student's teacher?
No. I work from the teacher's materials and never complete graded work, so sessions support the class instead of replacing it.
Get started
Bring the problem you’re stuck on.
Tell me your course and what isn’t clicking. I’ll tell you honestly whether I can help.
Book your first session