JEYA Academy
A curriculum that teaches content found in the newest AP Business class as well as vital financial literacy knowledge needed for the future.
Week 3- Who's Actually Protecting Your Money?”
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Objective: Learn who protects your money—and when they don’t.
Instructions:
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Visit the FDIC BankFind Tool: https://banks.data.fdic.gov/bankfind-suite/bankfind
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Search for a bank you or your family uses.
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Confirm it's FDIC-insured.
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Now search Crypto.com, Cash App, and Venmo—are they insured?
Week 4-The Hidden Math of Borrowing
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✅ Mission 6: APR & APY Trap Test – Spot the Scam
Objective: Evaluate tricky loan and savings ads.
Instructions:
1. Search online or use YouTube to find:
1 credit card ad
1 “high-yield” savings account ad
1 Buy Now, Pay Later promotion
Screenshot or link each one.
For each:
What’s the APR or APY?
Is there a teaser rate?
What’s the catch in the fine print?
Week 5- The Money Multiplier
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✅ Mission 5: The Money Multiplier – Model the Cycle
Objective: Simulate how $100 turns into $1,000 in the economy.
Instructions:
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Open the mission.
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Fill a 10-step table:
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Each row = 1 bank in the cycle.
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Show:
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Deposit received
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Reserve held (10%)
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Amount loaned
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Use formulas to carry over deposits and loans step by step.
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Write a 3-sentence explanation: How does the total money expand?
🎓 Bonus: What happens if the reserve requirement changes from 10% to 20%?
Week 6- Business Banking 101
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✅ Mission 6: Business Banking Simulation – Start Your Own Company
Objective: Plan a banking strategy for a teen business.
Instructions:
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Create a fake small business (e.g., tutoring, cookie stand, lawn mowing, YouTube channel).
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Choose a bank account:
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Personal? Business? Online?
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Credit card? Merchant account?
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Use a spreadsheet to plan:
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Monthly revenue estimate
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Monthly expenses (software, materials, etc.)
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Where you’ll keep profits
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How you’ll manage taxes
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📊 Extra: Include a “cash flow” chart showing 3 months of income vs expenses.
Week 7- Life After Interest Rates
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🎯 Mission: Rate Check Challenge
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Objective: Understand how interest rates affect borrowing and saving.
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Step 1: Research Rates
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Look up the current APR (Annual Percentage Rate) for:
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A credit card
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A savings account
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A 30-year mortgage
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You can use websites like:
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Bankrate.com
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NerdWallet.com
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Or just Google “current credit card APR” etc.
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Step 2: Analyze
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Which rate is highest and why?
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Which rate do you think impacts your family the most?
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Which one will likely matter most to you in the next 5 years?
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Week 8- Financial Laws You've Never Heard Of (But Need to Know)
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🛡️ Mission: Financial Law Detectives
Objective: Identify how 3 different financial laws apply to real-life scenarios, and use a spreadsheet to document the results.
Instructions:
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Step 1: Choose any three laws from the episode:
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Truth in Lending Act (TILA)
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Fair Credit Reporting Act (FCRA)
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Gramm-Leach-Bliley Act (GLBA)
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FDIC Insurance
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Step 2: For each law, create a realistic case study where the law would protect someone. Example:
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TILA → Someone takes out a car loan and discovers hidden fees—how would TILA help?
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FCRA → A student finds an error in their credit report—what should they do?
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Step 3: Fill out the spreadsheet with these columns:
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📜 Law Name
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📘 Situation (brief story or case study)
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🛡️ How the Law Helps
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⚠️ What Would Happen Without It
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✅ Steps You Would Take as a Consumer
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