Homeschool Map
The Homeschool
Money Map
20 of the most valuable money skills in the 15 books, plus the Christian values behind every book.
20 of the most valuable money skills your teen will learn in the 15 books, gathered from the Texas, Oklahoma, and Florida high school personal finance standards. We list only topics the books really teach, and we show which book teaches each one.
| What your teen learns | Where it's taught | States that list it |
|---|---|---|
| Work & Earning | ||
| Why work matters and owning your money choices Listed in high-school personal finance standards in 37 of 47 checked states | Book 2: The Shrinking Paycheck Book 7: The Inside Job Book 10: The Long Game | 37 of 47 states incl. TX OK FL |
| Reading a paycheck: what comes out before you get paid Listed in high-school personal finance standards in 24 of 47 checked states | Book 2: The Shrinking Paycheck Book 6: The Cut | 24 of 47 states incl. TX OK |
| Starting your own business (entrepreneurship) Listed in high-school personal finance standards in 12 of 47 checked states | Book 7: The Inside Job | 12 of 47 states incl. TX FL |
| Spending & Budgeting | ||
| Building a budget for short- and long-term goals Listed in high-school personal finance standards in 40 of 47 checked states | Book 10: The Long Game Book 14: The Getaway | 40 of 47 states incl. TX OK FL |
| Needs vs. wants and the true cost of a choice (opportunity cost) Listed in high-school personal finance standards in 10 of 47 checked states | Book 10: The Long Game Book 14: The Getaway | 10 of 47 states incl. TX OK FL |
| Smart shopping: research before you buy, see through price tricks Listed in high-school personal finance standards in 17 of 47 checked states | Book 7: The Inside Job Book 12: The Gold Swindle | 17 of 47 states incl. FL |
| Taxes | ||
| What taxes pay for, and filing basics (W-2, W-4, 1040) Listed in high-school personal finance standards in 37 of 47 checked states | Book 6: The Cut | 37 of 47 states incl. TX OK FL |
| Banking | ||
| Checking and savings accounts, fees, and tracking your balance Listed in high-school personal finance standards in 33 of 47 checked states | Book 5: The Vault Job | 33 of 47 states incl. OK FL |
| Saving & Investing | ||
| Emergency funds and saving before spending Listed in high-school personal finance standards in 46 of 47 checked states | Book 1: The Yen Heist Book 2: The Shrinking Paycheck Book 12: The Gold Swindle Book 13: The Crash | 46 of 47 states incl. TX OK FL |
| How inflation shrinks the value of money Listed in high-school personal finance standards in 21 of 47 checked states | Book 2: The Shrinking Paycheck | 21 of 47 states incl. TX OK FL |
| Compound growth and starting early Listed in high-school personal finance standards in 18 of 47 checked states | Book 10: The Long Game Book 14: The Getaway | 18 of 47 states incl. TX OK FL |
| Stocks, bonds, index funds, risk vs. reward, diversification Listed in high-school personal finance standards in 47 of 47 checked states | Book 10: The Long Game Book 11: The Floor Book 12: The Gold Swindle Book 13: The Crash | 47 of 47 states incl. TX OK FL |
| Retirement accounts: 401(k), IRAs, employer match, Social Security Listed in high-school personal finance standards in 29 of 47 checked states | Book 10: The Long Game Book 14: The Getaway | 29 of 47 states incl. TX OK FL |
| Credit & Debt | ||
| Credit scores and reports, and how to fix errors Listed in high-school personal finance standards in 38 of 47 checked states | Book 3: The Score | 38 of 47 states incl. TX OK FL |
| Credit cards, APR, and the real cost of borrowing Listed in high-school personal finance standards in 34 of 47 checked states | Book 3: The Score Book 4: The Fed Call Book 8: The Hole | 34 of 47 states incl. TX OK FL |
| Getting out of debt: counseling, collectors, and bankruptcy as a last resort Listed in high-school personal finance standards in 24 of 47 checked states | Book 3: The Score Book 8: The Hole | 24 of 47 states incl. TX OK FL |
| Renting vs. buying and how a mortgage works Listed in high-school personal finance standards in 26 of 47 checked states | Book 4: The Fed Call | 26 of 47 states incl. OK FL |
| Protection | ||
| Insurance: premiums, deductibles, and the right coverage Listed in high-school personal finance standards in 40 of 47 checked states | Book 9: The Cover Story | 40 of 47 states incl. TX OK FL |
| Spotting scams and protecting against identity theft Listed in high-school personal finance standards in 35 of 47 checked states | Book 3: The Score Book 6: The Cut Book 12: The Gold Swindle | 35 of 47 states incl. TX OK FL |
| Wills, inheritance, and planning for your family's future Listed in high-school personal finance standards in 12 of 47 checked states | Book 15: The Keys | 12 of 47 states incl. TX FL |
TX = Texas TEKS §113.76 Personal Financial Literacy & Economics · OK = Oklahoma 2024 Personal Financial Literacy · FL = Florida SS.912.FL. Checked against official state sources, Oct 2026. Not an official state endorsement.
State counts: how many of the 47 states we checked against official documents list the topic in their high-school personal finance standards (Oct 2026). North Carolina, Virginia and Minnesota: official check pending. The counts describe state standards only; they do not mean any state endorses these books or their values. The full state list for each topic is in the printable PDF.
The Christian values behind every book
Each book opens with the 10 Sacred Money Rules. Each rule pairs Jesus’ own words with an American founding father, quoted from primary sources and left unchanged. The stories teach these values: work hard, give, save, avoid debt, be honest, and be content.
1. Don’t let money be your master
“No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money.”
Matthew 6:24 (ESV)
“But, ah, think what you do when you run in Debt; You give to another Power over your Liberty.”
Benjamin Franklin, 1758
2. Guard against greed
“Take care, and be on your guard against all covetousness, for one’s life does not consist in the abundance of his possessions.”
Luke 12:15 (ESV)
“If ‘Thou shalt not covet,’ and ‘Thou shalt not steal,’ were not commandments of Heaven, they must be made inviolable precepts in every society, before it can be civilized or made free.”
John Adams, 1787
3. Count the cost before you commit
“For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it?”
Luke 14:28 (ESV)
“Never spend your money before you have it.”
Thomas Jefferson, 1825
4. Don’t dump debt on those who come after you
“Give us this day our daily bread, and forgive us our debts, as we also have forgiven our debtors.”
Matthew 6:11–12 (ESV)
“…not ungenerously throwing upon posterity the burthen, which we ourselves ought to bear.”
George Washington, Farewell Address, 1796
5. Work diligently with what you’re trusted with
“…Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.”
Matthew 25:21 (ESV)
“Industry pays Debts, while Despair encreaseth them.”
Benjamin Franklin, 1758
6. Be faithful in the small things
“One who is faithful in a very little is also faithful in much, and one who is dishonest in a very little is also dishonest in much.”
Luke 16:10 (ESV)
“States, like individuals, who observe their engagements, are respected and trusted: while the reverse is the fate of those, who pursue an opposite conduct.”
Alexander Hamilton, 1790
7. Pay what you promise
“So whatever you wish that others would do to you, do also to them, for this is the Law and the Prophets.”
Matthew 7:12 (ESV)
“…the good Paymaster is Lord of another Man’s Purse.”
Benjamin Franklin, 1748
8. Watch the small leaks
“Not many days later, the younger son gathered all he had and took a journey into a far country, and there he squandered his property in reckless living.”
Luke 15:13 (ESV)
“Beware of little Expences; a small Leak will sink a great Ship.”
Benjamin Franklin, 1758
9. Be open-handed
“Give to the one who begs from you, and do not refuse the one who would borrow from you.”
Matthew 5:42 (ESV)
“…be not uncharitable to those that at present seem to want it, but comfort and help them.”
Benjamin Franklin, 1758
10. Respect property and rightful claims
“Therefore render to Caesar the things that are Caesar’s, and to God the things that are God’s.”
Matthew 22:21 (ESV)
“Government is instituted to protect property of every sort…”
James Madison, 1792
Scripture: English Standard Version (ESV). Founder quotes: Founders Online (National Archives), Mount Vernon, and other primary sources. Disputed or misattributed sayings are left out.