Moneyling NS-12 Earning Income Course:

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About the Course

Turn Career Choices into Financial Confidence
Aligned with the Jump$tart National Standards for Personal Financial Education (NS-12: Earning Income), this course helps students understand how knowledge, skills, and career choices shape their financial future.

Join Cari, Richie, Amelia, Beatriz, Mallory, and Marquis as they continue their Moneyling journey, diving into the real-world decisions that determine earning potential. From choosing education paths to comparing job offers, evaluating benefits, and understanding taxes, students learn how income is more than just a paycheck — it’s the foundation for financial stability and opportunity.

Through story-based lessons and interactive activities, learners explore how education, skill-building, and economic trends influence wages and employment. They’ll analyze compensation packages, investigate employee benefits, and discover how technological and market changes affect careers. By connecting classroom learning to real-world experience, students gain the confidence to make informed decisions about their work, earnings, and long-term goals.

Why Schools Love This Course
  • Fully aligned with Jump$tart NS-12 Earning Income Standards
  • Designed for grades 9–12, ideal for financial literacy or career readiness programs
  • Story-based and interactive — bringing abstract financial concepts to life
  • Encourages students to explore education, income, and opportunity through real-world context
  • Builds confidence and critical thinking around career and income planning

Moneyling’s Earning Income Course empowers students to understand what they earn — and why — giving them the tools to make confident, informed financial and career decisions for life.

The information presented in this course is for educational purposes only and is not intended as financial, investment, or legal advice. Students should not interpret any examples or scenarios as recommendations to buy, sell, or hold specific securities or financial products. Past performance does not guarantee future results. Participants are encouraged to consult a qualified financial advisor or professional before making any personal investment decisions.

Course Information

Categories:

Moneyling’s Content Team

Authors

Jennifer Degenhardt
Story-Based Curriculum & Classroom Integration
Author
Muhammad Ilyas Saeed
Financial Curriculum Creator
Author
Savanha Brubaker
Quality Control, Embedded Tools & Application
Author
Arman Kakar
Financial Curriculum Creator
Author

Editors

Elizabeth Eneadanu
Copyediting & Content Quality
Editor
Bredah W.
Copyediting & Content Quality
Editor
 

Course

$179.99
per year
1 year of access

Comprehensive Educator LMS setup with ready-to-teach lessons, auto-grade quizzes, and built-in calculators for exploration. 

Covers up to 70 students per subscription.

Please note: Instructor Dashboard, quizzes, and assignments are not available during the trial period.

TRIAL $9.99
for 1 week
Enroll Now

Compensation and Employee Benefits – NS Earning Income 12-1

Before You Begin
0
Types of Compensation and Benefits – NS Earning Income 12-1
0
Researching Employee Benefits: NS Earning Income 12-1a
0
Evaluating Benefits Beyond Salary: NS Earning Income 12-1b
0
Contributory vs. Non-Contributory Benefits: NS Earning Income 12-1c
0
Retirement and Healthcare Plans: NS Earning Income 12-1d
0

Intangible Job Benefits – NS Earning Income 12-2

Valuing Non-Cash Benefits – NS Earning Income 12-2
0
Examples of Intangible Job Benefits: NS Earning Income 12-2a
0
Impact on Career Choices: NS Earning Income 12-2b
0
Evaluating Tradeoffs: NS Earning Income 12-2c
0

Education, Training, and Earning Potential – NS Earning Income 12-3

The Value of Education and Training – NS Earning Income 12-3
0
Costs and Benefits of Education: NS Earning Income 12-3a
0
Impact of Life Circumstances on Education: NS Earning Income 12-3b
0
Earnings and Unemployment by Education Level: NS Earning Income 12-3c
0

Skills, Productivity, and Income – NS Earning Income 12-4

Wages and Skills – NS Earning Income 12-4
0
Jobs Based on Skills and Productivity: NS Earning Income 12-4a
0
Variation in Wages: NS Earning Income 12-4b
0
Race and Gender Pay Gaps: NS Earning Income 12-4c
0

Economic Conditions and Employment – NS Earning Income 12-5

Impact of Economic Changes – NS Earning Income 12-5
0
Economic and Labor Market Conditions: NS Earning Income 12-5a
0
Technological Advances and Employment: NS Earning Income 12-5b
0
Effects of Economic Downturns: NS Earning Income 12-5c
0

Taxes and Government Revenue – NS Earning Income 12-6

Understanding Taxes – NS Earning Income 12-6
0
Calculating Taxes: NS Earning Income 12-6a
0
Levels of Government and Tax Revenue: NS Earning Income 12-6b
0
Benefits from Tax Revenue: NS Earning Income 12-6c
0

Tax Rates and Taxable Income – NS Earning Income 12-7

Income and Taxes – NS Earning Income 12-7
0
Federal and State Tax Rates: NS Earning Income 12-7a
0
Sales Tax Comparison: NS Earning Income 12-7b
0
Gross, Net, and Taxable Income: NS Earning Income 12-7c
0
IRS Forms W-2 and 1099: NS Earning Income 12-7d
0

Unearned Income and Tax Rates – NS Earning Income 12-8

Earned vs. Unearned Income – NS Earning Income 12-8
0
Difference Between Earned and Unearned Income: NS Earning Income 12-8a
0
Tax Rates on Different Income Types: NS Earning Income 12-8b
0

Tax Deductions and Credits – NS Earning Income 12-9

Reducing Tax Liability – NS Earning Income 12-9
0
Completing IRS Form W-4: NS Earning Income 12-9a
0
Tax Credits vs. Deductions: NS Earning Income 12-9b
0
Examples of Tax Credits: NS Earning Income 12-9c
0
Tax Savings Calculation through Deductions
0
Commonly Used Tax Related Formulas
0

Retirement Income – NS Earning Income 12-10

Sources of Retirement Income – NS Earning Income 12-10
0
Potential Sources of Retirement Income: NS Earning Income 12-10a
0
Importance of Multiple Income Sources: NS Earning Income 12-10b
0
Employer-Sponsored Retirement Plans: NS Earning Income 12-10c
0
Average Social Security Benefit: NS Earning Income 12-10d
0

Business Ownership and Gig Employment – NS Earning Income 12-11

Owning a Small Business – NS Earning Income 12-11
0
Benefits and Costs of Gig Employment: NS Earning Income 12-11a
0
Small Business Ownership: NS Earning Income 12-11b
0
Course Review
0

Enroll Now

Course Outline

  • Compensation and Employee Benefits – NS Earning Income 12-1
    • Before You Begin
    • Types of Compensation and Benefits – NS Earning Income 12-1
    • Researching Employee Benefits: NS Earning Income 12-1a
    • Evaluating Benefits Beyond Salary: NS Earning Income 12-1b
    • Contributory vs. Non-Contributory Benefits: NS Earning Income 12-1c
    • Retirement and Healthcare Plans: NS Earning Income 12-1d
  • Intangible Job Benefits – NS Earning Income 12-2
    • Valuing Non-Cash Benefits – NS Earning Income 12-2
    • Examples of Intangible Job Benefits: NS Earning Income 12-2a
    • Impact on Career Choices: NS Earning Income 12-2b
    • Evaluating Tradeoffs: NS Earning Income 12-2c
  • Education, Training, and Earning Potential – NS Earning Income 12-3
    • The Value of Education and Training – NS Earning Income 12-3
    • Costs and Benefits of Education: NS Earning Income 12-3a
    • Impact of Life Circumstances on Education: NS Earning Income 12-3b
    • Earnings and Unemployment by Education Level: NS Earning Income 12-3c
  • Skills, Productivity, and Income – NS Earning Income 12-4
    • Wages and Skills – NS Earning Income 12-4
    • Jobs Based on Skills and Productivity: NS Earning Income 12-4a
    • Variation in Wages: NS Earning Income 12-4b
    • Race and Gender Pay Gaps: NS Earning Income 12-4c
  • Economic Conditions and Employment – NS Earning Income 12-5
    • Impact of Economic Changes – NS Earning Income 12-5
    • Economic and Labor Market Conditions: NS Earning Income 12-5a
    • Technological Advances and Employment: NS Earning Income 12-5b
    • Effects of Economic Downturns: NS Earning Income 12-5c
  • Taxes and Government Revenue – NS Earning Income 12-6
    • Understanding Taxes – NS Earning Income 12-6
    • Calculating Taxes: NS Earning Income 12-6a
    • Levels of Government and Tax Revenue: NS Earning Income 12-6b
    • Benefits from Tax Revenue: NS Earning Income 12-6c
  • Tax Rates and Taxable Income – NS Earning Income 12-7
    • Income and Taxes – NS Earning Income 12-7
    • Federal and State Tax Rates: NS Earning Income 12-7a
    • Sales Tax Comparison: NS Earning Income 12-7b
    • Gross, Net, and Taxable Income: NS Earning Income 12-7c
    • IRS Forms W-2 and 1099: NS Earning Income 12-7d
  • Unearned Income and Tax Rates – NS Earning Income 12-8
    • Earned vs. Unearned Income – NS Earning Income 12-8
    • Difference Between Earned and Unearned Income: NS Earning Income 12-8a
    • Tax Rates on Different Income Types: NS Earning Income 12-8b
  • Tax Deductions and Credits – NS Earning Income 12-9
    • Reducing Tax Liability – NS Earning Income 12-9
    • Completing IRS Form W-4: NS Earning Income 12-9a
    • Tax Credits vs. Deductions: NS Earning Income 12-9b
    • Examples of Tax Credits: NS Earning Income 12-9c
    • Tax Savings Calculation through Deductions
    • Commonly Used Tax Related Formulas
  • Retirement Income – NS Earning Income 12-10
    • Sources of Retirement Income – NS Earning Income 12-10
    • Potential Sources of Retirement Income: NS Earning Income 12-10a
    • Importance of Multiple Income Sources: NS Earning Income 12-10b
    • Employer-Sponsored Retirement Plans: NS Earning Income 12-10c
    • Average Social Security Benefit: NS Earning Income 12-10d
  • Business Ownership and Gig Employment – NS Earning Income 12-11
    • Owning a Small Business – NS Earning Income 12-11
    • Benefits and Costs of Gig Employment: NS Earning Income 12-11a
    • Small Business Ownership: NS Earning Income 12-11b
    • Course Review
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