Moneyling NS-12 Savings Course

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About the Course

Saving is where financial habits turn into lifelong security.
In Moneyling: Saving, students explore how small, consistent decisions build a foundation for financial stability and future goals. Through the experiences of relatable characters, learners see saving not as a restriction — but as a strategy for freedom and opportunity.

Cari learns to build an emergency fund and compare savings accounts with different interest rates. Richie discovers how inflation can erode the value of money and why choosing the right savings vehicle matters. Amelia navigates employer-sponsored retirement programs and learns the long-term benefits of “paying yourself first.” Beatriz compares traditional and Roth IRAs while planning for education and healthcare savings. Mallory examines how taxes, fees, and federal protections impact saving outcomes, while Marquis uncovers how technology can automate saving and overcome emotional spending triggers.

Aligned with all NS-12 Saving standards, this course equips students with practical tools to manage short- and long-term goals, understand the impact of inflation, evaluate savings products, and recognize behavioral factors that influence financial success. By combining storytelling with real-world examples, Moneyling: Saving inspires students to take control of their future — one smart decision at a time.

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

Types of Savings Accounts – NS Saving 12-1

Exploring Savings Accounts – NS Saving 12-1
0
Comparing Savings Accounts: NS Saving 12-1a
0
Higher Interest Rates on CDs: NS Saving 12-1b
0

Interest Rates and Fees – NS Saving 12-2

Factors Affecting Interest Rates – NS Saving 12-2
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Choosing a Savings Account Location: NS Saving 12-2a
0
Impact of Borrowing Demand: NS Saving 12-2b
0
Market Conditions and Savings Rates: NS Saving 12-2c
0

Mobile Payment and Cryptocurrency Accounts – NS Saving 12-3

Understanding Alternative Accounts – NS Saving 12-3
0
Researching Mobile Payment Accounts: NS Saving 12-3a
0
Comparison of Account Types: NS Saving 12-3b
0
Limitations of Mobile Payment Accounts: NS Saving 12-3c
0

Inflation and Savings – NS Saving 12-4

Impact of Inflation on Savings – NS Saving 12-4
0
Interest Rates During High Inflation: NS Saving 12-4a
0
Purchasing Power and Inflation: NS Saving 12-4b
0
Federal I Bonds as Inflation Protection: NS Saving 12-4c
0

Government Regulation of Financial Institutions – NS Saving 12-5

Regulatory Agencies and Their Role – NS Saving 12-5
0
Areas of Regulation: NS Saving 12-5a
0
Identifying State Regulatory Agencies: NS Saving 12-5b
0
Importance of Solvency Regulation: NS Saving 12-5c
0

Tax Incentives for Savings – NS Saving 12-6

Tax-Advantaged Savings Accounts – NS Saving 12-6
0
Incentives Through IRAs and Education Savings: NS Saving 12-6a
0
Traditional vs. Roth IRAs: NS Saving 12-6b
0
Education Savings Accounts: NS Saving 12-6c
0

Employer Savings Plans – NS Saving 12-7

Employer-Sponsored Savings Incentives – NS Saving 12-7
0
Employer Match and Incentives: NS Saving 12-7a
0
Opt In vs. Opt Out of Retirement Plans: NS Saving 12-7b
0
Employer vs. Personal Savings: NS Saving 12-7c
0
Health Savings Accounts: NS Saving 12-7d
0

Combining Finances with a Partner – NS Saving 12-8

Sharing Financial Goals – NS Saving 12-8
0
Importance of Sharing Financial Goals: NS Saving 12-8a
0
Impact of Personal Financial Decisions: NS Saving 12-8b
0

Overcoming Obstacles to Saving – NS Saving 12-9

Strategies to Improve Saving Behavior – NS Saving 12-9
0
External Influences on Saving: NS Saving 12-9a
0
Managing Emotional Obstacles: NS Saving 12-9b
0
Avoiding Personal Triggers: NS Saving 12-9c
0
Pay Yourself First: NS Saving 12-9d
0
Course Review
0

 

Enroll Now

Course Outline

  • Types of Savings Accounts – NS Saving 12-1
    • Exploring Savings Accounts – NS Saving 12-1
    • Comparing Savings Accounts: NS Saving 12-1a
    • Higher Interest Rates on CDs: NS Saving 12-1b
  • Interest Rates and Fees – NS Saving 12-2
    • Factors Affecting Interest Rates – NS Saving 12-2
    • Choosing a Savings Account Location: NS Saving 12-2a
    • Impact of Borrowing Demand: NS Saving 12-2b
    • Market Conditions and Savings Rates: NS Saving 12-2c
  • Mobile Payment and Cryptocurrency Accounts – NS Saving 12-3
    • Understanding Alternative Accounts – NS Saving 12-3
    • Researching Mobile Payment Accounts: NS Saving 12-3a
    • Comparison of Account Types: NS Saving 12-3b
    • Limitations of Mobile Payment Accounts: NS Saving 12-3c
  • Inflation and Savings – NS Saving 12-4
    • Impact of Inflation on Savings – NS Saving 12-4
    • Interest Rates During High Inflation: NS Saving 12-4a
    • Purchasing Power and Inflation: NS Saving 12-4b
    • Federal I Bonds as Inflation Protection: NS Saving 12-4c
  • Government Regulation of Financial Institutions – NS Saving 12-5
    • Regulatory Agencies and Their Role – NS Saving 12-5
    • Areas of Regulation: NS Saving 12-5a
    • Identifying State Regulatory Agencies: NS Saving 12-5b
    • Importance of Solvency Regulation: NS Saving 12-5c
  • Tax Incentives for Savings – NS Saving 12-6
    • Tax-Advantaged Savings Accounts – NS Saving 12-6
    • Incentives Through IRAs and Education Savings: NS Saving 12-6a
    • Traditional vs. Roth IRAs: NS Saving 12-6b
    • Education Savings Accounts: NS Saving 12-6c
  • Employer Savings Plans – NS Saving 12-7
    • Employer-Sponsored Savings Incentives – NS Saving 12-7
    • Employer Match and Incentives: NS Saving 12-7a
    • Opt In vs. Opt Out of Retirement Plans: NS Saving 12-7b
    • Employer vs. Personal Savings: NS Saving 12-7c
    • Health Savings Accounts: NS Saving 12-7d
  • Combining Finances with a Partner – NS Saving 12-8
    • Sharing Financial Goals – NS Saving 12-8
    • Importance of Sharing Financial Goals: NS Saving 12-8a
    • Impact of Personal Financial Decisions: NS Saving 12-8b
  • Overcoming Obstacles to Saving – NS Saving 12-9
    • Strategies to Improve Saving Behavior – NS Saving 12-9
    • External Influences on Saving: NS Saving 12-9a
    • Managing Emotional Obstacles: NS Saving 12-9b
    • Avoiding Personal Triggers: NS Saving 12-9c
    • Pay Yourself First: NS Saving 12-9d
    • Course Review
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