Moneyling NS-12 Earning Income Course

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About the Course

COURSE DESCRIPTION

Following Cari, Richie, Amelia, Beatriz, Mallory, and Marquis through real career and income decisions, this course shows students that a paycheck is only part of the picture. Students learn to evaluate compensation packages and benefits, understand how taxes and economic conditions affect earnings, and plan for retirement and entrepreneurship. It’s a story-driven path to real career and financial confidence, aligned with the NS-12 Earning Income standards.

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

$197.00
per year
1 year of access

$197/year – access for 35 students (additional students, $5/each)

Individual course in a comprehensive LMS set-up which includes:

  • alignment with national standards
  • teacher dashboard
  • student dashboard
  • story-based program
  • ready-to-teach lessons
  • worksheets
  • auto-graded quizzes
  • built-in calculators
  • final course exam

$9.97 for week trial (only includes course content; no access to LMS features)

TRIAL $9.97
for 1 week
Enroll Now

Compensation and Employee Benefits – NS Earning Income 12-1

Types of Compensation and Benefits – NS Earning Income 12-1: Story Scenario
0
Researching Employee Benefits: NS Earning Income 12-1a
0
Evaluating Benefits Beyond Salary: NS Earning Income 12-1b
0
Foundational Math – Gross Pay, Net Pay & Pay Periods NS Earning Income 12-1b
0
Mid-Course Math – Total Compensation Analysis  – NS Earning Income 12-1b
0
Contributory vs. Non-Contributory Benefits: NS Earning Income 12-1c
0
Foundational Math – Percentages Applied to Income -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: Story Scenario
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: Story Scenario
0
Costs and Benefits of Education: NS Earning Income 12-3a
0
Impact of Life Circumstances on Education: NS Earning Income 12-3b
0
Applied Math – Education ROI  – 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: Story Scenario
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: Story Scenario
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: Story Scenario
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: Story Scenario
0
Mid-Course Math – Federal Income Tax Brackets – NS Earning Income 12-7a
0
Federal and State Tax Rates: NS Earning Income 12-7a
0
Sales Tax Comparison: NS Earning Income 12-7b
0
Mid-Course Math – Sales Tax -NS Earning Income 12-7b
0
Gross, Net, and Taxable Income: NS Earning Income 12-7c
0
Mid-Course Math – FICA & Payroll Tax -NS Earning Income 12-7c
0
IRS Forms W-2 and 1099: NS Earning Income 12-7d
0
Mid-Course Math – Full Paycheck Breakdown – NS Earning Income 12-7c
0

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

Earned vs. Unearned Income – NS Earning Income 12-8: Story Scenario
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: Story Scenario
0
Completing IRS Form W-4: NS Earning Income 12-9a
0
Tax Credits vs. Deductions: NS Earning Income 12-9b
0
Mid-Course Math – Tax Credits vs. Tax 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: Story Scenario
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: Story Scenario
0
Benefits and Costs of Gig Employment: NS Earning Income 12-11a
0
Small Business Ownership: NS Earning Income 12-11b
0

Capstone

Applied Math – Earning Income & Tax Profile
0

Activities

Moneyling Earning Income Course – Activities
0

Course Review & Feedback For Moneyling

Course Review
0

Enroll Now

Course Progress

Course Outline

  • Compensation and Employee Benefits – NS Earning Income 12-1
    • Types of Compensation and Benefits – NS Earning Income 12-1: Story Scenario
    • Researching Employee Benefits: NS Earning Income 12-1a
    • Evaluating Benefits Beyond Salary: NS Earning Income 12-1b
    • Foundational Math – Gross Pay, Net Pay & Pay Periods NS Earning Income 12-1b
    • Mid-Course Math – Total Compensation Analysis  – NS Earning Income 12-1b
    • Contributory vs. Non-Contributory Benefits: NS Earning Income 12-1c
    • Foundational Math – Percentages Applied to Income -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: Story Scenario
    • 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: Story Scenario
    • Costs and Benefits of Education: NS Earning Income 12-3a
    • Impact of Life Circumstances on Education: NS Earning Income 12-3b
    • Applied Math – Education ROI  – 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: Story Scenario
    • 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: Story Scenario
    • 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: Story Scenario
    • 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: Story Scenario
    • Mid-Course Math – Federal Income Tax Brackets – NS Earning Income 12-7a
    • Federal and State Tax Rates: NS Earning Income 12-7a
    • Sales Tax Comparison: NS Earning Income 12-7b
    • Mid-Course Math – Sales Tax -NS Earning Income 12-7b
    • Gross, Net, and Taxable Income: NS Earning Income 12-7c
    • Mid-Course Math – FICA & Payroll Tax -NS Earning Income 12-7c
    • IRS Forms W-2 and 1099: NS Earning Income 12-7d
    • Mid-Course Math – Full Paycheck Breakdown – NS Earning Income 12-7c
  • Unearned Income and Tax Rates – NS Earning Income 12-8
    • Earned vs. Unearned Income – NS Earning Income 12-8: Story Scenario
    • 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: Story Scenario
    • Completing IRS Form W-4: NS Earning Income 12-9a
    • Tax Credits vs. Deductions: NS Earning Income 12-9b
    • Mid-Course Math – Tax Credits vs. Tax 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: Story Scenario
    • 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: Story Scenario
    • Benefits and Costs of Gig Employment: NS Earning Income 12-11a
    • Small Business Ownership: NS Earning Income 12-11b
  • Capstone
    • Applied Math – Earning Income & Tax Profile
  • Activities
    • Moneyling Earning Income Course – Activities
  • Course Review & Feedback For Moneyling
    • Course Review
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