Georgia standards alignment

• SSEPF2

  Partially covered

  Analyze income as a scarce resource that can be allocated effectively through budgeting.

  Covered by

  • Cash Flow, and When the Money Actually Moves

  • · 9 · Nobody promised you an order
  • · 10 · Authorised, posted, settled: three different moments
  • · 14 · Your deposit is a provisional credit until it is not
  • · 23 · Capstone: read your own calendar
  • · 11 · The transfer you scheduled, and the three days you have to stop it
  • · 13 · Six rails, and six different clocks
  • · 15 · Instant is a different object, and irrevocability is the price
  • · 2 · Business day, banking day, and the difference that costs money
  • · 3 · The cut-off hour, and the deposit that was not made today
  • · 5 · Why there is a schedule at all
  • · 6 · What must be available tomorrow, and what may wait
  • · 7 · Six exceptions, and the notice each one owes you

  What we do and don't cover: Partial, and a teacher should read this note before planning against it, because ONE of the six elements is met and it is not the one the stem describes. THE STANDARD'S STEM IS NOT CLAIMED: MONEY-03 teaches no budgeting technique of any kind, on the record and in three separate lessons, so allocating income through budgeting is not taught here by anyone. WHAT IS TAUGHT IS ELEMENT (e), reconciling a checking account and accounting for transactions that have not been posted, and it is taught deeper than the element asks. The three examples Georgia names are each worked from their governing rule: a check, through the funds-availability schedule and the fact that a deposited credit is provisional until settlement is final (U.C.C. 4-201(a)); a weekend debit card transaction, through the definition of a business day as ten enumerated dates in 12 CFR 229.2 and through the separation of authorisation, posting and settlement into three dated events; and a monthly auto-pay, through 12 CFR 1005.10, which makes it a preauthorized electronic fund transfer carrying a three-business-day stop-payment window. The element's closing clause, how this helps avoid overdraft fees, is answered with the U.C.C. 4-303(b) permission to charge a day's items in any order, worked arithmetically, plus the 12 CFR 1030.11(a) statement totals that let a learner measure the result. NOT taught: elements (a) income types, (b) the Form 1040, (c) paystub components, (d) budget components and savings, and (f) net worth.

What we don't claim

A standards page is only worth reading if the omissions are honest too. We looked at these and left them out:

• Mathematics — nothing. This catalog does no mathematics instruction, so it meets no Georgia mathematics standard.
• Science — Georgia's own GSE Science (NOT NGSS), deferred not denied. We verified that Georgia's science standards are the Georgia Standards of Excellence for Science — Georgia's own, NOT the NGSS. We did not fetch and transcribe them this pass, and our rule is fetch-or-don't-cite, so Georgia carries no science claim here. The climate-and-resources content the NGSS states pick up through HS-ESS3-1 maps instead to Georgia social studies (World Geography SSWG1 and SSWG5, World History SSWH16). Georgia's high-school Environmental Science standards are the candidate home for a future pass.
• American Government/Civics standards checked and rejected. SSCG2 (the political-philosophy genealogy — the Magna Carta through Hobbes, Locke, Rousseau, and Montesquieu, as named texts), SSCG9 (the impeachment and removal process), and SSCG11 (the federal bureaucracy, its departments and agencies, and the Cabinet) are not genuinely taught, so we do not claim them.
• Economics — most of the personal-finance course, macroeconomics, and the market-structure standards. This entry used to reject the whole personal-finance domain, SSEPF1-10, on the ground that the catalog taught none of it. That changed on 2026-08-28 and the correction is recorded here rather than deleted: SSEPF3 (comparing financial institutions, and comparing cash, debit, prepaid and mobile payment), SSEPF9 (how consumers are protected by rules and regulations), SSEPF2 (element (e) alone, reconciling a checking account and accounting for unposted transactions), SSEPF10 (sources of and protection against identity theft, element (c) in full and (b) in part, with (a) and (d) expressly refused on its own entry) and SSEPF1 (major life decisions) are now claimed, partially, and supersede the blanket rejection. SSEPF9's element (c) also grew, from one of its five named statutes to three, and its entry says which two are still missing. FIVE of the ten are now claimed, all partially: SSEPF1, SSEPF2, SSEPF3, SSEPF9 and SSEPF10. The other five remain unclaimed and are named so the gap stays visible: SSEPF4 (interest rates), SSEPF5 (taxes), SSEPF6 (credit), SSEPF7 (insurance) and SSEPF8 (investing).
• SSEPF5, the taxes standard — read on 2026-08-29 with a whole tax course in the catalog, and still refused. This one deserves its own entry, because from 2026-08-29 the catalog contains MONEY-05 (`taxes-and-filing`), an eighteen-lesson course entirely about federal individual income tax, and a Georgia teacher would reasonably expect SSEPF5 to follow. It does not, and the reason is that Georgia's standard asks for something this course deliberately is not. SSEPF5 reads "Explain how changes in taxation can have an impact on an individual's spending and saving choices," and its two elements are (a) "Describe income, sales, property, capital gains, and estate taxes in the U.S." and (b) "Describe the difference between progressive, regressive, and proportional taxes." ELEMENT (a) NAMES FIVE TAXES AND THIS CATALOG TEACHES ONE. MONEY-05 covers the federal individual income tax and the chapter 21 payroll taxes on wages; it teaches no sales tax, no property tax, no capital gains tax and no estate tax, and it teaches no state or local tax at all. ELEMENT (b) IS A TAXONOMY THE COURSE DOES NOT BUILD. It works the mechanics of withholding, filing, credits and refunds, and it deliberately prints no rate schedule, so it never sets progressive, regressive and proportional side by side as categories. AND THE STEM IS ABOUT SPENDING AND SAVING CHOICES, which is behaviour: MONEY-05 states in three separate lessons that it gives no tax advice and makes no recommendation about what anyone should do with their money, so a standard whose verb reaches a student's choices is exactly the kind this catalog will not claim. Transcribed and re-read from the Georgia Department of Education's Personal Finance and Economics standards document (December 9, 2021) on 2026-08-29. Nothing here is claimed, so no code entry appears above, per fetch-or-do-not-cite.
• World and U.S. history beyond the mapped standards. Georgia's SSWH and SSUSH are full surveys. This catalog teaches world and U.S. history in specific places — exploration and the Columbian Exchange, imperialism and the Opium Wars, the Haitian Revolution, the Gilded Age unions, the Great Migration, Prohibition and the Harlem Renaissance, the Wagner Act, and Poland's exit from communism — not as surveys, so the remaining ancient/medieval, world-war, and U.S.-survey standards are not claimed.
• The direct-democracy tools SSCG17e names — Georgia does not have the initiative. Georgia's own SSCG17e lists "the initiative, referendum, and recall" as limitations citizens may exercise on state and local government. But Georgia has NO statewide citizen initiative: the flagship teaches that absence and the legislative-referral path (a two-thirds vote of each house, then voter ratification) honestly, rather than describing a tool Georgia does not provide. So the standard is claimed (partial) for what Georgia's civics actually is, not padded to look like a direct-democracy state.
• The AI-literacy ladder, the language courses, and Learning How to Learn — deferred, not denied. Georgia's closest frameworks (Computer Science, World Languages) have not been fetched and verified this pass. Our rule is fetch-or-don't-cite, so these courses carry no Georgia claims here.