Florida HB 1093, Financial Literacy Graduation Requirement

HB 1093 requires it.
We teach it.

Florida requires a personal finance course for every public high school student. Below is the complete alignment between The Crescara//Project curriculum and Florida's personal finance education standards.

The Law

What HB 1093 actually requires.

Florida signed HB 1093 into law in 2022, requiring a standalone financial literacy course as a condition of high school graduation. The requirement takes full effect for the 2027 to 2028 school year. Florida's law is one of the most student-centered in the country, requiring practical financial skills alongside traditional academic instruction.

Florida schools have a defined deadline to have curriculum in place. The Crescara//Project is fully developed and ready for implementation now, covering all topics in Florida's financial literacy standards and sequencing them in the order students will encounter them in real life.

2022
Year Florida signed HB 1093, a landmark financial literacy graduation requirement
2027
School year the course becomes a graduation requirement for all Florida public high school students
11 Required Content Areas
Every content area in this state's personal finance standards is covered across Units 1, 2, and 3 of The Crescara//Project.
Full Curriculum Alignment

Every required topic. Covered.

HB 1093 Required Topic
Crescara//Project Coverage
Unit
Income and Employment
Ch. 2 Paycheck and Benefits, Ch. 10 Career and Resumes, Ch. 11 Negotiating
Units 1 and 2
Taxes
Ch. 13 Taxes, what a paycheck actually takes, why, and how to file
Unit 2
Budgeting and Money Management
Ch. 3 Budgeting, Ch. 4 Know Where Your Money Is, Ch. 5 Exponential Growth of Money
Unit 1
Saving and Building Wealth
Ch. 5 Exponential Growth of Money, Ch. 6 Banks and Accounts, Ch. 23 High Yield Savings, CDs, and Treasuries
Units 1 and 3
Credit and Debt
Ch. 12 Credit Scores, Ch. 14 Interest Rates, Ch. 16 Credit Cards, Ch. 17 Student Loans
Unit 2
Banking and Financial Services
Ch. 6 Types of Banks, Credit Unions, and Accounts, Ch. 26 Platform Simulations
Units 1 and 3
Insurance and Risk Management
Ch. 18 Healthcare and Disability, Ch. 24 Life Insurance, plus the Consequence Engine insurance scenarios
Units 2 and 3
Investing
Ch. 19 Investment Overview, Ch. 20 Stocks and Bonds, Ch. 21 Funds, Ch. 22 Costs of Investing, Ch. 26 Brokerage Platforms
Unit 3
Housing and Real Estate
Ch. 15 Car and Home Loans, buying vs. renting, mortgage basics, total cost of homeownership
Unit 2
Consumer Rights and Responsibility
Ch. 15 reading fine print, borrower rights, total cost of borrowing, Ch. 7 Psychology of Money
Unit 2
Financial Goal Setting
Ch. 8 Setting Goals, Ch. 7 Psychology of Money, Ch. 9 How to Build Wealth, Ch. 27 Capstone
Units 1 and 3
Beyond Compliance

Meeting the mandate is the floor. We teach past it.

HB 1093 sets the minimum. A checklist of topics is not a curriculum. The Crescara//Project sequences Florida's required content areas in the order students will actually encounter them in life, connects them to each other, and builds habits through repetition, not review sheets.

You can't teach investing without first teaching budgeting. You can't teach credit without first teaching income. The sequence is the curriculum.

Personalized by geography
Content adapts to each student's real financial context. A student in rural Florida and a student in a major city are not facing the same realities.
Habits built in, not bolted on
Budgeting, saving, reading fine print, reinforced across all three units through the Consequence Engine, not addressed once in a single chapter.
Zero prior knowledge assumed
Every concept is introduced from scratch. Teachers do not need a financial background. Students do not need one either.
Ready to meet the mandate?

The curriculum is ready now.

Florida schools that connect now will be ahead of the requirement. Reach out at info@crescaraproject.org.

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