3.9 Personal Financial Literacy

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explain the connection between human capital/labor and income
describe the relationship between the availability or scarcity of resources and how that impacts cost
identify the costs and benefits of planned and unplanned spending decisions
explain that credit is used when wants or needs exceed the ability to pay and that it is the borrower's responsibility to pay it back to the lender, usually with interest
list reasons to save and explain the benefit of a savings plan, including for college
identify decisions involving income, spending, saving, credit, and charitable giving

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