Part of the Canadian Provincial Curriculum Alignment series.
A three-book Canadian financial-literacy workbook series by Michael McCracken: Book 1 — The Money Starter Pack (foundations, suggested Grades 6–9), Book 2 — The Grind (paycheques, taxes, credit, investing; Grades 9–12), Book 3 — Endgame (advanced planning; senior grades/adult). Print workbooks, 8.5×11, greyscale, with write-in activities throughout. Workplace Mathematics 10’s financial-literacy unit and CLE’s personal-finance content are the primary anchors.
BC requires Career-Life Education for graduation and carries financial-literacy content through the mathematics pathways, most explicitly in Workplace Mathematics 10. The table maps each curricular anchor to specific chapters.
How The Money Skill Tree maps to the British Columbia curriculum
| Provincial outcome / requirement | Coverage in The Money Skill Tree (Canadian Edition) |
|---|---|
| Career-Life Education (CLE) — 4 required graduation credits: personal financial planning and budgeting for post-graduation life | B1 Ch 9 (50/30/20 with a modified-ratio discussion for high-cost cities); B2 Ch 6 (emergency fund sizing), Ch 7 (pay-yourself-first automation); B3 Ch 8 (goal costing and long-horizon planning) |
| — Entrepreneurship and career-life choices | B1 Ch 4 (first ventures, pricing, safety protocols); B3 Ch 3 (offers, total compensation, negotiation — including unionized/fixed-wage pathways), Ch 4 (scaling a venture; GST/HST registration) |
| Workplace Mathematics 10 — financial literacy unit: types of income | B2 Ch 1 §2 “More Ways Pay Arrives” — wages, salary, commission (worked % example), piecework (per-unit example), tips (taxability), and contract/gig income, plus budgeting guidance for variable income |
| — Gross pay, deductions, and net pay | B2 Ch 1 (full sample pay stub with 2026 CPP/EI/income-tax lines; Tax Gap calculation; YTD reading), Ch 2 (how each deduction is calculated; BC example at $18.25/hour) |
| — Proportional reasoning in consumer contexts (unit conversions, pricing) | B1 Ch 3 (unit pricing per 100 g / 100 mL; cost-per-use; sales-tax both-direction calculations), Ch 2 (currency exchange: converting between CAD and USD, spreads and card FX fees) |
| Mathematics 10–12 financial-literacy threads (Foundations/Pre-Calculus and Workplace pathways) | B1 Ch 7 (compound interest, Rule of 72); B2 Ch 5 (loan amortization comparisons), Ch 8–10 (investment growth, fees, and risk); B3 Ch 8 (savings-rate mathematics) |
| Career-Life Connections (CLC) — capstone reflection | B3 Ch 7–9 (defining “enough,” financial-independence math, and a personal 90-day action plan) provide capstone-ready reflection and planning artefacts. |
B1 = Book 1 (The Money Starter Pack) · B2 = Book 2 (The Grind) · B3 = Book 3 (Endgame) · “Ch” = chapter.
Instructional features
Every chapter closes with a hands-on Skill Quest and Elite Quest (write-in activities with worked examples), Guild Chat discussion prompts (adaptable to pair-share or guest-speaker formats), a SOLO reflection prompt, and a self-assessment Summary Checklist. All dollar figures, tax rates, and contribution limits reflect 2026 published values, with in-text reminders to verify current rates at canada.ca.
Scope
Examples use BC institutions and figures where relevant (Vancity, BC minimum wage, BC provincial credits in the donation-tax example). Sales-tax coverage explicitly handles BC’s GST + PST structure.
Curriculum source
Curriculum source: Career-Life Education — curriculum.gov.bc.ca/curriculum/career-education/all/career-life-education · Workplace Mathematics 10 — curriculum.gov.bc.ca/curriculum/mathematics/10/workplace-mathematics
Prepared July 2026 · moneyskilltree.com · Curriculum references should be verified against current ministry documents at time of adoption.
← All provinces & territories · Shop the Canadian edition · Ask about a specific outcome