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. Book 2 is the closest single-volume match to the GLC2O requirement; Book 1 supports the Grades 7–9 lead-up.
From the 2026–27 school year, students who began Grade 9 in 2025–26 or later must pass a financial-literacy assessment (TVO-developed modules and test, 70% threshold, 5% of the GLC2O course grade). The table maps each assessed domain, plus the Grade 9 mathematics Financial Literacy strand, to specific chapters.
How The Money Skill Tree maps to the Ontario curriculum
| Provincial outcome / requirement | Coverage in The Money Skill Tree (Canadian Edition) |
|---|---|
| Financial Literacy Graduation Requirement (2026–27 onward, delivered in Grade 10 Career Studies, GLC2O): Budgeting | B1 Ch 3 (needs vs. wants; sales tax and the real checkout price), Ch 9 (50/30/20 budgeting with worked splits and an emergency protocol); B2 Ch 6–7 (emergency fund, automated saving) |
| — Interest rates | B1 Ch 7 (simple vs. compound interest, Rule of 72, worked tables), Ch 10 (cost of borrowing, minimum-payment mathematics); B2 Ch 5 (loan-rate comparisons at three credit tiers) |
| — Earning & saving | B1 Ch 4 (first income and pricing your work), Ch 5–6 (banking, chequing vs. saving, CDIC); B2 Ch 1 (pay stubs; wage, salary, commission, piecework, tip, and contract income) |
| — Taxes | B2 Ch 1–2 (TD1, CPP/EI, marginal vs. effective rates with 2026 brackets), Ch 3 (TFSA/FHSA/RRSP/RESP), Ch 4 (filing a first return, GST/HST credit) |
| — Credit & debt | B1 Ch 10 (consumer vs. strategic vs. predatory debt; credit-score factors); B2 Ch 5 (building credit from zero; utilization; secured cards) |
| — Consumer awareness | B1 Ch 2 (frictionless spending, subscriptions, dynamic pricing, exchange rates and FX fees), Ch 3 (marketing tactics by name; unit pricing; cost-per-use) |
| — Financial fraud | B2 Ch 12 (four psychological levers of fraud; CRA scam, phishing, identity theft; Canadian Anti-Fraud Centre reporting; password and 2FA practice) |
| Grade 9 Mathematics (MTH1W), Strand F — interest, budgets, appreciation/depreciation, financial decisions | B1 Ch 7 (compound growth), Ch 8 (inflation and purchasing power; depreciation vs. appreciation with worked car/phone examples), Ch 9 (budgets); B3 Ch 1 (appreciation and leverage in housing) |
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
The provincial assessment is administered through TVO module content; this series is a complementary instructional and practice resource rather than the assessment vehicle. Chapter quests (e.g., the Bracket Calculator, Interest Leak, and Paycheque Decoder) provide computable practice aligned to the tested domains.
Curriculum source
Curriculum source: Financial Literacy Graduation Requirement — ontario.ca/page/financial-literacy-education-schools · assessment modules: tvolearn.com/pages/financial_literacy_graduation_requirement
Prepared July 2026 · moneyskilltree.com · Curriculum references should be verified against current ministry documents at time of adoption.
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