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California High Schools Mandate Money Classes
加州高中将个人理财课设为必修
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California High Schools Mandate Money Classes
加州高中将个人理财课设为必修
美国加利福尼亚州出台了一项新法律，自2027年秋季起，所有公立高中学生必须修完一门个人理财课程才能毕业。在这门为期一学期的课程中，学生们将学习贷款和税务管理、投资技巧以及防范金融诈骗等实用的生活知识。外界普遍期待这门课程能够帮助青少年在正式步入社会前，建立起必要的个人财务管理能力。
California high school students will soon take a required class about money.
加利福尼亚州的高中生很快就要上一门必修的理财课了。high school students 高中生 / required class 必修课 / about money 关于理财的
A new law requires all public high schoolers
一项新法律要求所有公立高中生new law 新法律 / requires 要求 / public high schoolers 公立高中生
to pass a personal finance course before graduating.
在毕业前必须通过一门个人理财课程。pass 通过 / personal finance course 个人理财课程 / before graduating 毕业前
The one-semester class will officially start by the fall of 2027.
这门为期一学期的课程将于2027年秋季正式开课。one-semester class 一学期的课程 / officially start 正式开课 / fall of 2027 2027年秋季
This makes California one of 30 US states
加州也因此成为全美30个makes California 让加州成为 / US states 美国各州
that guarantee financial education for teens.
保障青少年金融教育的州之一。guarantee 保障 / financial education 金融教育 / for teens 面向青少年
So, what exactly will teenagers learn in these classes?
那么，青少年们究竟会在这门课上学到什么呢？what exactly 究竟什么 / learn in these classes 在这些课程中学到
The course covers practical money topics,
该课程涵盖了实用的理财主题，covers 涵盖 / practical money topics 实用的理财主题
including how to manage loans and pay income taxes.
包括如何管理贷款和缴纳个人所得税。including 包括 / manage loans 管理贷款 / pay income taxes 缴纳个人所得税
Students will also learn how to invest money,
学生们还将学习如何投资，learn how to 学习如何 / invest money 投资理财
handle insurance, and avoid financial scams.
处理保险事务以及防范金融诈骗。handle insurance 处理保险 / avoid financial scams 防范金融诈骗
Governor Gavin Newsom supports the new law,
州长加文·纽森也对这项新法律表示支持，Governor 州长 / supports the new law 支持新法律
saying teens need these skills before they start their careers.
他表示青少年在开启职业生涯前需要掌握这些技能。need these skills 需要这些技能 / start their careers 开启职业生涯
In fact, some California schools offered the class early,
事实上，加州的部分学校此前已提前开设了这门课，In fact 事实上 / offered the class 开设了课程 / early 提前
and it quickly became their most popular elective.
而且它很快就成了最受欢迎的选修课。quickly became 很快成为 / most popular elective 最受欢迎的选修课
Teachers report very high student engagement,
教师们表示学生的参与度非常高，report 反映 / student engagement 学生的参与度
especially with lessons on credit scores and savings.
特别是在信用评分和储蓄相关的课程上反响热烈。lessons on 关于……的课程 / credit scores 信用评分 / savings 储蓄
Education groups hope to bring these finance classes
教育团体希望将这类理财课程推广，Education groups 教育团体 / hope to bring 希望推广 / finance classes 理财课程
to every high school across the country by 2030.
争取在2030年前覆盖全国的所有高中。every high school 每所高中 / across the country 全美 / by 2030 到2030年为止
Quiz 🧠
Q1. Learning basic personal finance helps teenagers manage loans and avoid scams in adulthood.
查看答案
✅ True
学习贷款、税务和防诈骗等理财知识，能对学生成年后的日常生活带来很大帮助。
Understanding money topics like loans, taxes, and scams gives young people essential skills for everyday adult life.
Q2. What does 'scam' mean in 'avoiding online scams'?
查看答案
✅ a dishonest trick
Scam 指为了骗取他人钱财而采取的不诚实欺诈手段。
A scam is an illegal or dishonest trick used to take money from people.
Q3. Why do California high schools require students to learn personal finance before graduating?
查看答案
✅ To prepare for adulthood
为了帮助学生在步入社会前学会妥善管理税务与贷款，并安全地打理自己的财务。
Managing taxes, loans, and credit helps students handle their money safely before starting their careers.
Dialogue 🎧
Michael: Imagine if your high school actually taught you how to do your income taxes.
Michael: 想象一下，要是高中真的教你怎么报个人所得税该多好。
Emma: Well, California is making that happen!
Emma: 哈哈，加利福尼亚州正打算把这变成现实呢！
Emma: All public high schoolers must pass a personal finance course to graduate.
Emma: 所有公立高中生都必须通过一门个人理财课才能毕业。
Michael: Wait, really? That is a real graduation requirement now?
Michael: 等等，真的吗？现在这真的成了毕业硬性要求了？
Emma: It will be! The one-semester class officially starts by the fall of 2027.
Emma: 真的！这门一学期的课程将在2027年秋季正式开课。
Michael: I bet kids will hate it. It sounds just like extra math homework.
Michael: 我敢说学生们肯定会讨厌它的，听起来就像是额外的数学作业。
Emma: Actually, no!
Emma: 其实完全不会！
Emma: Some schools offered it early, and it quickly became their most popular elective.
Emma: 有些学校提前试点开设了这门课，结果很快就成了最抢手的选修课。
Michael: No way. Teenagers are voluntarily choosing a money class for fun?
Michael: 不是吧？十几岁的青少年居然会自愿且开心地选修一门理财课？
Emma: Yes! Teachers report high student engagement, especially with lessons on credit scores and savings.
Emma: 没错！老师们反映学生的课堂参与度特别高，尤其是在讲信用积分和储蓄的课上。
Michael: To be fair, I still get confused about my own credit score.
Michael: 说实话，我自己现在对信用积分都还经常搞不明白呢。
Emma: Right? Students will also learn to manage loans, invest money, and avoid financial scams.
Emma: 可不是嘛！学生们还会学到怎么管理贷款、投资理财，以及如何防范金融诈骗。
Michael: Avoiding scams and investing? That is genuinely useful stuff for real life.
Michael: 既能学防诈骗又能学投资？那对现实生活可真是太有用了。
Emma: They even cover insurance.
Emma: 他们甚至连保险都会讲到。
Emma: Governor Gavin Newsom said teens need these skills before starting their careers.
Emma: 州长加文·纽森也说，青少年在步入职场之前必须掌握这些技能。
Michael: That makes total sense. Is California the only state doing this?
Michael: 这太有道理了。目前只有加州在推行这个政策吗？
Emma: Not at all. California is one of thirty US states that guarantee financial education.
Emma: 并不是。加州已经是全美三十个保障金融教育的州之一了。
Michael: Thirty states already? That is way more progress than I expected.
Michael: 都已经有三十个州了？这进展比我预想的快多了。
Emma: And education groups hope to bring it to every high school across the country by 2030.
Emma: 而且教育团体还希望到2030年，能把这种课推广到全美的每一所高中呢。
Michael: Honestly, I really wish I had that class when I was sixteen.
Michael: 讲真的，我真希望自己十六岁那会儿也能上这样的课。
Emma: Me too! It definitely beats learning about money the hard way.
Emma: 我也一样！这总比以后在现实里吃尽苦头才学会理财要强得多。