Finance
Brevard’s school board set to adopt Dave Ramsey’s Christian-based financial curriculum
Dave Ramsey’s courses discuss how to save money in a God-honoring way.
Following in the footsteps of other districts around the state, Brevard Public Schools is set to approve Dave Ramsey’s Christian-based financial curriculum for high schoolers at Tuesday’s board meeting.
The course is meant to “help students avoid loans and other money traps” and give them “the secure future they deserve,” according to Ramsey’s website.
Despite the curriculum being built on an evangelical Christian worldview and how to honor God with your money, the text was approved for use in Florida public schools in 2023 by the state board of education.
Pasco County’s school board unanimously approved the curriculum in 2023 despite reviewers saying the textbook was “riddled with problems” and included quotes from Scripture to back up key points, according to a report by WUSF. Ramsey’s website doesn’t say how many other districts in Florida use the curriculum. FLORIDA TODAY reached out for clarification but received no response.
Brevard’s school board will vote on whether or not to approve it on Tuesday at the 5:30 p.m. meeting, according to the agenda published on the district’s website. Members of the public can comment ahead of the vote.
Who is Dave Ramsey?
Ramsey, the founder and CEO of Ramsey Solutions — a company that provides financial undefined services with a Biblical-based worldview — is a personal finance expert and host of “The Ramsey Show” podcast. According to his website, he fought his way out of bankruptcy and millions of dollars in debt, then set out to change the “toxic money culture” and provide a Bible-based financial curriculum for people from all walks of life.
The legitimacy of his financial advice has been debated for more than 10 years, with a Reuters article from 2013 calling his investing advice that of a “financial illiterate.” The article adds that his advice is targeted toward people who generally won’t be able to afford to invest in the ways he suggests anyway. He offers encouragement to save money, though doesn’t excel at explaining how to do so, critics said.
What does Ramsey’s curriculum cover?
“Foundations in Personal Finance” is a high school curriculum that covers topics such as budgeting and saving, avoiding debt, investing and more. The curriculum includes a textbook, as well as videos with finance experts and online student activities.
It was approved by the Florida Department of Education for the 2023-2024 school year for the Florida high school course Personal Finance and Money Management, as well as its honors counterpart.
Is Dave Ramsey’s curriculum approved by Florida’s board of education?
Ramsey’s book was on The Florida Department of Education’s list of approved materials for the 2023-2024 school year. The list of approved materials for the 2025-2026 school year is still being finalized.
Ramsey’s website says the material in “Foundations in Personal Finance” and “Foundations in Economics and Personal Finance” meets the requirements for two different Florida high school courses and claims that 45% of schools in the United States use the Foundations curriculum.
How did Brevard pick Dave Ramsey’s curriculum?
The recommendation to use Ramsey’s book came from Brevard’s Personal Finance Review Team and community members who reviewed the books at Viera Middle School in October, according to the district’s website. The book was also available to view for feedback online from Sept. 20 through Nov. 18, with feedback shared with the District Review Team.
What does Florida’s personal financial literacy course teach?
Florida’s Personal Financial Literacy course is designed to introduce students to concepts including the American economic system, personal and family management of resources and income, money management, saving and investing, spending and credit, consumer information and taxation, financial planning and the role of financial institutions, according to the Florida Department of Education.
It became a required class for high schoolers during the 2023-2024 school year, when a financial literacy course law signed into law by Gov. Ron DeSantis took effect.
According to the Council for Economic Education, in 2024, 35 states required students to take a course in personal finance to graduate from high school.
Can parents choose another curriculum?
If the school board approves the curriculum at the Tuesday school board meeting, Brevard County residents can contest the selection within 30 days. For any petitions received within this timeframe, the school board will be required to hold at least one public hearing before an “unbiased and qualified hearing officer” who cannot be an employee of the district, according to their website. Petitioners must be given an opportunity to present their issue with the curriculum. The school board’s decision after the hearing is final.
Finch Walker is the education reporter at FLORIDA TODAY. Contact Walker at fwalker@floridatoday.com. X: @_finchwalker.
Finance
Las Cruces finance director gets national honor for ‘exceptional contributions’
EL PASO, Texas (KTSM) — The City of Las Cruces’ finance director has received a national honor recognizing “exceptional contributions to public finance and local government service,” the City said.
Finance Director Lesley Doyle was selected by the Government Finance Officers Association (GFOA) to receive the organization’s “Recognition for Outstanding Public Service.”
The award recognizes Doyle’s leadership during a critical financial period for the City.
She stepped into the role of finance director as the City’s FY25 audit identified a projected beginning balance shortfall of more than $10 million in a community of nearly 120,000 residents, the City said.
Doyle led a coordinated effort to communicate the financial situation clearly to City departments, executive leadership, and the City Council, while working with the budget team to close the gap without reducing essential services.
Josie Trevino, assistant finance director, credited Doyle with building a culture of trust and collaboration between the Finance Department and other City departments from the beginning of her tenure.
Doyle came to municipal government after a career in public education, transitioning from a school district into City finance leadership.
“In her first year, she met the challenge with confidence, emphasizing open communication, transparency, and proactive problem-solving. Her leadership has helped strengthen relationships across the organization while fostering a positive and supportive workplace culture within the Finance Department,” the City of Las Cruces said.
“The balance of technical skill and genuine care for people is what makes Lesley’s leadership unique,” Trevino said.
The GFOA has published Doyle’s recognition on its website, and her story will also be highlighted during the upcoming GFOA newsletter and highlighted at the annual GFOA conference.
Finance
Former top Treasury adviser warns that HMRC plans to track personal finances with AI
A former senior Treasury adviser to Gordon Brown has warned that HMRC is on the cusp of using artificial intelligence to track people’s and businesses income and expenditure without them knowing.
Dr Chris Wales, who was a member of Mr Brown’s Council of Economic Advisers for more than six years, has sounded the alarm while launching a chilling book on the conduct of the Spanish tax authority, Agencia Tributaria.
He is set to join former Labour Treasury minister Baroness Dawn Primarolo at an event next week flagging up how the Spanish model of dealing with tax evasion is about to arrive in the UK suggesting that the door is opening for a “surveillance state.”
In a preview of the future, Dr Wales has claimed that confidentiality in personal life – not just finances – “will simply go out of the window” and asks whether there are adequate safeguards in the UK to prevent HMRC from emulating its Spanish counterpart.
He said: “From 1 January, every single invoice will go through the tax agency in Spain. The Inspector can already obtain all your utility bills and will soon find out which clinic and pharmacy you use and what you buy there, which restaurants you eat at, where you purchase wine and groceries, what kind of car you have, how far you drive and where you park, what flights you take and which hotels you use. Information security? A thing of the past.”
He went on: “I am far from being a libertarian, but I see great danger in the direction in which tax authority powers are going, particularly because the process doesn’t seem to involve our active consent. There is little parliamentary debate about it. In Spain it is simply out of control. In the UK, let’s see.”
Highlighting the CONNECT AI program already used by HMRC in the UK, Dr Wales claimed that the UK is now close to following Spain’s lead.
He said: “HMRC has been using sophisticated information technology for years including an AI system called CONNECT which, as early as 2023, was said to contain more than 55 billion taxpayer-related data items.
“It will be much bigger today with these billions of pieces of information about taxpayers capable of being sorted quickly by AI.”
Dr Wales, who is now senior research adviser at International Centre for Tax and Development, added that HMRC also declines to say what algorithms it uses, under the pretext that if you publish them people will “game the system”, a claim that he suggests does not stand up to scrutiny.
“The system is understood to be used to target evasion. For tax authorities, everyone is a potential tax evader. This means that they believe they have a legitimate reason to collect data about all of us,” he said.
Finance
Boyle Heights warehouse fire: Where neighbors, victims can seek financial assistance
More than two weeks after a fire broke out inside the Lineage warehouse in Boyle Heights, many neighbors have received N95 masks and air purified while mobile health clinics are set up in their area.
But some neighbors said the massive fire that sent toxic fume into the air and created a horrendous stench of rotting food has cost them out of pocket.
Neighbors said they missed days of work while spending extra money on property cleanup. One woman said she spent hundreds of dollars on air purified before they became more widely distributed.
Lineage, the company that operates the burned warehouse, donated $2 million to the California Community Foundation (CCF) so the money can be distributed to the community. The organization said it’s split the money between different organizations.
At least 10 of them are listed as providing financial assistance.
The Boyle Heights Chamber of Commerce said it’s offering small business grants funded, in part, by the group, Inclusive Action for the City.
“We’re hoping that for brick and mortars: it would be up to $3,000. And then for our vendors, it would be up to $1,000,” Miriam Rodriguez with the Boyle Heights Chamber of Commerce said, adding the application is “very straightforward.” “It’s intentionally made that way so that there’s not a lot of requirements. We’re not asking for legal status. We’re not asking for pages of documentation.”
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