Freshman - Balance sheet basic accounting applies to personal savings, basics on taxes
Soph - Basics of lending and how interest works - credit cards, auto loans, home loans
Jr - Basics of investing different products - stocks, bonds, funds, compounding interest working for you
If you don't knock those out you do it your senior year instead of going less than a full day like many seniors currently do.
Dump an elective for this.
It would change our society. We are so fixated on the college prep diploma K-12....the purpose of K-12 should be to send an educated person into the world not be a minor leagues for colleges that don't do much better of a job.