How Do Standards of Financial Education in States with Mandatory Standalone Financial Courses Align with the Council for Economic Education?

How Do Standards of Financial Education in States with Mandatory Standalone Financial Courses Align with the Council for Economic Education? | Authorea try { document.documentElement.classList.add('js'); } catch (e) { } var _gaq = _gaq || []; _gaq.push(['_setAccount', 'G-8VDV14Y67G']); _gaq.push(['_trackPageview']); (function() { var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(ga, s); })(); Skip to main content Preprints Collections Wiley Open Research IET Open Research Ecological Society of Japan All Collections About About Authorea FAQs Contact Us Quick Search anywhere Search for preprint articles, keywords, etc. Search Search ADVANCED SEARCH SCROLL This is a preprint and has not been peer reviewed. Data may be preliminary. 7 April 2025 V1 Latest version Share on How Do Standards of Financial Education in States with Mandatory Standalone Financial Courses Align with the Council for Economic Education? Authors : Ethan Wind 0009-0007-6385-6120 [email protected] and Sanford H Calhoun Authors Info & Affiliations https://doi.org/10.22541/au.174405219.99979134/v1 224 views 157 downloads Contents Abstract Supplementary Material Information & Authors Metrics & Citations View Options References Figures Tables Media Share Abstract This study aims to improve financial education nationwide. Using a natural language processing approach, the researcher converted state financial literacy standards and the National Standards for Personal Financial Education developed by the Council for Economic Education (CEE) into machine-readable formats and applied OpenAI's text-embedding-ada-002 model to calculate cosine similarity scores between state and national standards. A random sample of 100 scores was manually inspected, yielding a precision rate of 85-96% through a 95% confidence interval. Results show significant variation in alignment across states and subjects, with categories like investing and managing credit being the most underrepresented. This scalable, semi-automated procedure offers a replicable framework for curriculum writers and evaluators to find specific gaps in the material, allowing them to improve financial education. Supplementary Material File (how_do_standards_of_financial_education_in_states_with_mandatory_standalone_financial_courses_align_with_the_council_for_economic_education.pdf) Download 1.83 MB Information & Authors Information Version history V1 Version 1 07 April 2025 Copyright This work is licensed under a Creative Commons Attribution 4.0 International License Keywords cosine similarity curriculum alignment education policy financial literacy nlp Authors Affiliations Ethan Wind 0009-0007-6385-6120 [email protected] View all articles by this author Sanford H Calhoun View all articles by this author Metrics & Citations Metrics Article Usage 224 views 157 downloads .FvxKWukQNSOunydq8rnd { width: 100px; } Citations Download citation Ethan Wind, Sanford H Calhoun. How Do Standards of Financial Education in States with Mandatory Standalone Financial Courses Align with the Council for Economic Education?. Authorea . 07 April 2025. 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Format Please select one from the list RIS (ProCite, Reference Manager) EndNote BibTex Medlars RefWorks Direct import Tips for downloading citations document.getElementById('citMgrHelpLink').addEventListener('click', function() { popupHelp(this.href); return false; }); $(".js__slcInclude").on("change", function(e){ if ($(this).val() == 'refworks') $('#direct').prop("checked", false); $('#direct').prop("disabled", ($(this).val() == 'refworks')); }); Cited by Sungsoo Lee, Hyoduk Shin, Hakyeon Lee, Translate patent vacancies into human-readable texts: Identifying technology opportunities with text embedding inversion, Advanced Engineering Informatics, 68 , (103661), (2025). https://doi.org/10.1016/j.aei.2025.103661 Crossref Loading... View Options View options PDF View PDF Figures Tables Media Share Share Share article link Copy Link Copied! Copying failed. 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