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An increasing number of American states are requiring that students receive personal finance education in order to complete high school.
美国越来越多的州要求学生接受个人金融教育才能完成高中学业。
At the same time, states are hoping to improve math skills among students in the United States.
与此同时，各州都希望提高美国学生的数学技能。
Capital City Public Charter School in Washington, D.C. has a course called Advanced Algebra with Financial Applications.
华盛顿特区的首都公共特许学校开设了一门名为《高等代数与金融应用》的课程。
The school has offered the math class for more than 10 years.
这所学校开设数学课已经有10多年了。
The class provides students with basic knowledge about money management and helps them sharpen their math skills.
该课程为学生提供有关理财的基础知识，并帮助他们提高数学技能。
Classes discuss credit, investments, and loans, for example, and connect these ideas with methods of math for calculating interest, budgeting and more.
例如，课程讨论信贷、投资和贷款，并将这些概念与计算利息、预算等数学方法联系起来。
The high school may be a leader in providing financial education, but in recent years, many others have offered similar courses.
这所高中可能在提供金融教育方面处于领先地位，但近年来，其他许多学校也提供了类似的课程。
Since 2020, nine U.S. states have passed laws or policies requiring schools to provide personal finance education before students can graduate from high school.
自2020年以来，美国已有9个州通过了要求学校在学生高中毕业前提供个人理财教育的法律或政策。
The U.S. non-profit organization, Council for Economic Education, says 30 states now have such policies in place.
美国非营利组织经济教育委员会表示，目前有30个州实施了这样的政策。
The increase comes as educators are trying to improve students' math skills, which dropped during the pandemic and have not fully recovered.
这一增长正值教育工作者试图提高学生的数学技能之际。在疫情期间，美国学生的数学技能有所下降，至今仍未完全恢复。
At the same time, a general dislike or disinterest for math remains a barrier among young people.
与此同时，对数学的普遍厌恶（即不感兴趣）仍然是年轻人学习数学的障碍。
Tonica Tatum-Gormes teaches the course at the Washington school.
托妮卡·塔图姆-戈尔梅斯在该华盛顿学校教授这门课程。
She said students get more interested in math when they see how it connects with their future financial well-being.
她说，当学生们看到数学与他们未来的财务幸福感之间的联系时，他们会对数学更感兴趣。
Students begin to understand that "'yes, I need to learn decimals, and I need to learn fractions, and I need to learn percentages because I have to manage my money and I have to take out a loan,'" Tatum-Gormes said.
塔图姆-戈尔梅斯说，学生们开始明白，“是的，我需要学习小数，我需要学习分数，我需要学习百分比，因为我必须管理我的钱，我不得不申请贷款。”
Supporters say personal finance courses help students learn how to make smart money decisions and develop an interest in math as a result.
支持者表示，个人理财课程帮助学生学习如何做出明智的理财决定，从而培养他们对数学的兴趣。
The Council for Economic Education says financial education should include exploring subjects like earning, budgeting, saving, investing, and managing credit and financial risk.
经济教育委员会表示，金融教育应该包括探索诸如收入、预算、储蓄、投资以及管理信贷和金融风险等主题。
Experts say the class does not have to be taught by a traditional math teacher.
专家表示，这门课不一定要由传统的数学老师授课。
Idaho is one of the states where a new financial literacy requirement is in place.
爱达荷州是实施新的金融知识要求的州之一。
The new program will give students the chance to use skills from their algebra, calculus, and economics classes in real life.
这个新项目将会让学生有机会在现实生活中运用他们在代数、微积分和经济学课上学到的技能。
In the class, they will calculate their future student loans, rent payments, and income requirements.
在这门课上，他们将计算他们未来的学生贷款、租金和收入。
Experts say the 2007-2008 financial crisis, pandemic-linked economic insecurity and current high inflation may have increased Americans' desire for stronger financial knowledge.
专家表示，2007-2008年的金融危机、与疫情相关的经济不安全感以及当前的高通胀可能增加了美国人对更强金融知识的渴望。
Less than one-fourth of millennials show basic financial literacy, the Council for Economic Education says.
经济教育委员会表示，千禧一代中只有不到四分之一的人具备基本的金融知识。
In 2020, the American civil rights group, NAACP, released a resolution calling for more financial literacy programs in K-12 schools.
2020年，美国民权组织全国有色人种协进会发布了一项决议，呼吁在K-12学校开设更多的金融知识课程。
A study by the non-profit Next Gen Personal Finance Schools looked at states without high school financial literacy requirements.
非营利组织“下一代个人理财”的一项研究调查了没有高中金融知识要求的州。
It found that in schools with mainly Black and Hispanic student populations, only seven percent of students have access to a half-school year personal finance course.
调查发现，在以黑人和西班牙裔学生为主的学校中，只有7%的学生有机会学习半学年的个人理财课程。
That figure rises to 14.2 percent for schools with less than a quarter of students identifying as Black or Hispanic.
在黑人或西语裔学生比例不到四分之一的学校，这一数字上升到14.2%。
That lack of fairness is a driving force behind the financial literacy course at Capital City Public Charter School.
这种不公平是首都公共特许学校开设金融知识课程背后的推动力。
It serves a student population that is 64 percent Latino and 25 percent Black.
该校学生中有64%是拉美裔，25%是黑人。
"It's an empowering course," says Laina Cox, head of the school.
该校负责人莱娜·考克斯说：“这是一门赋能课程。”
"I think it gives our young people the language that they need and the voice when they're in certain rooms and at certain tables."
“我认为这在特定的阶段给了我们的年轻人他们需要的语言和声音。”
I'm Dan Novak.
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