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Real Life Financial Mathematics

An advanced math and CTE course for real-life personal financial literacy, career & college planning.

Real Life Personal Finance for the Classroom

Personal Finance course, developed by award-winning financial professionals, to prepare students for making real-life decisions.

Real Life Personal Finance for Independent Study

An engaging, dynamic, thinking course design for students attending public, private and homeschools.

Real Life Personal Finance for Dual Credit

A real-life, comprehensive financial course that has saved students thousands of dollar in college funding and guided them in making excellent career decisions.

Real Life Personal Finance for Professional Development

D&A shares decades of professional financial experience with educators on how to teach comprehensive, thinking, personal financial education and achieve life-changing outcomes for yourself and students.

Ready To Launch

The perfect workbook for college-bound students with material not found in typical financial literacy courses – how to save thousands of dollars in college expenses, how to select the right major, and how to identify the careers you will love and provide a desired standard of living.

For more than 40 years, Decker & Associates, Inc (D&A), a social impact enterprise, has provided unbiased financial education and planning to thousands of families worldwide. Employers, school districts, government, and nonprofit organizations retained D&A to advise their employees on retirement, relocation, estate planning, taxes, and investment management. D&A has the professional expertise to help individuals plan for the future and become financially independent.

In 2004, D&A created a challenging, thinking, problem-solving personal finance summer course, the Game of Real Life, hosted at Rice University, the University of Houston, Houston Community College, and ten Houston area-high schools, for underserved high school students. The objective was not to entertain students in a fun, fluff course, but to educate and prepare them to make wise real-life decisions.

Eight years later, with outstanding outcomes achieved by Game graduates, Texas Education Agency asked D&A to review the standards for a new financial math course in an attempt to replicate the outcomes for college attendance and completion.

In 2012, Real Life Financial Mathematics (RLFM) was published. RLFM and subsequent Real Life courses provide outcome focused financial education integrated with a Thinking Instructional Methodology to prepare students for the decisions they will make in the knowledge economy of the 21st century. (Texas school districts purchase the courses with state instructional materials funds.)

How Do I Survive This Financial Crisis?

As millions of Americans face medical and financial challenges precipitated by Covid-19, the majority have no emergency funding. Many more hard-working Americans will be unemployed and discover that without employment, they have no medical coverage. What actions can you take to prepare?

Real Life Courses

Decker & Associate, the leader in personal financial education curriculum

D&A is a boutique publisher of comprehensive, challenging personal financial education and planning material. It offers Texas math, social studies, CTE courses, and educator professional development to prepare individuals for teaching a thinking, problem-solving cause and effect curriculum for making real-life financial, career and postsecondary education funding decisions.

Real Life Financial Mathematics (RLFM)

A motivating, one-year, classroom flipped, blended online course using Canvas LMS. Students receive a math credit for this CTE course which engages students in real-life problem-solving. RLFM is a TEA approved alternative course to Pre-Calc and Calculus. If Calculus is not required to attend college, RLFM is considered by college counselors to be the better choice.

Real Life Personal Finance for Dual Credit (RLPF-DC)

A challenging, one-semester, classroom flipped, blended online, Canvas LMS (license paid by D&A), financial literacy course meeting 100% of TEKS, 100% ELPS, and college content requirements.

Real Life Personal Finance Professional Development I & II

Using Canvas LMS (license paid by D&A), educators develop Personal Financial Literacy knowledge and pedagogy for applied thinking and real-life problem-solving. CTE hours - 50 PD1 and 60PD2. WORD TO THE WISE - if you want to teach a fun, fluff, personal financial literacy course and achieve no outcomes, nor change no lives, Real Life is probably not for you.

Real Life Personal Finance for the Classroom (RLPF-C)

A one-semester, one-half social studies credit course, for the flipped classroom. This blended online, Canvas LMS course, provides comprehensive personal financial education, career discovery, postsecondary selection & funding knowledge integrated with thinking and real-life problem-solving to ultimately achieve financial independence.

Real Life Personal Finance for Independent Study (RLPF-I)

A one semester, Canvas LMS (license paid by D&A), Personal Finance course designed for self-study students in credit recovery, summer programs, gifted and talented and homeschooling.

Ready to Launch

A workbook for students preparing for college. Content addresses areas often omitted in  PFL courses - funding college, selecting majors, and identifying financially rewarding careers.