MA H594

Requires every high school student in Massachusetts to complete at least one standalone personal financial literacy course (minimum half school year) before graduation as a condition for receiving a diploma

Establishes the Financial Literacy Trust Fund, administered by the Commissioner of Elementary and Secondary Education, funded through appropriations, interest, and public/private gifts, grants, and donations

Mandates curriculum covering six core areas: earning/spending income and budgeting; saving and banking; credit and investments; asset protection and identity theft prevention; emerging financial technologies including cryptocurrencies; and renting/buying homes

Requires each public high school to provide at least one experiential personal financial literacy learning opportunity per student, which may be individual, small group, or class-wide

Directs the Department of Elementary and Secondary Education to provide professional development for educators and submit annual reports to the legislature by October 1 detailing fund activity, expenditures, and projections