The Brief

With a state mandate looming, the Los Angeles Unified School District this week joined other districts in preparing to introduce a semester of personal finance by the Legislature’s 2027-28 deadline.

The LAUSD school board gave the go-ahead on Tuesday while stipulating that elements of financial literacy and economic justice be incorporated into the course.

As of 2023, only 27% of the state’s high school students attended a school that offered a course in personal finance, the California Department of Education reported. But to increase access and make it a high school graduation requirement, the state passed Assembly Bill 2927 in 2024, which proponents argue could boost students’ lifetime earnings by roughly $100,000.

Twenty-nine states already require such a course.

“If you speak to any adult, they will tell you one of two things,” said Tim Ranzetta, a co-founder of Next Gen Personal Finance. “One is, ‘It’s a class I wish I had.’ The second is, ‘Can you educate my kids?’”

Per the resolution, the LAUSD will be required to provide an update that includes a start date of February 2026. The course will address:

• Budgeting 
• Borrowing 
• Interest rates
• Banking 
• Taxes
• Credit
• Retirement planning
• Insurance

LAUSD’s program will also incorporate financial justice — an element that can help students understand American history, literature and government from an economic perspective.

“During a time when the future of a family may seem uncertain, when many students and youth find themselves suddenly the heads of household, it’s all the more important,” said LAUSD student board member Jerry Yang at Tuesday’s meeting.

Yanely Espinal, the director of educational outreach at Next Gen Personal Finance, added that including financial justice can help students understand ongoing wage gaps based on profession, gender and other factors.

It’s “getting students to understand the reality that we live in within the financial world,” Espinal said. “It hasn’t always been so picture perfect, and while it is increasingly improving and becoming, there’s a lot of effort to try to make it more fair.”

‘Most sought-after elective courses’

Last year, Fresno Unified School District became one of the earlier California districts to offer a financial literacy elective course in the majority of its high schools.

“We just kind of floated it out there, like, ‘Hey, if we were able to offer this elective course, who’s showing interest in it?’” said Jeff Allen, a teacher on special assignment who has been focused on implementing the course districtwide. “Overnight, it became one of the most sought-after elective courses.”

And in that year alone, the district hired 15 personal finance teachers and taught 998 students.

Further south, at Olympian High School in San Diego’s Sweetwater Union High School District, Allison Saiki has been teaching financial algebra for years — and has recently worked to add financial literacy this semester.

“We have social media where students can go and learn from … financial influencers,” Saiki said. “But I have students that say, ‘Hey, you know what? We see a lot of that outside, but we don’t know what’s real. But we can come to you and we say, ‘Hey, is this true?’… and we decipher it together.”

Saiki, who has been awarded as the school’s teacher of the year and has been recognized districtwide, also transforms the classroom into an active economy, with its own currency, employment, pay, property and tax. Students fill out I-9 forms and learn about 401(k)s.

Teaching the subject has also helped Saiki personally.

“I look back and I’m like, ‘Oh my gosh, I’m an impulsive spender!’” Saiki said.

“Professional development has given me an opportunity to look at my finances and be like, ‘Wait a minute, let’s fix some things, so that I can do everything that I am telling my students to do.’”

Beyond the requirements 

Even though the mandate only calls for a one-semester high school course, Espinal said educators can start introducing students to basic principles of financial literacy even earlier.

For example, at the elementary school level, she said teachers can mimic scenarios of how they might split their birthday money into different piggy banks.

“You should decide how many of those dollars will go to saving, how many will go to spending, how many will go to charity or donations or gifting to others — and how much will you invest for the future, for bigger goals that are much beyond the next few weeks or months of your life,” Espinal said.

Middle school can be more specific, and high school should be oriented toward students’ lifetime goals, according to Espinal.

She stressed that many of the topics covered are already relevant for high schoolers, who may be navigating car insurance as young drivers, or looking into ways to pay for college. LAUSD school board member Kelly Gonez also stressed the importance of extending financial literacy into adult education during Tuesday’s board meeting.

“That early exposure amounts to very specific decisions that they have to make,” Espinal said. “But you can’t really make those decisions unless you’re informed about everything that weighs into that decision-making process.”

A federal judge ruled today that the Trump administration is not entitled to personal information belonging to California’s 23 million voters. Judge David O. Carter made the ruling.

Last year, the U.S. Department of Justice sued California, along with 22 other states and Washington, D.C., for access to their full, unredacted voter files. That includes driver’s license, social security numbers and other sensitive data.

DOJ officials said they needed the data to assess whether states were properly maintaining their voter rolls and ensuring "only American citizens are voting, only one time," as Assistant Attorney General Harmeet Dhillon said in a social media post in December.

California refused, citing state and federal privacy law. Only a handful of states have complied with the government’s request for their full voter files, according to the Brennan Center for Justice, which has been tracking the issue nationwide.

What did the judge say?

In Judge Carter’s ruling, he wrote that amassing sensitive information at the federal level would have a chilling effect on voter registration, which would lead to decreased turnout “as voters fear that their information is being used for some inappropriate or unlawful purpose.”

He added, “This risk threatens the right to vote which is the cornerstone of American democracy."

LAist emailed a request for comment to a spokesperson for the Department of Justice but has not yet received a response.

Reaction to the ruling

Jenny Farrell, executive director of the League of Women Voters of California, applauded the decision. The group had joined California in opposing the government’s data request.

“ We think that voters should never have to choose between their privacy interests and the right to participate in our democracy,” she said.

Justin Levitt, a Loyola Law School professor and former Department of Justice employee said, “The court did what we thought the court should do.”

Levitt and a group of other former DOJ employees had filed an amicus brief in the case, siding with California.

In a news release, California Secretary of State Shirley Weber wrote: “I will continue to uphold my promise to Californians to protect our democracy, and I will continue to challenge this administration's disregard for the rule of law and our right to vote.”

What's next?

The DOJ's lawsuits against other states are still making their way through the courts.

During a hearing in the case in December, Judge Carter said he anticipated his eventual ruling — whichever way it went — would be appealed, and that a final decision on the issue could rest with the U.S. Supreme Court.

A Superior Court judge has found that the city of Los Angeles violated public open records laws nearly two years ago by taking action on matters related to its homelessness response and failing to report it.

That decision could be a factor in an ongoing hearing in federal court where a different judge is considering whether to hold the city in contempt of court.

In a ruling last week, L.A. County Superior Court Judge Curtis A. Kin found that the city violated the Brown Act on two occasions in January and May 2024 when it took action in closed session on the following:

— approving an encampment reduction plan;

— approving a memorandum of understanding with the county for support on interim housing beds and other issues.

Afterward, the city did not report those approvals in open session.

The city argued its actions were allowed under the Brown Act because they stemmed from the ongoing settlement between the city and the L.A. Alliance for Human Rights, a group of business owners and residents who sued the city over its response to the homelessness crisis.

But Kin disagreed with that argument, saying what the city had done in closed session did not fall within the Brown Act exemptions because they were policy decisions, not litigation decisions concerning the L.A. Alliance settlement.

In federal court, U.S. District Judge David O. Carter has been overseeing the city’s compliance with the settlement. Carter has said he’s concerned “the city has demonstrated a continuous pattern of delay” in meeting its obligations.

Carter has been hearing testimony since November from city officials and others in an ongoing contempt-of-court hearing. This week, the judge said in court documents that he would consider Kin’s ruling as the contempt hearing proceeds.

The parties were last in federal court earlier this week. It’s not yet clear when that hearing will resume.

Sidewalk vendors can now apply to receive a free, health-code-compliant food vending cart through a new program launched in a partnership between the county and the city of Los Angeles.

Who can apply

To receive a cart, applicants must be at least 18 years old, live in LA County, be self-employed as a sidewalk vendor, and earn less than $75,000 annually from vending, according to a news release. Applicants must operate within unincorporated LA County or the city of LA, and commit to full compliance with public health and safety regulations.

You can find the application here.

Permits to secure

Vendors who are awarded carts will have to secure required permits in order to begin operating as fully permitted businesses. This includes obtaining the Compact Mobile Food Operation (CMFO) certificate from the LA County Department of Public Health and any Sidewalk Vending Registration Certifications or permits required to comply with the county and city sidewalk vending programs.

Applications will be selected by lottery, will be reviewed on a monthly basis, and will be prioritized based on “compliance readiness.” Priority will also be given to those who are based in the county’s “highest-need areas,” as according to the county equity explorer map.

Eligible applicants will be connected to partner organizations like Inclusive Action for the City to help navigate the permitting process and to provide business business support and language assistance.

What kind of carts?

Carts offered through the program include:

• Integrated grill carts for precooked meat for tacos, hot dogs, and hamburgers that are assembled on a cart
• Hot-holding carts for pre-portioned cooked tamales, corn, quesadillas, gyros, pupusas
• Cut fruit carts for fruits, bionicos, and acai bowls
• Cold-hold ice cream carts that store prepackaged ice cream items

Currently, the county and city have 50 hot-holding and 30 cold-holding carts for the first round of awards with 40 integrated grill carts underway.

More about the program

The launch of the Sidewalk Vending Cart Program – which invests $2.8 million in more than 280 carts – follows the passage of state legislation that decriminalized street vendors and that streamlined the permitting process.

“The program aims to help vendors meet new legal requirements, overcome financial barriers to formalization, and operate safely and legally in their communities,” according to the news release.

Los Angeles County Board Chair Hilda Solis said the program can help ensure a “permitted pathway” toward entrepreneurship.
“Many vendors are navigating increasingly difficult and uncertain times due to cruel federal immigration actions, and we know vendors play an essential role in the economic and cultural vitality of Los Angeles County,” Solis said in a statement. “This is more than a program — this is a chance to support small business growth, economic stability, and even generational wealth.”

The biggest mobile network in the United States, Verizon, experienced a huge outage on Wednesday, leaving at least tens of thousands of customers without cell service for much of the day.

An update on Verizon's website today said the outage had been resolved. "We are sorry for what you experienced and will continue to work hard day and night to provide the outstanding network and service that people expect from Verizon," it said.

What happened?

It's still unclear. Verizon has not posted details nor an explanation of the cause of the outage on its website. In an email to NPR, a company spokesperson wrote that the problem stemmed from "a software issue" and that Verizon is conducting a full review.And while Verizon hasn't released a figure for how many customers were affected, the staff at the Downdetector website — where users go to report service outages — posted on Facebook that they received 2.3 million outage reports for Verizon throughout the day. (That doesn't necessarily translate to 2.3 million affected customers.)

Cell networks experience small outages fairly regularly, though, and sizable ones are not uncommon. Verizon had a disruption across several major cities in September 2024, and competitor AT&T was hit by a large outage in February 2024, affecting more than 125 million registered devices and customers in all 50 states.

Sanjoy Paul, a wireless network expert at Rice University, says telecommunications systems have become more complex over the past decade and a half as they've moved from physical infrastructure — wires and cables — and into the cloud.

"What used to be a completely hardware-dependent network transformed into a complete software-dependent network," he said. That shift has given operators more flexibility to add services or tweak products but, he said, it has come at the expense of reliability.

With a cloud and software-based networks, there are more opportunities for glitches and attacks, he said. Small issues with computer code buried inside these systems can have big consequences.

What have been some consequences of the outage?

Users had no connectivity for much of the day and were only able to access "SOS" mode during the outage.

Verizon, which has styled itself as America's best and most reliable network, has been in damage control mode. The company has issued instructions for customers to restart their devices to reconnect to the network if they are still having problems. It also pledged $20 credits as "a way of acknowledging your time and showing that this matters to us," according to their website.

The Federal Communications Commission said in a statement it was "continuing to actively investigate and monitor the situation to determine next steps."

Could it happen again?

Yep — to Verizon or any of its competitors.

Since the cause of this latest outage remains unclear, it's too early to say whether or not this exact thing could happen again. But Lee McKnight, an associate professor in the School of Information Studies at Syracuse University, told NPR's Morning Edition outages are "a fact of life these days for major telecommunications firms."

"Modern telecom networks are cloud networks. 5G networks are mainly, like, hundreds of different cloud services," he said. "The telecom companies haven't yet adjusted their training to that reality, that their staff have to be expert not just in cell towers and wireless, like we think about, but about cloud services, like AWS, or Microsoft, or Google."

At the end of the day, experts say, consumers should consider having a "Plan B" for connectivity. That may mean a land line for your house or getting a second phone on a different cell network.
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