Taxonomy Distribution Report

Overview

• Total Concepts: 200
• Number of Taxonomies: 12
• Average Concepts per Taxonomy: 16.7

Distribution Summary

Category	TaxonomyID	Count	Percentage	Status
INV	INV	30	15.0%	✅
CRED	CRED	25	12.5%	✅
INS	INS	22	11.0%	✅
TAX	TAX	19	9.5%	✅
BANK	BANK	18	9.0%	✅
BUDG	BUDG	18	9.0%	✅
Foundation Concepts - Prerequisites	FOUND	17	8.5%	✅
LOAN	LOAN	16	8.0%	✅
SEC	SEC	12	6.0%	✅
EDU	EDU	9	4.5%	✅
CAR	CAR	7	3.5%	✅
RET	RET	7	3.5%	✅

Visual Distribution

INV    ███████  30 ( 15.0%)
CRED   ██████  25 ( 12.5%)
INS    █████  22 ( 11.0%)
TAX    ████  19 (  9.5%)
BANK   ████  18 (  9.0%)
BUDG   ████  18 (  9.0%)
FOUND  ████  17 (  8.5%)
LOAN   ████  16 (  8.0%)
SEC    ███  12 (  6.0%)
EDU    ██   9 (  4.5%)
CAR    █   7 (  3.5%)
RET    █   7 (  3.5%)

Balance Analysis

✅ No Over-Represented Categories

All categories are under the 30% threshold. Good balance!

Category Details

INV (INV)

Count: 30 concepts (15.0%)

Concepts:

• 1. Certificates of Deposit
• 1. Investment Fundamentals
• 1. Risk and Return
• 1. Risk Tolerance
• 1. Investment Time Horizon
• 1. Stock Market
• 1. Individual Stocks
• 1. Market Indices
• 1. Bonds
• 1. Fixed Income Securities
• 1. Treasury Bonds
• 1. Corporate Bonds
• 1. Municipal Bonds
• 1. Mutual Funds
• 1. Exchange-Traded Funds
• ...and 15 more

CRED (CRED)

Count: 25 concepts (12.5%)

Concepts:

• 1. Credit Score
• 1. FICO Score
• 1. VantageScore
• 1. Credit Report
• 1. Credit Bureaus
• 1. Building Credit History
• 1. Credit Utilization Ratio
• 1. Payment History
• 1. Length of Credit History
• 1. Credit Mix
• 1. New Credit Inquiries
• 1. Credit Cards
• 1. Credit Card APR
• 1. Credit Card Rewards
• 1. Responsible Credit Card Use
• ...and 10 more

INS (INS)

Count: 22 concepts (11.0%)

Concepts:

• 1. Insurance Principles
• 1. Insurance Premium
• 1. Insurance Deductible
• 1. Co-payment
• 1. Out-of-Pocket Maximum
• 1. Health Insurance
• 1. HMO Plans
• 1. PPO Plans
• 1. HDHP Plans
• 1. Health Savings Account
• 1. Auto Insurance
• 1. Liability Coverage
• 1. Collision Coverage
• 1. Comprehensive Coverage
• 1. Renter's Insurance
• ...and 7 more

TAX (TAX)

Count: 19 concepts (9.5%)

Concepts:

• 1. Gross Income
• 1. Net Income
• 1. Paycheck Withholding
• 1. W-4 Form
• 1. W-2 Form
• 1. Federal Income Tax
• 1. State Income Tax
• 1. FICA Taxes
• 1. Tax Filing
• 1. Form 1040
• 1. Standard Deduction
• 1. Itemized Deductions
• 1. Tax Credits
• 1. Tax Deductions
• 1. Marginal Tax Rate
• ...and 4 more

BANK (BANK)

Count: 18 concepts (9.0%)

Concepts:

• 1. Commercial Banks
• 1. Credit Unions
• 1. Online Banking Services
• 1. Checking Accounts
• 1. Savings Accounts
• 1. High-Yield Savings Accounts
• 1. Account Fees
• 1. Account Features Comparison
• 1. Mobile Banking Apps
• 1. ATM Usage
• 1. Debit Cards
• 1. Account Reconciliation
• 1. Electronic Payments
• 1. ACH Transfers
• 1. Wire Transfers
• ...and 3 more

BUDG (BUDG)

Count: 18 concepts (9.0%)

Concepts:

• 1. Personal Budgeting
• 1. 50/30/20 Rule
• 1. Zero-Based Budgeting
• 1. Envelope Method
• 1. Income Tracking
• 1. Expense Categorization
• 1. Fixed Expenses
• 1. Variable Expenses
• 1. Needs vs Wants Analysis
• 1. Emergency Fund
• 1. Three-Month Emergency Fund
• 1. Six-Month Emergency Fund
• 1. Automatic Savings
• 1. Pay Yourself First
• 1. Financial Records Organization
• ...and 3 more

Foundation Concepts - Prerequisites (FOUND)

Count: 17 concepts (8.5%)

Concepts:

• 1. Money Management Principles
• 1. Financial Goal Setting
• 1. SMART Goals Framework
• 1. Economic Literacy
• 1. Financial Decision Making
• 1. Opportunity Cost
• 1. Trade-offs
• 1. Time Value of Money
• 1. Net Worth Calculation
• 1. Net Worth Tracking
• 1. Assets and Liabilities
• 1. Personal Balance Sheet
• 1. Income Statement
• 1. Cash Flow Management
• 1. Financial Independence
• ...and 2 more

LOAN (LOAN)

Count: 16 concepts (8.0%)

Concepts:

• 1. Auto Loans
• 1. Loan Interest Rates
• 1. Loan Term Length
• 1. New vs Used Vehicles
• 1. Vehicle Depreciation
• 1. Total Cost of Ownership
• 1. Renting vs Buying
• 1. Mortgage
• 1. Fixed-Rate Mortgage
• 1. Adjustable-Rate Mortgage
• 1. FHA Loans
• 1. Conventional Loans
• 1. Down Payment
• 1. Closing Costs
• 1. Comparison Shopping
• ...and 1 more

SEC (SEC)

Count: 12 concepts (6.0%)

Concepts:

• 1. Identity Theft
• 1. Identity Theft Prevention
• 1. Credit Monitoring
• 1. Password Security
• 1. Two-Factor Authentication
• 1. Phishing Scams
• 1. Ponzi Schemes
• 1. Pyramid Schemes
• 1. Consumer Rights
• 1. CFPB Protection
• 1. Dispute Resolution
• 1. Credit Freeze

EDU (EDU)

Count: 9 concepts (4.5%)

Concepts:

• 1. College Cost Estimation
• 1. Net Price Calculator
• 1. Scholarships
• 1. Grants
• 1. FAFSA
• 1. Federal Student Loans
• 1. Private Student Loans
• 1. College ROI
• 1. Alternative Education Paths

CAR (CAR)

Count: 7 concepts (3.5%)

Concepts:

• 1. Career Exploration
• 1. Income Potential Research
• 1. Employee Benefits
• 1. Total Compensation Package
• 1. Side Hustles
• 1. Salary Negotiation
• 1. Professional Development

RET (RET)

Count: 7 concepts (3.5%)

Concepts:

• 1. 401(k) Plan
• 1. Traditional IRA
• 1. Roth IRA
• 1. Employer Matching
• 1. Social Security Benefits
• 1. Retirement Savings Target
• 1. Estate Planning Basics

Recommendations

• ✅ Excellent balance: Categories are evenly distributed (spread: 11.5%)
• ✅ MISC category minimal: Good categorization specificity

Educational Use Recommendations

• Use taxonomy categories for color-coding in graph visualizations
• Design curriculum modules based on taxonomy groupings
• Create filtered views for focused learning paths
• Use categories for assessment organization
• Enable navigation by topic area in interactive tools

---

Report generated by learning-graph-reports/taxonomy_distribution.py