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Resources and Downloads for Financial Literacy

Explore resources and downloads for educators seeking to help students learn financial concepts, practice money management, and build strong financial decision-making and economic-reasoning skills.

• What Is Financial Literacy? : Learn what it takes to become financially literate, why this set of knowledge and skills is so critical, and what this means for schools. (Edutopia, 2015)
• The Value of Financial Literacy : Take a look at this infographic for more information about what the research tell us about teaching finance to students. (Edutopia, 2012)
• Entrepreneurship Education Stresses Learning by Doing : Discover how entrepreneurship education can engage students’ critical thinking skills and deepen their financial literacy. You may also want to check out some of Edutopia’s resources and downloads related to entrepreneurship education . (Edutopia, 2011)
• Survey of the States : Explore takeaways of a biennial survey conducted by the Council for Economic Education that looks at the state of K–12 economic and financial education in the United States; an interactive companion to the survey dissects the costs of financial illiteracy and benefits and challenges of implementing financial and economic education. (Council for Economic Education)
• Why Teaching Financial Literacy Matters : Listen to a podcast from Vicki Davis’s Every Classroom Matters to learn why financial literacy is so important, and hear teacher Beth Werker describe a program called Enterprise City. (BAM Radio Network, 2014)

Discover Lessons, Simulations, Videos, and Apps

• 40-Plus Resources for National Financial Capability Month : Find resources for students of all ages in this compilation of games, lessons, hooks, apps, and more. (SmartBlog on Education, 2013)
• How to Promote Financial Literacy With Students : Discover video collections, online games, and structured curricula to help advance your teaching and learning goals. (KQED’s MindShift, 2013)
• Money as You Grow : Review 20 age-appropriate financial literacy lessons and activities for students in grades K-12. The companion website Money as You Learn includes tools for educators to integrate personal finance into teaching aligned with the Common Core State Standards.
• Online Economic Lessons : Browse or search a database with hundreds of free personal-finance lessons for grades K-12. (EconEdLink)
• National Standards in K–12 Personal Finance Education : View or download standards related to personal finance education across all grades K–12. (Jump$tart Coalition for Personal Finance Literacy)
• #FinEdChat and #FinancialLiteracy : Follow these hashtags on Twitter to keep up to date on the latest trends and resources for financial-literacy education.

Explore Activities for Grades K–8

• Creativity, Candy, and Commerce : Discover how middle school students brought curiosity and passion to learning through the design, manufacture, and marketing of their own signature chocolate bars. (Edutopia, 2015)
• Make the Money “Real” : Read about a counting-change simulation that gives students experience handling money in the lead-up to handling real transactions. (Edutopia, 2015)
• Teaching Toward an Affordable Future : Learn about a program that helps elementary school students learn about personal finance while saving money every week. (Edutopia, 2015)
• Elementary Financial Literacy: Lesson Ideas and Resources : Discover how financial literacy can be integrated into elementary English and mathematics, and find a few resources to get started. “ Financial Literacy for Elementary Students ” is another great list of resources. (Edutopia, 2014)
• Teaching Financial Literacy to Middle Schoolers : Explore strategies for integrating financial literacy into middle school curricula and age-appropriate resource suggestions. “ Financial Literacy for Middle School Students ” is another good source of guidance, information, and resources. (Edutopia, 2014)

Explore Activities for Grades 9–12

• Addressing Student, Family, and Community Needs : Find out how one school uses a personal finance class to impart lessons about fiscal responsibility and financial literacy to teens and connect this knowledge to their lives. (Edutopia, 2015)
• When Financial Education Hits Close to Home : Read about the Home Ownership project, a real-world project that helped students at Maplewood High School in Nashville, Tennessee, learn about homeownership and the power of personal finance. (Edutopia, 2015)
• 5-Minute Film Festival: We the Economy : Watch and share 20 short films that explain concepts like debt, money, and supply and demand. (Edutopia, 2015)
• Financial Literacy in High School: Necessary and Relevant : Learn how to make financial literacy relevant to students’ lives, and find resources for teaching financial literacy skills to high school students. For more guidance, information, and resources, also see “ Financial Literacy for High School Students. ” (Edutopia, 2014)
• 3 Ways to Enagage High Schoolers in Personal Finance : Discover a few technology-based ways to engage high schoolers in discussions about personal finance. (U.S. News and World Report, 2014)
• A Mobile App Lesson on Financial Capability : Check out a lesson on financial capability that makes use of mobile apps, courtesy of Brian Page, a high school personal finance and AP economics teacher. (Edutopia, 2013)
• Games to Teach Financial Literacy : Explore some friendly, engaging options to promote financial literacy among secondary students. (Edutopia, 2013)

Downloads and Examples From Schools That Work

Edutopia's flagship series highlights practices and case studies from K–12 schools and districts that are improving the way students learn. Below, find downloads used by practitioners at featured schools, and dive into real-world examples of teaching and learning financial literacy.

Piggy-Bank Friday: Life Skills Through Financial Literacy : Through the Piggy-Bank Friday program, K–5 students at Walter Bracken STEAM Academy in Las Vegas, Nevada, have saved over $30,000 in one year. Watch the video, read about their practice, and take a look at this featured download:

• School "Piggy-Bank" Deposit Slip : Print out these example deposit slips for your school's Piggy-Bank program.

Financial Literacy Makes School Relevant : The Ariel Community Academy, a public K–8 school on the South Side of Chicago, has been achieving remarkable success thanks to a number of effective strategies, particularly a financial-literacy program. Watch a video , and learn about the components of their K–8 curriculum to see how they do it. Then explore some of this school’s resources and downloads ; a few highlights from their Goods and Services Unit , organized according to Bloom’s Taxonomy , are linked below.

• Remembering : Review a lesson suggested for fourth grade that asks students to define and give examples of goods as objects that satisfy people's wants and services.
• Understanding : Review a lesson suggested for fifth grade that asks students to explain that economic wants are desires that can be satisfied by consuming a good or service or leisure activity and why not all wants can be satisfied.
• Applying : Review a lesson suggested for sixth grade that asks students to diagram the relationship among a final good or service, the way it’s produced, and who consumes and produces it.
• Analyzing : Review a lesson suggested for seventh grade that asks students to compare different ways resources are used to buy and consume goods and services.
• Creating : Review a lesson suggested for eighth grade that asks students to explain scarcity and how not all wants for goods and services can be satisfied.

14 Free Financial Literacy Worksheets PDF (Middle & High School)

By: Author Amanda L. Grossman

Posted on Last updated: May 8, 2024

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Check out these free financial literacy worksheet PDFs for middle school and high school students to learn all about money.

We all know that getting money into kids’ and teens’ hands so that they can learn how to use it through trial and error works.

I mean, that’s how many of us learned how to manage our money, right?

But prepping kids and teens with financial literacy worksheets PDFs and games is a great addition to their financial education.

It’s sort of like having a teen first study and then pass a written permit exam before they’re allowed to drive a car.

Practice and prep make sense.

Use these financial literacy middle school worksheets pdf and high school financial literacy worksheets below.

Hint: you also might want to check out these fun money activities for middle school students .

What Financial Literacy Subjects Are We Talking About?

It’s helpful to know what’s included in a subject so that you can cover all of your bases (or know that what you need covered, will be).

The financial literacy worksheets and PDFs below are going to fall into the following topics:

• Saving Money & Setting Money Goals
• Loans and Credit
• Earning Money

Let’s dive in.

Psst: You also might want to have your students journal about how they feel about money with these journal topics for kids – it helps them figure out how they feel/what they think about money, and it can help you to understand what they do/do not know about the subject.

Financial Literacy Worksheets PDF – Banking

Banking is super important in any adult’s life, which is why I created an entire article around free banking worksheets (PDFs) for kids and teens to learn banking skills.

You know, things like:

• How to write a check
• How to make a deposit
• How to shop around for the best banking services
• Differences between a bank and a credit union

But, I want to share one here, too.

1. HSFPP’s Lessons on Banking

Suggested Age: High School

Check out their lessons on Checking Accounts (lesson 5-1), and Financial Tools & Technology (lesson 5-2).

Students will learn:

• Different ways to pay for things, besides cash (and why you would want to choose another form)
• Banking apps
• Benefits of using a check (such as, for proof of purchase)
• Checking account monitoring

Next up? Let’s talk budgets.

Financial Literacy Worksheets PDF – Budgeting

Budgeting is one of the most critically important financial literacy subjects to cover before a student gets their hands on a real paycheck from a real job.

That’s why I’m dedicating this next section to free financial literacy printables all about budgeting.

Psst: here are 6 budget projects for middle school students , a free prom budget template , and 4 budgeting projects for high school students .

1. How to Be a Smart Consumer

Suggested Age: 4-6 grade

Check out this video, lesson plan, and student worksheets around helping kids understand how to be smart consumers.

For example, kids will be asked:

• Whether or not it’s best to buy something now or later, given a scenario
• To design an advertisement for a brand of sneaker
• How to calculate discounted items (based on a percentage off)

2. CFPB’s Budgeting for a Rural Trip

Suggested Age: 13-19 years

Students are given a budget of $500 and the task of budgeting for an overnight trip, 100 miles away.

They’re asked to fill in things like Breakfast for each day, lunch for each day, activities and events planned for each day, etc.

Teacher guide available for free.

Psst: you might want to reinforce needs vs. wants with these worksheets, activities, and games .

3. Dallas Fed’s Owning Vs. Renting

Suggested Age: Not given

What a great financial lesson to teach students: the costs of renting vs. the costs of owning a home.

Students will learn about:

• Landlord and tenant relationship
• Rental agreements
• Effects of owning on your net worth
• Responsibilities and risks of being a homeowner vs. renter

Worksheets include:

• Lease Agreement
• Examples of Housing Discrimination

4. Practical Money Skill’s Living On Your Own

Suggested Age: 7-8 grade

In Lesson 4, you’ll find worksheets that guide students through listing the things they have in their bedrooms and estimating the cost of these items.

Then, they need to budget for their first time living on their own.

They’ll also be guided on lease agreements, and how to find an apartment!

5. Can I Afford a Phone?

I love how this activity takes budgeting for an item down to a kid’s world – through working on whether or not they can afford a smartphone.

They’ll be given a scenario from another teen who is trying to convince her parents they can afford one. Based on the information given, teens will calculate if it’s more cost-effective to pay for a phone upfront, or on a monthly basis from the phone service provider.

Students will also create a budget both using an online budget form and a paper one.

Psst: here are 12 fun budgeting activities PDFs , all free , and some consumer math worksheets .

Financial Literacy Worksheets PDF – Saving Money & Setting Goals

Here you’ll find some great free PDFs all about helping kids to understand how to save money and how to set money saving goals.

1. FDIC’s Money Smart Worksheets

Suggested Age: 3-5 grade and 6-8 grade

This is an entire money curriculum from the FDIC (the people who insure our savings accounts), for various grade ranges.

The worksheets on saving money and setting goals include:

• Lesson 6: Super Savers (the Importance of Saving)
• Lesson 7: How to Stash Your Cash (Savings Options)
• Lesson 12: Spend, Save, or Give? Personal Financial Choices

Complete with educator and parent handbooks to download for free.

2. CFPB’s Impulse Spending Worksheet

Suggested Age: 16-19 years

Here’s a worksheet that corresponds with an online free financial literacy game, Misadventures in Money Management.

Students will play this game first, then answer questions about the character’s impulse spending decisions. They’ll then learn some strategies for beating their own impulse spending, well, impulses .

Pssst: looking for more online financial games for students? Here’s my article on 19 free financial literacy games for high school students .

Next up are entire workbooks around financial literacy subjects (instead of just a one-off worksheet or two).

Financial Literacy Worksheets PDF – Earning Money

Earning money is a major part of financial literacy…because without money, you’ve really got nothing to manage!

This section will focus on free financial literacy worksheets and PDFs on understanding paychecks and other forms of earning income besides a 9-5 job.

1. Understanding Your Paychecks

Suggested Age: High school

One of the worksheets in this free workbook that you can download individually is about reading a paycheck and understanding what everything means. Students will then answer some questions about what the paycheck says.

2. It’s a Job Getting a Job

You don’t just walk out of high school or college and stumble into your first (or next) job. There’s a process to getting a teen's first job .

These videos, teacher guide, and worksheets have teens thinking about:

• How to interview well
• How to best search for a job
• How economic conditions can affect the job search market

3. Fixed Vs. Variable Income

Suggested Age: 17-25 years

Something they definitely didn’t teach in my high school (that I really wish they had)? Is understanding the difference between different types of income.

Check out this mini-lesson plan and printable on fixed vs. variable vs. irregular income to educate them better about future earning possibilities.

4. Dividend-Paying Stocks

Personally, I think it’s super important to teach students that there are ways to earn money outside of your job.

And buying into dividend-paying stocks? Is one of those ways.

Pssst: I didn’t learn about these until well into my 20s…imagine where your students could be if they learn about this in their teens!

• Vocabulary behind dividend stocks (always helps to demystify a subject when you know what the phrases and lingo mean!)
• How to calculate your yield and return on investment
• Risk vs. reward discussion
• How to buy a stock

For more worksheets about careers and jobs, check out the 19 free career exploration activities for high school students .

Financial Literacy Workbook PDFs

Looking for an entire, printable financial literacy workbook (PDF)? You’re in the right place!

These are all free for you to print out and use with your students.

1. HSFFP Using Credit Workbook

In this 44-page financial literacy workbook PDF (there are also worksheets and slides), students will learn:

• Quiz to see if you’re a responsible borrower or not (yet)
• Why someone would want to borrow money
• Calculating interest on loans
• Average credit card payments each month
• How long it’ll take to pay off something on credit versus buying in cash

While actually getting money into a kid's or teen’s hands is the most ideal way to teach kids and teens about money, prepping them through worksheets and games is a great way to supplement a financial education.

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Personal Finance

Financial literacy.

From how they learn to what they want to learn about, everyone has a different relationship with money. Use this guide to become an educated investor in the ever-evolving financial markets.

Investopedia / Alison Czinkota 

Letter from The Editor

April is National Financial Literacy Month, but it’s our mission here at Investopedia every month. We’re grateful to reach more than 20 million monthly readers from around the world who visit our site, social media channels, newsletters, and podcasts to learn about finance and investing. 

However, millions of people still need financial literacy and guidance, but don’t have easy access to it online, in schools, or in their communities. It’s our goal to reach them. 

Finance and investing are also changing rapidly, thanks to the adoption of cryptocurrencies, decentralized finance, commission-free trading, and alternative forms of investing. These changes are creating pathways for people at nearly every income level to participate and grow their wealth, if they know how to utilize these tools. While technology has helped open doors, more education about these new platforms and assets is required—and that’s what Investopedia does best.

To help increase financial literacy for all, we’re committed to extending our reach and resources to underserved communities who have traditionally been closed out of the financial services and information industries. In the financial literacy section on Investopedia, you’ll find resources to help you become an engaged and educated investor in the ever-evolving financial markets. And in our brand new Financial Literacy Resource Center dedicated to teachers and their students, you’ll also find resources to share with people in your community to help support their financial journeys. 

We wish you all a Happy Financial Literacy Month, year—and future.

How To Start Investing

Behind the statistics.

The amount you need to retire will vary depending on such factors as the income you have now, your age, the age you hope to retire at, and the lifestyle you want in retirement. Most experts recommend your retirement income to be about 80% of your final, pre-retirement annual income. This is a good jumping off point but the amount you save will vary based on your circumstances.

To start investing in cryptocurrency, you first need to open an account with the brokerage firm or cryptocurrency exchange of your choosing. Then, fund your account with a currency like U.S. dollars. Once you decide which cryptocurrency you wish to buy, you can follow the steps required by the exchange to place a buy order. Once the purchase is made, you must store your crypto in a digital wallet.

Non-fungible tokens (NFTs) are unique digital assets that can represent tangible and intangible goods, such as a piece of art, a song, or even a Tweet. Each NFT is individually recorded and authenticated through a public blockchain , much like a cryptocurrency transaction. This enables it to be bought, sold, or traded. Unlike crypto, NFTs are distinctive, one-of-a-kind goods.

To invest in an NFT, you can browse major NFT marketplaces, such as OpenSea, and pick the NFT you want to buy. Next, establish a cryptocurrency wallet and fund it with fiat money . Once your wallet is connected to the marketplace, you can purchase an NFT. The accepted currency for buying an NFT is typically the cryptocurrency corresponding to the blockchain (like Ethereum) that supports the NFT.

There are many layers of security for digital wallet transactions, as they use encryption, tokenization, and authentication to protect your information on your smartphone or computer. While safe, it’s important to take extra precautions when using a digital wallet. This can include enabling a passcode, knowing the merchant you’re purchasing from, or installing facial recognition on your phone.

The capital gains tax is a fee you pay on profit made from selling certain types of assets, like stock or bonds . A capital gain is the total sale price of an asset minus the original amount you bought it for, and there are two types: short-term and long-term. Short-term capital gains occur when you've owned an asset for one year or less and are taxed at a higher rate than long-term capital gains.

A refers to a loan used to purchase or maintain a home, land, or other types of real estate. With this type of loan, a borrower agrees to pay the lender over time, typically in a series of payments that are divided into principal and interest. The property serves as collateral to secure the loan.

An annual percentage rate, or APR, is the yearly rate charged for a loan or earned by an investment. It is expressed as a percentage that represents the actual yearly cost of funds over the term of a loan or income earned on an investment. Lenders must disclose the APR they charge to borrowers.

An emergency fund acts as a financial safety net that you use in times of financial hardship. Often stored in a savings account , the funds are used to meet unanticipated expenses, such as an illness or major home repairs. The amount of money within your emergency fund depends on several factors, including your financial situation, expenses, lifestyle, and debts.

An exchange-traded fund (ETF) is a type of investment that is a basket of securities traded on an exchange, much like how a stock is traded. Because there are multiple assets within a single ETF, they are often a popular choice for diversification within one’s portfolio. Unlike mutual funds which only trade once a day once the market closes, ETF share prices fluctuate all day as the ETF is bought and sold.

An index fund is a type of mutual fund or exchange-traded fund that aims to mimic the composition and performance of a market index, such as the S&P 500 . Generally, index funds have lower expenses and fees than actively managed funds. Most experts agree that index funds are considered ideal core portfolio holdings for retirement accounts, like 401(k) accounts or IRAs.

Finance can be broadly defined as the management, creation, and study of money and investments. It is often split into three categories: public, corporate, and personal finance. Personal finance specifically focuses on all financial decisions of an individual or household, including saving, financial planning, budgeting, and retirement planning.

Debt is something—usually money—that a person, organization, or government owes to another person, organization, or government. Generally, the person who borrows the money must pay back the given amount with interest by a specific, agreed-upon time. The most common forms of debt are loans, such as mortgages , auto loans, personal loans, and credit card debt.

Credit is an agreement you make with a lender that enables you to pay for goods or services. In return for the good or service, you agree to pay the lender back, usually with interest, but specific terms will vary depending on the borrower and the lender. Common forms of credit include credit cards , student loans, and mortgages.

The price-to-earnings (P/E) ratio relates a company's share price to its earnings per share. It’s a way for investors and analysts to gauge whether the stock price of a company is high or low compared to its past performance or other companies. The ratio is calculated by dividing the current stock price by the current earnings per share.

Amortization is used in two different ways. First, it can be used when paying off debt. Many borrowers can be put on an amortization schedule where they will pay off a loan with regular payments so that the amount they owe goes down with each payment. Amortization can also refer to the practice of spreading out capital expenses related to intangible assets over a specific duration—usually over the asset’s useful life—for accounting and tax purposes.

A small saver certificate (SSC) is a deposit savings account that has a small minimum requirement balance, or sometimes, no minimum balance requirement at all. The most common investors in SSCs are children or young adults. SSCs are not that common or popular, as investors usually choose to invest in certificates of deposit (CDs) , a similar financial instrument.

Student debt is money owed on a loan by an attending, formerly withdrawn, or graduated student of higher education. Due to the rapidly increasing prices of higher education in the United States, student debt is a popular (and sometimes the only) option for many students to pay for college.

Financial literacy is the capacity, based on knowledge, skills, and access, to manage financial resources and information effectively. It includes the ability to effectively use and understand basic financial skills like budgeting , and investing. Financial literacy is seen as the foundation of one’s relationship with money.

A guardian IRA is a custodial IRA, meaning it is held in the name of a legal guardian or parent on behalf of their child or minor who is under the age of 18 or 21 (depending on the state). It can also be held on behalf of someone who is incapable of handling their finances due to a physical or mental disability. Once the minor turns 18 or 21, depending on the state, they will gain control over their account.

Personal Finance Basics

One of the best ways to start saving money is by setting a savings goal—whether it be short- or long-term—and paying yourself first. Paying yourself first just means that, before each pay period from work, commit to putting some funds in a savings account . Automating these savings is a great way to ensure a certain amount of money is put toward your financial goals regularly. 

There is no set amount of time it can take to improve a credit score. Your credit report is updated automatically when lenders share new account information to the nationwide credit bureaus . This can happen once a month or every 45 days, but it will depend on the lender. You’re most likely to see a score improvement if you pay your bills on time, pay down any outstanding balances, and avoid debt.

The Social Security Administration (SSA) estimates that combined asset reserves of the OASI and DI Trust Funds will be exhausted in 2034. At that time (if nothing changes), the continuing tax income will be able to pay only 78% of the scheduled benefits . To prevent this from happening, the government may raise the full retirement age, increase payroll tax rates, or adopt new tax reforms.

To pay off debt in collections, confirm the debt is yours, check local statute of limitations, and know your rights. Decide how much you can afford to pay and set up a payment plan . Document everything. Paying a collection removes the debt, takes away certain tax liabilities, and updates your credit report. Note, according to FICO, there’s no guarantee that your credit score will improve.

Many county and state governments, including New York City, offer financial services like free, one-on-one guidance from professionals. Other organizations you can turn to include the Financial Planning Association , the National Foundation for Credit Counseling, and The Foundation for Financial Planning; however, qualifications may vary depending on the guidance you are looking for.

Explore Financial Literacy

Fidelity. “ How much will you spend in retirement? ”

TransUnion. “ How Long Does it Take for a Credit Report to Update? ”

Social Security Administration. “ Press Release | Press Office: Social Security Board of Trustees: Combined Trust Funds Projected Depletion One Year Sooner Than Last Year .”

myFICO. “ How Do Collections Affect Your Credit? .”

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30+ Financial Literacy Lesson Plans for Every Grade Level

Great practical ideas and activities to teach kids about money.

The Hands on Banking® courses are a great way for elementary, middle, and high school students to explore and practice money skills. Start learning today.

Teaching financial literacy is certainly not a new idea, but knowing about personal finances has become an increasingly important set of skills. The good news is that Hands on Banking  has over 30 free financial literacy lesson plans available, ranging in grade level from elementary to high school. The lessons are already done for you and easy to implement, so you can integrate teaching financial literacy right away. From getting students engaged and talking to showing how math is used in daily life, we’ve got you covered with these free resources. Here are our favorite nine, and the link to the rest of the lesson plans is at the bottom!

How to use real-world math

1. meet the coins lesson plan.

Looking for a multi-sensory way to introduce coins? Lower elementary students identify and make rubbings of different coins. The prompts to observe coins, both their physical properties and values, are a good jumping-off point for more discussion.

2. The Basics of Taxes

Middle schoolers may talk big about money, but do they know how to calculate how much they’ll earn after taxes ? In this lesson,   students help Terry, who works 35 hours a week at an hourly rate of $7.25 before taxes, figure out what he’ll take home after paying into Social Security (6.2 percent) and Medicare (1.45 percent).

Let’s have meaningful conversations about financial literacy

3. learning to be a smart shopper.

In this lesson, lower elementary students compare the prices of similar items at two different stores. And, of course, there are deals if you buy more than one! This particular lesson lends itself to breaking up the questions over a few days as a quick, engaging activity to start your day or math lesson.

4. Make the Most of Your Money

If you loved Learning to Be a Smart Shopper , but you teach older students, this lesson digs deeper into comparison shopping and budgeting.

5. Evaluating Charities

Middle schoolers and high schoolers are passionate about charitable giving, but how do they decide where to give? In this lesson, students can look at a simplified chart of how two charities spend their annual budgets. Get students talking by asking students which of the two charities they would give to and why.

6. Navigating the World of Virtual Currency

Have you ever had a student ask about Bitcoin or Cryptocurrency? This lesson will be a great discussion starter for your class. It’s written for high school students but adaptable for younger grades. I particularly like the True/False activity that is sure to do some myth-busting in your classroom.

How to Integrate lessons if you aren’t a math teacher

7. spending, saving, and giving back.

If your class is thinking of undertaking a service project, use this lesson plan to introduce upper elementary students to the concept of charitable giving. Explore fundraising and donating time with a real-world example of giving to a local animal shelter.

8. Hands on Banking Elementary Toolkit

Literacy teachers can make the theme of needs vs. wants come to life with “Understanding Needs and Wants” in this lesson. Introduce the concepts by sorting lists of items. You might include iPhones, food, hugs, and rain. Put the items into the categories of needs or wants. This lesson is designed for students to move to different sides of the room. For online classes, have students respond in the chat or in a poll.

9. Including Charity Donations in Your Budget

Students might already be aware of charitable giving. However, they might not know how to research an organization’s mission statement and reputation. Middle schoolers can combine research skills with budgeting know-how with this lesson.

For 21+ more lessons that help you bring financial literacy learning to your students, head over to Hands on Banking for educators . You’ll find sections for elementary school, middle school, and high school!

Looking for even more ideas check out how to help families talk about money with their children ., you might also like.

Financial Literacy for Kids: Lessons, Activities, and Teaching Tips

Everyone needs to learn to manage their money. Continue Reading

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Financial literacy worksheets, financial literacy worksheets for prek-kindergarten, financial literacy worksheets for 1 st -3 rd grade, financial literacy worksheets for 4 th -5 th grade, financial literacy worksheets for 6 th -8 th grade, financial literacy worksheets for 9 th -12 th grade, about the author, peter brown.

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K-12 FINANCIAL EDUCATION

Financial Literacy & Financial Education for K-12 Students

Prepare students for their financial future.

Financial education is more than dollars and cents. It’s about establishing better spending habits, instilling confidence, and equipping the next generation with the real-world skills to manage financial goals and milestones.

EVERFI’s online financial education curriculum, training, and support are completely free to K-12 educators.

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Financial Education for High School Students

According to Forbes, 87% of teens say they don't really understand their personal finances (2022). The need for financial literacy programs is undeniable. As of January 2024, twenty-five U.S. states require financial education for high school students to graduate; many more have bills pending.

Financial Literacy for High School Students | Free Course

Description.

EVERFI's free high school financial literacy course equips students with tools to manage their personal finances in the real world, from applying for financial aid to establishing credit and investing. Available in Spanish.

Grade Levels

9th, 10th, 11th, 12th

Tax Simulation: Understanding Taxes

This financial education course, sponsored by Intuit for Education, helps students develop healthy financial habits and build confidence about handling their taxes. Through a high-fidelity experience of navigating tax preparation software, students are introduced to important and relevant tax considerations. To enhance the learning experience, several videos are going to be featured in the course this summer covering topics like summarizing a 1099 form and calculating tax requirements.

Marketplaces – High School Investment Education

In Marketplaces, students learn basic investment concepts that are needed to intelligently and confidently participate in the financial markets.

Accounting Careers: Limitless Opportunities

Accounting Careers is a digital course that shows learners how an accounting background can help them achieve their career goals.

Data Science for High School Students | Free Online Courses

Data Science Foundations is designed to empower students with knowledge about the fundamentals of data science, its currency in the job market, and its applicability to everyday life. Available in Spanish.

Minding Your Money: Skills for Life

Minding Your Money: Skills for Life is a free digital financial education course that teaches students about different financial stages in life, how money and mental health are intertwined, and how money can affect interpersonal relationships.

Econ Foundations: Economics for High School

This new financial education course brings macroeconomic concepts to life for students through interactive, real-world scenarios. Students explore how the economy impacts individuals and businesses, evaluate the health of the economy using economic indicators, analyze how the government and Central Bank use economic policy to regulate the business cycle, and predict how individuals and businesses will behave in a growing or declining economy.

Build: Credit Fundamentals

Build: Credit Fundamentals teaches students the fundamentals of maintaining and managing a healthy credit score. Available in Spanish.

Modern Money: Safe Digital Banking

This financial education course provides students with the knowledge and skills to make wise decisions that promote financial wellbeing. Through interactive real-world scenarios, students learn strategies to manage their finances, how to safely and responsibly use banking tools, and methods to recognize and avoid scams and fraud. The course is designed to create more confident, financially savvy high schoolers that are prepared for adulthood.

EVERFI Pathways: Financing Higher Education

Pathways develops informed consumers, preparing students to make wise financial decisions when considering how to best finance their higher education and pay for college. Students learn about topics like financial aid, applying for FAFSA, student loans, and budgeting for responsible loan repayment. Available in Spanish.

Crypto Foundations

Crypto Foundations is a digital program that teaches high school students what cryptocurrency is, how it's created on the blockchain and the risks and benefits of holding cryptocurrencies as an investment.

Grow: Financial Planning for Life

Grow: Financial Planning for Life is a digital program that helps teach students how to make wise financial decisions to promote financial well-being over their lifetime. Available in Spanish.

Youth Entrepreneurship Curriculum | Free Online Course

Students start their own food truck business, and learn to write a business plan, hire a team, hone their pitch, and balance a budget in the process.

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Financial Education for Middle School Students

Financial literacy lessons for middle school students | futuresmart.

In FutureSmart, middle school students act as mayor of their town, helping citizens solve the financial problems life throws their way. Available in Spanish.

6th, 7th, 8th

SmartEconomics: Economics for Middle School

SmartEconomics is a digital course that empowers middle school students to analyze the economy and identify factors that impact the price of consumer goods. Available in Spanish.

SaveUp: Saving Money for the Future

In SaveUp, middle school students develop strategies for budgeting, emergency planning, saving and setting smart financial goals. Available in Spanish.

Financial Literacy for Elementary Students | Vault

Students dive into a virtual world to learn the basic ins-and-outs of finances. Can you help a friend from space learn the difference between needs and wants? Available in Spanish and French.

4th, 5th, 6th

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EVERFI's K-12 Financial Literacy Resources Are Available at No Cost to Teachers, Schools, & Districts.

Financial Education for Elementary School Students

Financial literacy is more than being able to add dollars and cents., financial literacy education faq, does financial literacy education work.

Research from the Consumer Financial Protection Bureau found that financial skill and financial self-efficacy are strongly associated with financial behavior, and so are key steps on the path to financial well-being. In this context, financial skill is knowing how to find, process, and take action based on information and self-efficacy is confidence in one’s ability to reach financial goals.

How to Get Financial Literacy Education in Schools?

EVERFI works with partners to secure funding so that all of our digital financial literacy resources, training, and support are completely free to teachers, districts, and families.

What is the Difference Between Financial Literacy Education and Financial Literacy?

Financial literacy and education are very similar and work together – while financial education means that people can understand complex financial concepts, financial literacy supports them to put these concepts into action.

What is Financial Literacy?

Understanding and being proficient in the use of different financial skills, such as investing, budgeting, and personal financial management, is known as financial literacy. The cornerstone of your relationship with money is laid out by financial literacy, which is a lifetime learning process. The earlier you begin, the better off you will be as education is the secret to financial success.

What is the Difference Between Financial Literacy And Financial Education?

Why financial education is important for students.

Prior to taking part in financial education, less than a third of high school juniors and seniors

reported that they felt prepared to compare financial institutions and select one that best meets

their needs (32%). Slightly more students -- but still less than half (47%) -- felt they could select,

open, and manage a savings or checking account.

What are the 5 Principles of Financial Literacy?

In general, there are 5 main principles of financial literacy:

• Save and invest

Are Bank Accounts Required to Learn Financial Education for Students?

No, our digital lessons help students learn more about financial education without a bank account.

How our financial literacy programs helps students.

Our financial literacy programs are designed to equip students with the knowledge and skills necessary to make informed and effective decisions with their financial resources. They introduce students to key concepts such as budgeting, saving, investing, understanding credit, and planning for the future. By understanding these concepts, students are better prepared to navigate the financial decisions they'll encounter in their daily lives and in the future. In addition, these programs also help students develop critical thinking skills that can be applied to financial situations, fostering financial independence and responsibility. By partnering with established organizations, like EVERFI, we ensure the content is engaging, relevant, and age-appropriate.

How to start a financial literacy program

To start a financial literacy program for students, first understand the needs and abilities of your targeted age group. Curriculum for younger students should cover basic concepts like the value of money, saving, and distinguishing between wants and needs, while older students may delve into more complex topics like budgeting, investing, credit, and taxes. Once you've identified the relevant topics, develop engaging and age-appropriate educational materials or identify existing resources that could be used. Partner with schools or educational institutions to deliver the program and provide training for teachers if necessary. Incorporate interactive activities and real-world examples to make learning more practical and engaging. Lastly, create an evaluation method to assess the effectiveness of the program and make necessary improvements over time. Starting a financial literacy program for students can be significantly streamlined by partnering with a company that already has established programs, such as EVERFI. By partnering with EVERFI, or similar organizations, you gain access to a wealth of educational content that has been tested and proven effective. This can save considerable time and effort in developing a curriculum from scratch. In addition, these companies often provide support in implementing the program and training educators. Therefore, such a partnership can be a highly effective strategy for introducing a comprehensive and high-quality financial literacy program to students.

What does financial literacy mean?

Financial literacy refers to the understanding of various financial skills, including personal finance management, budgeting, investing, borrowing, earning, saving, and the utilization of financial resources. These abilities hold significance for knowledgeable decisions regarding investments, financial resources, and personal financial health. Financial literacy encompasses comprehension of budgeting, investing, credit and debt, planning for savings and retirement, understanding taxes and insurance, and navigating financial institutions and systems. Possessing these skills provides individuals with the capacity to steer through financial decisions they encounter and to make informed choices about their money management. In the absence of financial literacy, individuals may end up making unfavorable financial choices, which can lead to adverse consequences in the long run.

Comprehensive, Digital Financial Literacy

EVERFI's free lesson library offers financial education curriculums for students in grades 4 through 12. Each program offers a range of scenario-based activities, allowing students to puts their saving, spending, and financial planning skills to practice in a real-world context.

Access and Accountability

Asynchronous learning allows for lessons anytime, anywhere with built-in assessments and real-time grading.

Turnkey Lessons

Gamified financial skills in a fail-safe environment. Teachers receive lesson plans, activities, & discussion guides, too.

Implementation Support

Our regional support team guides teachers every step of the way, through on-demand training and professional learning events.

EVERFI'S HIGH SCHOOL FINANCIAL WELLNESS SUITE

Financial Literacy for High School Students

EVERFI’s High School Financial Wellness Suite offers educators the platform to create a comprehensive, customized learning experience, deepening student knowledge around a range of personal finance topics. All of the interactive, online resources are available to schools free of charge.

If you’re new to EVERFI and need help accessing our free lessons, let’s connect.

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Financial Literacy

The cognitive understanding of financial components and skills

What is Financial Literacy?

Financial literacy is the cognitive understanding of financial components and skills such as budgeting, investing, borrowing, taxation, and personal financial management. The absence of such skills is referred to as being financially illiterate.

According to the Financial Industry Regulatory Authority (FINRA) , about 66% of the American population is considered financially illiterate.

Being financially literate allows an individual to be better prepared for specific financial roadblocks, which, in turn, decreases the chances of personal economic distress.

Achieving financial literacy is crucial in today’s society due to everyday facets of life, such as student loans, mortgages, credit cards, investments, and health insurance.

Fundamental Components of Financial Literacy

Financial literacy consists of several financial components and skills that allow an individual to gain knowledge regarding the effective management of money and debt.

Below are the fundamental components of financial literacy that should be learned.

1. Budgeting

In budgeting , there are four main uses for money that determine a budget: spending, investing, saving, and giving away.

Creating the right balance throughout the primary uses of money allows individuals to better allocate their income, resulting in financial security and prosperity.

In general, a budget should be composed in a way that pays off all existing debt while leaving money aside for saving and making beneficial investments.

2. Investing

To become financially literate, an individual must learn about key components in regards to investing. Some of the components that should be learned to ensure favorable investments are interest rates, price levels, diversification, risk mitigation, and indexes.

Learning about crucial investment components allows individuals to make smarter financial decisions that may result in an increased inflow of income.

3. Borrowing

In most cases, almost every individual is required to borrow money at one point in their life. To ensure borrowing is done effectively, an understanding of interest rates, compound interest, time value of money , payment periods, and loan structure is crucial.

If the criteria above are understood sufficiently, an individual’s financial literacy will increase, which will provide practical borrowing guidelines and reduce long-term financial stress.

4. Taxation

Gaining knowledge about the different forms of taxation and how they impact an individual’s net income is crucial for obtaining financial literacy. Whether it be employment, investment, rental, inheritance, or unexpected, each source of income is taxed differently.

Awareness of the different income tax rates permits economic stability and increases financial performance through income management.

5. Personal Financial Management

The most important criteria, personal financial management, includes an entire mix of all of the components listed above.

Financial security is ensured by balancing the mix of financial components above to solidify and increase investments and savings while reducing borrowing and debt.

Achieving an in-depth knowledge of the financial components discussed above guarantees an increase in an individual’s financial literacy.

Importance of Financial Literacy

Obtaining financial literacy is one of the most important things an individual can do to ensure prolonged financial stability.

Listed below are some real-world facts that should emphasize the overall importance of attaining financial literacy.

• It is estimated that about 78% of Americans live paycheck to paycheck.
• More than 189 million of the American population own credit cards.
• On average, credit card owners own about four cards each.
• Student loan debt is about $1.5 trillion for more than 44 million borrowers.
• Credit card debt levels are at a record high of $1.04 trillion.
• Overall, Americans are approximately $12.58 trillion in debt.

The statistics depicted above should illuminate why financial literacy is paramount in today’s financial climate.

Benefits of Financial Literacy

Being financially literate is a skill that brings forth an assortment of benefits that can improve the standard of living for individuals through an increase in financial stability.

Listed below are the assortment of benefits of being financially literate:

• Ability to make better financial decisions
• Effective management of money and debt
• Greater equipped to reach financial goals
• Reduction of expenses through better regulation
• Less financial stress and anxiety
• Increase in ethical decision-making when selecting insurance, loans, investments, and using a credit card
• Effective creation of a structured budget

Making steps to becoming financially literate is an important component of life that can ensure financial solidity, reduce anxiety, and stimulate the achievement of financial goals.

Where to Gain Financial Literacy

Beyond gaining knowledge through word-of-mouth, there is an assortment of tools and online modules that can increase an individual’s financial literacy.

Listed below are some tools an individual can use to increase financial literacy:

• EconEdLink : Online financial lessons for K-12 students
• Money Smart : Free financial tools such as podcasts, lesson plans, and games to increase financial literacy
• MoneyWi$e : In a partnership between Capital One and Consumer Action , MoneyWi$e provides free multilingual financial education
• InCharge : Dedicated to empowering consumers through personal financial management, InCharge provides online eBooks for educational purposes

Any of the options listed above provides beneficial financial knowledge that should be pursued if an individual wishes to grow their financial literacy.

Related Readings

CFI is the official provider of the global Commercial Banking & Credit Analyst (CBCA)™ certification program, designed to help anyone become a world-class financial analyst. To keep advancing your career, the additional resources below will be useful:

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• Kreyòl Ayisyen

Teach the building blocks of financial capability

Using the building blocks to integrate financial education throughout K–12 education represents a promising opportunity to reach children and youth at pivotal points in their development and financial lives.

The building blocks provide a framework and effective strategies to teach students at different development stages the skills and knowledge associated with adult financial well-being. You can use this framework to identify financial literacy priorities, develop promising teaching techniques, and refine existing programs and resources.

Finding classroom activities

Use CFPB’s interdisciplinary, age-appropriate activities in your own K-12 classroom to help students develop the building blocks and increase their financial capability.

• Search classroom activities

Nurture the building blocks in the classroom

To help you teach the building blocks across different content areas and educational settings, CFPB has created a range of informative materials and classroom activities to instruct students of all ages. These resources can help promote lifelong learning and financial skills development.

Find activities that can help you teach the building blocks of financial capability across the curriculum.

• Discover financial literacy activities

Assessments

Measure students’ progress toward youth financial capability.

• Use assessment tools

Building block resources

Access online financial education resources from other agencies and organizations that support our classroom activities.

• Explore web resources

Build students’ financial vocabulary by introducing key terms.

• Search for financial literacy terms

Money Monsters stories

Use the Money Monsters story series to help children in grades K-5 develop financial literacy skills.

• Read the stories

Free printed tools and resources

Order printed copies of CFPB’s essential financial resources from our Youth financial education site.

• Order free printed copies of materials

Teaching techniques for building financial capability

Research on the building blocks of financial capability shows that specific instructional strategies and learning activities are appropriate for helping youth develop the knowledge, skills, and habits that can lead to adult financial well-being. CFPB has created informational materials to support educators in putting this research into practice.

Grade-level guides

Use these brief guides to incorporate developmentally appropriate strategies into your classroom to help students learn and practice skills to develop financial capability.

• Teaching elementary school students
• Teaching middle school students
• Teaching high school students

Effective teaching strategies

Although many strategies can be effective for teaching youth financial education, the Bureau has identified and defined some that are well suited for teaching particular building blocks.

• Explore strategies

Essay on Financial Literacy for Students and Children

Importance of financial literacy, an introduction to financial literacy.

We go to schools, colleges, universities to complete our educated and start earning our livelihood. We take up jobs, practise professions or start our own businesses so that we can earn money to make our living. But which of these institutions make us capable of managing our own hard-earned money? Probably a very few of them. 

Our ability to effectively manage our money by drawing systematic budgets, paying off our debts, making buying and selling decisions and ultimately becoming financially self-sustainable is known as financial literacy. 

Financial literacy is knowing the basic financial management principles and applying them in our day-to-day life. 

Financial Literacy – What does it Involve? 

From simple practices like keeping a track of our expenses and understanding the need to spend money if we like a product to striking a balance between the value of time saved and money lost, paying our taxes and filing of tax returns, finalizing the property deals, etc – everything becomes a part of financial literacy. 

Get the huge list of 500+ Essay Topics here

As human beings, we are not expected to know the nitty-gritty of financial management. But managing our own money in a way that it does not affect us and our family in a negative way is important. We certainly do not want to end up having a day with no money at hand and hunger in our stomach. 

Why is Financial Literacy so Important?

Financial literacy can enable an individual to build up a budgetary guide to distinguish what he buys, what he spends, and what he owes. This subject additionally influences entrepreneurs, who incredibly add to financial development and strength of our economy. 

Financial literacy helps people in becoming independent and self-sufficient. It empowers you with basic knowledge of investment options, financial markets, capital budgeting, etc.

Understanding your money mitigates the danger of facing a fraud-like situation. A few strategies are anything but difficult to accept, particularly when they’re originating from somebody who is by all accounts learned and planned. Basic knowledge of financial literacy will help people with foreseeing the risks and argue/justify with anyone learned and well-informed.

What should you read on / get informed about in Financial Literacy?

• Budgeting and techniques of budgeting
• Direct and indirect taxation system
• Direct tax slabs
• Income and expense tracking 
• Loans and debt – EMI management 
• Interest rate systems: fixed versus floating
• Business and organisational transaction studies
• Elementary Book-keeping and Accountancy
• Cash in-flow and out-flow Statements
• Investment & personal finance management
• Asset management:
• Business negotiation skills and techniques
• Make or buy decision-making
• Financial markets 
• Capital structure – owner’s funds and borrowed funds
• Fundamentals of Risk Management
• Microeconomics and Macroeconomics fundamentals

While there are various media to learn about financial literacy, we recommend that you join a short-term, weekend programme which helps you get financially literate.

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Bridging the Financial Literacy Gap: Decker & Associates Offers Actionable Solutions through Innovative Courses

Financial literacy has become a critical issue in the United States. The data gathered between 2017 and 2023 highlights the extent of the problem. It shows that the percentage of US adults with poor financial literacy increased from 20% to 25%. Even more alarming is that the younger generations (i.e., Gen Z and Gen Y) exhibit the lowest financial literacy rates. 

The consequences of this lack of financial understanding are dire. In 2023 alone, it cost Americans $388 billion. The unfortunate reality is that individuals with extraordinarily low levels of financial literacy are seven times more likely to spend substantial amounts of time struggling with personal finance-related issues, further exacerbating the problem. 

Decker & Associates, Inc. (D&A), recognizes the urgent need for an improved financial literacy education. Leading a 44-year-old, award-winning company specializing in publishing real-life, outcome-based, personal financial literacy, career, and college prep materials has provided D&A with valuable insights into the broader problem.  

Founder and President, Lorraine Decker, asserts that there's a twofold challenge that hinders efforts to improve financial literacy nationwide. “There's a disconnect between traditional teaching methods and the changing needs of students,” Decker remarks. “With more states mandating PFL for high school graduation, the courses adopted lack essential elements of goal setting and planning. These two elements should be the foundation for anyone learning personal financial literacy. Furthermore, by teaching PFL through critical thinking and problem solving, the students realize the relevance of their other curricula in helping them to achieve their goals. For example, with PFL, students realize the importance of taking AP classes in history, science, and math to learn higher level thinking concepts that will definitely impact their financial futures.” 

Many school districts ask teachers to create course materials. This approach overlooks the need for expertise in financial planning, economics, and money management. Many educators lack the necessary knowledge and skills to effectively develop and teach financial concepts. This presents a risk that high school students will receive subpar financial education and won’t be fully aware of the implications their financial decisions can have on their futures. 

Decker & Associates has made it their mission to leverage their experience in financial planning and education to contribute to socio-economic change by launching Real Life Courses.  

The Personal Financial Literacy & Economics for Real Life (PFL&E 4RL) course has been endorsed by the Texas Education Agency and fulfills all requirements of the Texas Essential Knowledge and Skills (TEKS). The Personal Financial Literacy & Money Management Course is currently being reviewed for adoption by the Florida Department of Education.  

These one-semester online courses start with goal setting and creating ten-year plans, allowing students to establish a foundation upon which they build their financial independence. They encourage students to critically examine their aspirations, understand the financial implications of their choices, and make informed decisions that align with their long-term goals. 

“We made sure that all Real Life Courses are engaging, challenging, and thought-provoking. We created a blended online environment conducive to students doing their assignments and reflective exercises. The courses urge the students to collaborate and discuss real-world scenarios like knowing the costs of buying versus leasing a car or the financial implications of relocating to a city with public transportation,” states Decker.  

The impact of the courses hasn't gone unnoticed. PFL&E has been recognized by esteemed institutions like the Southern Methodist University's Cox School of Business, affirming its effectiveness in preparing students for the challenges of the modern economy.  

Essentially, both PFL&E and PFL&MM focus on achieving financial security and independence and acquiring appropriate post-secondary education. They also engage students in practical assignments. Students navigate economic trends such as the rise of artificial intelligence (AI) and the impact of AI, including the potential displacement of workers and the creation of new job opportunities. 

These courses are an innovative solution for financial literacy. They address the two-fold problem of not teaching critical thinking and problem solving to high school students, and not encouraging high school students to set goals and have a long-term plan for their future. All while providing students with practical knowledge and skills useful for their personal finance and career planning.  

Investing involves risk and your investment may lose value. Past performance gives no indication of future results. These statements do not constitute and cannot replace investment advice. 

More From Forbes

Helping the next generation with financial literacy, wealth management.

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Aviva Pinto is a CDFA, CDS and Managing Director and Wealth Manager at Wealthspire Advisors.

As part of my role helping families with their wealth, I am often asked to assist the next generation. Financial literacy is not taught in school, and parents are sometimes too busy or unable to teach it to their kids/adult children. This is where wealth managers can step in to help.

Here are some expert financial strategies you can pass along to help your children get started on the right foot.

Create A Solid Financial Foundation

Many adult children will soon go off to college as freshmen. For some, this will be the first time they have to think about their spending. I always suggest a debit card rather than a credit card so that they cannot overspend. As their parent, you can put a monthly “allowance” on the debit card. When the debit card runs out, there will be no more money until the following month, unless your kid can convince (beg) you to add more.

I suggest making them responsible by getting a side hustle such as working as a teaching assistant, helping in a lab, babysitting a professor’s kid, walking/taking care of pets or working in a local restaurant or retail establishment.

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Other adult children will be starting new full-time jobs for the first time since graduating college. For them, I recommend saving up at least three months of expenses in case things don’t work out as planned. Having an “emergency fund” is necessary to cover unexpected costs that might arise.

Both milestone events above will require them to budget—often, for the first time in their lives. A good way for them to get started is to look at what they have (or will be bringing in) each month and then keep track of what they are spending. There are many online apps that can help them track their spending, and most banks provide ways to track spending in categories.

The biggest hurdle is to watch the cash that is going out for Uber/Lyft, Uber Eats, DoorDash, online purchases from Amazon, Rent the Runway, Poshmark, gaming apps and transfers to one another via Venmo and Zelle.

Those starting new jobs will want to establish credit and obtain a credit card in their own name if they do not already have one. It is very important for them to make sure they track their spending and do not get into debt. Credit card companies are charging an average interest rate of almost 28% on outstanding balances, as of this writing. Investments won’t make up that kind of interest charge. Some cards also charge a monthly fee in addition to the outstanding balance interest charge. I teach my clients that it is better to forgo that extra pair of pants, concert, restaurant, etc., than pay an additional 28% annually on the balance if they cannot pay it off.

Keep Retirement In Mind—Yes, Even Now

While retirement may seem a long way off for a 22-year-old coming out of college and starting a new job, I stress that they should maximize their contributions to their retirement plan. They can contribute a maximum of $23,000 to an employer-sponsored retirement account in 2024. Many companies offer a match as a percentage of what the employee contributes—which becomes free money to the employee.

Contributions are made pre-tax so it will reduce their taxable income and save them money on taxes.

If they have additional money, they can also contribute to an IRA. For 2024, individuals can contribute $7,000 to an IRA or Roth IRA. They can only use a Roth IRA if their income is below $161,000 for singles and heads of households.

Currently, they do not have to start taking distributions from retirement accounts until they are 73 , so I typically recommend being as aggressive as possible with the investment of those funds. Withdrawals will automatically be made from each paycheck, which effectively will dollar-cost average the contributions.

Even if the market takes a drop, I encourage clients to stick with their long-term investment plans and not panic. Short-term fluctuations are common. It is also a fact that through Dec. 31, 2023, the S&P 500 has only seen one rolling 10-year period with negative results.

Because their time horizon is over 50 years, investing in riskier assets, such as stocks, real estate and commodities, may provide the highest returns over time. Within stocks, I suggest diversifying into U.S. and international stocks and mixing in large, medium and small stocks.

Companies offer a wide range of investments for employees including exchange-traded fund indices and target date funds, which start out aggressive and move to be more conservative over time.

Working with a wealth manager can help them choose the asset allocation and evaluate their company’s offerings to fund the allocation that is right for them.

Build A Strong Future

It is never too early for your children to start building for their financial future. Encourage them to watch their spending, save for emergencies, start tax-free investing as soon as possible and stay on track by meeting regularly with a trusted wealth manager.

The information provided here is not investment, tax or financial advice. You should consult with a licensed professional for advice concerning your specific situation.

Forbes Finance Council is an invitation-only organization for executives in successful accounting, financial planning and wealth management firms. Do I qualify?

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Home » Financial Literacy » Resources for Teachers » Financial Literacy for Kids

Financial Literacy for Pre-school, Pre-K, Kindergarten, First and Second Grade

The following lessons provide guidance, lesson plans and activities for teachers interested in introducing four to seven year old children (pre-school, pre-k, first and second grade) to early financial literacy  concepts.

Introduction

Lesson One: Making Spending Decisions

From birth, a child has choices. At first parents make the decisions, but before the end of the first year, children are capable of making some simple selections. If children are allowed to make easy choices as toddlers, then making decisions for themselves as they grow becomes less difficult. This lesson introduces guided, money-related, decision-making activities for children in preschool and kindergarten.

Teacher’s Guide – Lesson One: Making Spending Decisions

Student Guide – Lesson One: Making Spending Decisions

Lesson Two: Spending Plans

Preschool-aged children are capable of learning simple spending plans. Early training in categorizing money establishes patterns for future money-management behavior.  This lesson introduces children to the concept of dividing their money into categories, namely “save,” “spend,” and “share.” We present activities that will help children understand that money is limited in quantity and must be divided for different purposes.

Teacher’s Guide – Lesson Two: Spending Plans

Student Guide – Lesson Two: Spending Plans

Lesson Three: Earning Money

Adults must earn money to provide for their needs and wants. In this lesson children learn that money is earned and does not come free. Children also learn that money is limited in quantity.  Early training in earning small amounts of money provides a foundation and understanding that work and money are connected.

Young children perform certain tasks at home just because they are part of the family or household. Children can do additional tasks to earn money for their spending plans. Children need to distinguish between shared responsibilities as members of a family and responsibilities that earn them money.  This lesson introduces young children to activities and ideas for earning money. The money earned helps children meet their financial goals . Remember that the financial goals for a preschool-aged child may seem simple to an adult, but they are not simple to the child. Children learn the concept that money is a reward for working.

Teacher’s Guide – Lesson Three: Earning Money

Student Guide: Lesson Three: Earning Money

Lesson Four: What is Money?

Money is the medium of exchange for most goods and services. Different coins and paper money have different values.  Children need the ability to recognize the names and values of different coins and bills used in exchange for goods and services. This lesson helps children identify the names of coins and grasp their relative values in terms of purchasing power. We present games and activities that will help children acquire this knowledge.

Teacher’s Guide – Lesson Four: What Is Money?

Student Guide – Lesson Four: What Is Money?

Financial Literacy for Grades 3-6

The following lesson plans are designed for elementary school children in the following grades: third grade, fourth grade, fifth grade and sixth grade.

Lesson One: Allowances and Spending Plans

Children in grades three through six are capable of managing small amounts of money. They can divide their money into several categories, including “spend,” “save,” and “give.” At the same time, they can spend their money and keep a record of what was spent.  This lesson provides an introduction to allowances for third through sixth graders. Allowances are the first step to understanding written spending plans or budgets. With guidance managing allowances in childhood, children can become financially responsible adults. Adults with effective budget skills create healthier family relationships and contribute to building a stronger economy.

Teacher’s Guide – Lesson One: Allowances and Spending Plans

Student Guide – Lesson One: Allowances and Spending Plans

Lesson Two: Money Responsibility

Successful money management includes keeping records of money spent. This includes having the skills to know how much money is available, how much money has been spent, and how much money must be saved for future needs.  This lesson introduces elementary-aged children to the concept of being responsible for managing money through accurate record-keeping. It provides them with activities and worksheets that demonstrate the need to be accountable for how they spend and save money.

Teachers Guide Lesson 2 Part 2: Money Responsibility

Student Guide Lesson 2 Part 2: Money Responsibility

Lesson Three: Saving and Investing

Part of learning about money management includes knowing where to put savings. The value of savings increases differently depending on how the money is managed. Placing savings in something beyond a savings account introduces students to the world of investments.  When they become adults, these students will have control over where they invest their money for retirement. It is important that they understand how to get the best growth for their money. At the same time, they need to understand the chances of losing that money in investments.  This lesson introduces students to the basics of how money grows through saving and investing. It introduces the concepts of financial risk and rates of return.

Teacher’s Guide – Lesson Three: Saving and Investing

Student Guide – Lesson Three: Saving and Investing

Lesson Four: Comparison Shopping

This lesson introduces students to the concepts associated with comparison shopping and choosing the best option. The activities in this lesson will introduce students to the difference between needs versus wants. Students will also learn to scrutinize advertising to discover messages that may affect their decisions.

Teacher’s Guide – Lesson Four: Comparison Shopping

Student Guide – Lesson Four: Comparison Shopping

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Andrew and Michele Ryan are keen travellers in their retirement. ( Supplied: Michele Ryan )

Australians can set themselves up for a more comfortable retirement by teaching their children financial literacy, according to a financial advisor.

A OECD study found only 34 per cent of adults reached the minimum target score on financial literacy.

What's next?

Teaching children discipline, goal setting and delayed gratification are good starting points for building financial literacy, according to the experts.

Newly retired couple Andrew and Michele Ryan are in their "go-go years", and are travelling the world instead of stashing away savings toward their children's inheritance.

"There are the 'go-go' years, the 'go-slow' years, and the 'no-go' years," Ms Ryan said.

"That is the focus of what we're doing, to get out and experience things while we can."

The couple credit their freedom to the financial independence of their daughters — both aged in their 20s — and the rigorous money education they worked hard to give their children when they were younger.

Andrew and Michele Ryan are enjoying their retirement by travelling. ( Supplied: Michele Ryan )

"It just gives us the comfort to know that we're not worried about leaving money for them because we know that they have the skills to make it," Mr Ryan said.

"We actually do have friends that are making sure that they have money for their kids and they're still paying for them in their 40s."

Research published by financial services company AMP in June found that although three in four older Australians believed it was important to pass their wealth onto their children, 70 per cent were unwilling to compromise their retirement lifestyle to do so.

The Ryans can relate.

They're currently enjoying a month-long holiday in Indonesia, followed by a cruise from Brisbane to Victoria, booked for the Melbourne Cup.

"We know that there will be something left, but we're not saying that we have to leave everything to them and therefore sacrifice our travel or our retirement," Ms Ryan said.

The couple say they feel comfortable travelling because of the financial independence of their daughters. ( Supplied: Michele Ryan )

How important is financial literacy?

An international survey by the Organisation for Economic Cooperation and Development (OECD) in 2023 found that on average across its 39 member countries, only 34 per cent of adults reached the minimum target score on financial literacy.

Financial advisor Ben Greany said teaching financial literacy to your children was integral to setting up your own retirement.

"The ones [retirees] that do it well, do have children that have been successful in their own right and do have their own financial stability," the central Queensland-based advisor said.

Ben Greany is a financial advisor in Rockhampton. ( ABC News: Scout Wallen )

Mr Greany said the intergenerational consequences of financial literacy issues were obvious.

"If someone has had parents that have always struggled and not done their own budgets well, you'd expect that to flow through to the children," he said.

"The discipline of saving is very hard, it's not something you would just pick up naturally … you would have to be taught and influenced in some way."

Ben Greany says his clients with financially independent children are more comfortable in their retirement. ( ABC News: Scout Wallen )

Teaching the 'value of money'

Mr Ryan, 58 — a carpenter by trade who went on to work in local government — retired earlier this month. 

Ms Ryan, 65, retired in February from her career as a vocational teacher at TAFE Queensland, and still operates a small side-hustle as a travel agent.

But the couple said their preparation for retirement started decades ago when they began teaching their daughters fiscal lessons from an early age.

Mr Ryan said one of those strategies had their daughters funding items they wanted, while big ticket-purchases — such as a car — were split half-and-half.

"It taught them the value of money," he said.

"If you give your kids something, then it has no value to them, and they'll damage that car or they'll damage that phone and there's no financial consequence."

He said there was also an emphasis on work ethic.

"They had jobs since they were 14 years and nine months," Mr Ryan said.

"[When they graduated] they were just keen to get into the world, earn their own money and set themselves up."

Hailey Ryan (left) is pleased her parents have the time and money to travel. ( Supplied: Hailey Ryan )

Hailey Ryan, the couple's youngest daughter, applauds her parents' approach.

She said being taught a good work and financial ethic from a young age had allowed her parents to have more financial freedom.

"They don't have two daughters relying on them," the 25-year-old said.

She welcomed her parents' adventurous spirit and ability to enjoy their retirement years.

"They have worked really hard, so I think it is really exciting opportunity to spend money the way they want to," she said.

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  Ethiopian Journal of Business and Economics (The) Journal / Ethiopian Journal of Business and Economics (The) / Vol. 14 No. 1 (2024): The Ethiopian Journal of Business and Economics / Articles (function() { function async_load(){ var s = document.createElement('script'); s.type = 'text/javascript'; s.async = true; var theUrl = 'https://www.journalquality.info/journalquality/ratings/2408-www-ajol-info-ejbe'; s.src = theUrl + ( theUrl.indexOf("?") >= 0 ? "&" : "?") + 'ref=' + encodeURIComponent(window.location.href); var embedder = document.getElementById('jpps-embedder-ajol-ejbe'); embedder.parentNode.insertBefore(s, embedder); } if (window.attachEvent) window.attachEvent('onload', async_load); else window.addEventListener('load', async_load, false); })();  

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Article Details

Main article content, the influence of digital and financial literacy on interest-free banking financial inclusions: insight from ethiopia's country-specific socioeconomic survey 2018–19, abdella hussen mudessir, abbi m. kedir, abebaw kassie.

T his study aimed to investigate the influence of financial and digital literacy on the use of interest-free banking services as a policy tool for financial inclusion in Ethiopia. The study used Ethiopia's country-specific Socioeconomic Survey (ESS) 2018–19 data, which included clustered dataset structures such as regional, place, household, and individual differences. Descriptive statistics were used to demonstrate variation in digital financial literacy, financial literacy, and Interest Fee Banking (IFB) service use among adults in the country. Mixed-effects Econometric modeling was estimated by applying within- household random variance-controlled maximum likelihood techniques in STATA algorithms. These methods aim to estimate the fixed effects and random variations in IFB use among adults efficiently while capturing cluster-specific deviations. These modeling and estimation techniques provide a powerful and flexible approach to ensuring robustness and trustworthy findings in survey data contexts. The findings show that adults' digital financial literacy, financial literacy, IFB service use, and other characteristics of the financial literacy mean score are distributed asymmetrically among geographical places, genders, incomes, and religious affiliations. Additionally, these data insight results demonstrate that digital and financial literacy-restricted random effects predictor parameters have a positive and significant influence on IFB usage. This implies that enhancing adults' digital and financial knowledge, attitudes, and behaviors results in a significant increase in financial inclusion in Ethiopia at Citrus Paribus. Lastly, the researchers recommend. Robust policy intervention goals should be tailored to the values and principles of the IFB model rather than implementing a uniform traditional approach to financial inclusion. The holistic strategic solution for efficient digital-financial literacy and innovative financial products and services development required to be prioritized focuses on underserved communities such as gender, unemployment, rural, geographical, religious, and other persistent barriers that have contributed to Ethiopia's involuntary financial exclusion.

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Wisconsin judge rules governor properly used partial veto powers on literacy bill

FILE - Wisconsin Gov. Tony Evers speaks before President Joe Biden’s scheduled remarks at Gateway Technical College, May 8, 2024, in Sturtevant, Wis. (AP Photo/Evan Vucci, File)

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MADISON, Wis. (AP) — Wisconsin Gov. Tony Evers properly used his partial veto powers on a school literacy bill, a judge ruled Tuesday.

Dane County Circuit Court Judge Stephen Ehlke’s decision marks a victory for the Democratic governor as he works to stave off Republican attempts to rein in his partial vetoes, one of the few ways he can block or soften GOP initiatives.

The dispute centers around two bills designed to improve K-12 students’ reading performance.

The governor signed the first measure in July 2023. That bill created an early literacy coaching program within the state Department of Public Instruction as well as grants for schools that adopt approved reading curricula. The 2023-2025 state budget that Evers signed weeks earlier set aside $50 million for the initiatives but didn’t actually distribute any of that money.

Evers signed another bill in February that Republicans argued created guidelines for distributing the $50 million. The governor used his partial veto powers to change multiple allocations into a single appropriation to DPI, a move that he said would simplify things and give the agency more spending flexibility. He also used his partial veto powers to eliminate grants for private voucher and charter schools.

Republican legislators sued in April, arguing the changes Evers made to the bill were unconstitutional. They maintained that the governor can use his partial veto powers only on bills that actually distribute money and the February bill didn’t allocate a single cent for DPI. The legislation, they insisted, was merely a framework for spending.

Online court records indicate Ehlke concluded that the bill is an appropriation bill and as such is subject to partial vetoes. The $50 million for the literacy initiatives, however, will remain in the Legislature’s control. Ehlke found that lawmakers properly appropriated the money to the Legislature’s finance committee through the budget, and the committee has discretion on when to release it.

The Legislature’s lead attorney, Ryan Walsh, declined comment.

Evers tweeted that he was glad Ehlke upheld his partial veto powers that “Wisconsin governors have exercised for years.” But he said that he disagreed with GOP lawmakers “obstructing” the release of the literacy funding, and he plans to appeal that ruling.

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ACSI Partners with Ron Blue Institute to Offer Students a Biblical Financial Literacy Course August 26, 2024

Colorado Springs, CO – The Association of Christian Schools International (ACSI) is thrilled to announce its partnership with Ron Blue Institute . The Institute, which delivers biblically based financial wisdom through thought leadership and content for various channels, has created a unique biblical financial literacy course for students. Through this partnership, both organizations hope to equip the next generation with a God-honoring understanding of how to steward finances well. ACSI President & CEO Dr. Larry Taylor believes this partnership and course offering will be pertinent and useful for schools in training young Christians to understand their relationship with God and with stewarding resources. “As a father and former head of school, I have had first-hand experience in witnessing the difference that a biblically sound understanding of finances makes in a student’s life,” he said. “This is a key area to help train our students in. Through this course, we hope to bolster a Christ-like approach to finances so that the next generation can go into the world and live differently, shining a light for Christ.” Through this partnership, Ron Blue Institute and ACSI aim to address a gap in financial education within Christian schools. Vice President of Educational Programs at Ron Blue Institute, Dr. Phil Gelatt, further explained the Institute’s approach to financial literacy. “Rather than a prescriptive, step-by-step approach that sees finances as a transaction, we think the Bible has much to say about money, wealth, and possessions (over 2,300 verses), providing transcendent principles that can guide our hearts to greater love for God and for others,” Gelatt shared. “Jesus recognized the challenge when He said we can't serve God and money (Luke 16:13), reinforcing the idea that money really is a heart issue.” According to Gelatt, research conducted by the Institute has revealed that many Christian schools either neglect financial literacy altogether or adopt a purely practical, hands-on approach. This partnership seeks to bridge that gap by embedding a biblical worldview into financial education, transforming how students think about and manage money in alignment with God's Word. Gelatt shared his passion for equipping students. “In the ever-changing world we live in, financial literacy practices are constantly changing,” he said. “Students today need to have a biblical foundation of what God has to say about money, a thorough knowledge of the principles that guide our financial decision making, and then be aware of what current practices with money are. Schools that teach from this perspective and teachers that provide living examples of this kind of life will have a lasting impact on their students for God's Kingdom.” This partnership between ACSI and Ron Blue Institute marks a significant step forward in the mission to cultivate financially literate students who are equipped to make wise, God-honoring decisions in every aspect of their lives. To learn more about the course, visit the website .