Youth & Families Financial Literacy Program
10-week curriculum for schools, community centers, and libraries
Practical money skills for ages 13-25 and their families. From budgeting basics to financial independence.
10
Weeks
20+
Interactive Tools
8
Calculators
15
Simulations
Week 1
Understanding Money Basics
Help students understand money's role in daily life through interactive games and real-world scenarios.
- Needs vs wants identification
- Tradeoffs and opportunity cost
- Money decision making
Choice Game
Spending Tracker
Decision Matrix
Available
Week 2
How Money Flows
Build understanding of income and expenses through hands-on budget creation.
- Income sources
- Fixed vs variable expenses
- Basic budgeting principles
Budget Tracker
Income Calculator
Family Worksheet
Available
Week 3
Saving Strategies
Learn why and how to save money through goal-setting and delayed gratification exercises.
- Short and long-term goals
- Delayed gratification benefits
- Savings goal planning
Savings Calculator
Marshmallow Challenge
Goal Tracker
Available
Week 4
Emergency Fund Basics
Understand financial safety nets through crisis scenarios and emergency planning.
- What counts as an emergency
- Emergency fund targets
- Crisis response planning
Emergency Calculator
Crisis Game
Scenario Simulator
Available
Week 5
First Paycheck Literacy
Decode paychecks and understand taxes, deductions, and take-home pay.
- Gross vs net pay
- Tax withholdings
- Payroll deductions
Paycheck Calculator
Tax Simulator
Deduction Guide
Available
Week 6
Smart Spending Habits
Develop informed spending decisions and avoid common money traps.
- Impulse buying awareness
- Subscription management
- Lifestyle inflation
24-Hour Rule Tracker
Subscription Audit
Spending Analyzer
Available
Week 7
Banking & Digital Payments
Navigate modern banking and digital payment systems safely and effectively.
- Checking account basics
- Digital payment security
- Banking safety practices
Payment Comparison
Security Checklist
Banking Quiz
Available
Week 8
College Financial Planning
Prepare families for college costs through financial aid and planning strategies.
- College cost breakdown
- FAFSA process
- Scholarship strategies
College Calculator
FAFSA Guide
Aid Comparison
Available
Week 9
Teen Independence Preparation
Prepare teens for financial independence with real-world budgeting simulations.
- Independent living costs
- Rent and utilities
- Insurance basics
Apartment Calculator
Real World Simulation
Independence Quiz
Available
Week 10
Family Financial Planning
Bring families together for collaborative financial discussions and goal setting.
- Family goal setting
- Emergency planning
- Multi-generational wealth
Family Worksheet
Goals Tracker
Planning Guide
Available
👩🏫 For Educators & Facilitators
Complete implementation resources including facilitator guides, assessment rubrics, printable worksheets, and progress tracking tools.