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Personal Finance for Your State

Provide hope, confidence and life-change with a high school curriculum that meets national and state standards. Choose your state to get started with Foundations in Personal Finance.

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This Curriculum Really Works

Foundations has 13 flexible chapters with real world topics like saving, investing, college planning, global economics, and more!

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Tell us about your position.

Tell us about your school.

Tell us about yourself.

How can we get you more information?

Legal mumbo jumbo is no one’s cup of tea, but this is important stuff. By submitting this form, you agree that Ramsey Solutions and its agents and affiliates may contact you via email, telephone, or text messages, as well as may be permitted under our Privacy Policy and Terms of Use. This may include up to eight advertising messages per month via autodialer, artificial voice, and/or prerecorded messages.

Need a break from texts? Reply STOP from the mobile device receiving the messages at any time. (It’s not you, it’s us. Really.) Opting out may mean missing out on cool Ramsey product updates but the good news is that our products and services are available even without submitting this form. Messaging and data rates apply.

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We're excited to get this life-changing homeschool curriculum to you. Check it out in our store.

Flexible for Any Learning Environment

Teaching remotely? Back in the classroom? A mix of both? We’ve got you covered!

Digital and print options, available in Spanish, 45-, 90-, 180-day pacing guides
foundations in personal finance book, and George Kamel
foundations in personal finance video and chapters

Your Time Matters

We’ve done the planning for you, so you can get some much-needed time back in your day.

72 ready-to-teach lessons, 72 complete activities, auto-graded assessments

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Flexibility for Any Learning Environment

Teaching remotely? Back in the classroom? A mix of both? We’ve got you covered!

Digital and print options, available in Spanish, 45-, 90-, and 180- day pacing guides
foundations in personal finance book, and George Kamel
foundations in personal finance video and chapters

Your Time Matters

We’ve done the planning for you, so you can get some much-needed time back in your day.

72 complete activities, ready-to-teach lesson plans, auto-graded assessments

We’re Here to Help

Get access to tools and support that will help you win in the classroom.

Curriculum support and training, professional development, help center
Professional Development - certificate, and video

Trusted Content

Be confident that what you’re teaching will make a difference that lasts a lifetime.

over 6 million student lives changed, has been taught in over 45% of high schools, trusted by educators for over 15 years
Without a doubt, this is life-changing stuff! - Alex, Teacher

Trusted Content

Be confident that what you’re teaching will make a difference that lasts a lifetime.

over 6 million student lives changed, has been taught in over 45% of high schools, trusted by educators for over 15 years

Let's Dive a Little Deeper

Try Foundations today—for free!

That’s right. Test-drive the curriculum with a free trial. You’ll get access to all of Chapter 1—including reading content, video lessons and classroom activities.

Looking for standards correlations?

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"Teaching this course is like teaching a part of my heart. The students in my classes will have opportunities and wealth they may not have otherwise had because of what they are learning.”

— Dara, Foundations teacher

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table of contents

TABLE OF
CONTENTS

standards correlations

STANDARDS CORRELATIONS

textbook adoptions

TEXTBOOK ADOPTIONS

frequently asked questions

FREQUENTLY ASKED QUESTIONS

Entrepreneurship curriculum

We also have an entrepreneurship curriculum!

Teach your students how to start and run their own business with Foundations in Entrepreneurship

Entrepreneurship curriculum

We also have an entrepreneurship curriculum!

Teach your students how to start and run their own business with Foundations in Entrepreneurship

New! Available in Spanish!

Our Foundations in Personal Finance curriculum has these Spanish language resources available:

Closed-Captioning & Transcriptions for All Videos, Student Textbook in Downloadable PDFs, Student Activities & Chapter Assessments in PDFs, Parent Resources

Textbook Adoptions

We've worked hard to create the industry's leading curriculum on personal finance which meets or exceeds standards in all 50 states. As a result, editions of our curriculum have been adopted in the following states:

Table of Contents

The Foundations in Personal Finance high school curriculum consists of 13 chapters of essential personal finance principles like how to budget, save, avoid debt, invest, be a wise consumer and much more!

  • Lesson 1: Personal Finance and You
  • Lesson 2: A History of Credit and Debt
  • Lesson 3: It’s Time for a Change
  • Lesson 4: The Road to Financial Success
  • Lesson 5: Financial Literacy
  • Lesson 6: Money Personalities and Relationships
  • Lesson 1: The Benefits of Budgeting
  • Lesson 2: Components of a Budget
  • Lesson 3: Building a Zero-Based Budget
  • Lesson 4: Tracking Your Expenses
  • Lesson 5: Making Budgeting a Habit
  • Lesson 6: Relationships and Budgeting
  • Lesson 1: Saving Money Takes Discipline
  • Lesson 2: Three Basic Reasons to Save
  • Lesson 3: Saving for Emergencies 
  • Lesson 4: Saving for Large Purchases  
  • Lesson 5: Building Wealth
  • Lesson 6: Compound Interest and Growth   
  • Lesson 1: Beware of Credit and Debt 
  • Lesson 2: Sources and Types of Credit
  • Lesson 3: Credit Scores and Credit Reports  
  • Lesson 4: The Truth About Credit Cards   
  • Lesson 5: The Truth About Car Loans 
  • Lesson 6: Getting and Staying Out of Debt    
  • Lesson 1: The Psychology of Sales
  • Lesson 2: Buyer Beware
  • Lesson 3: The Marketing Machine  
  • Lesson 4: Becoming a Smart Spender
  • Lesson 5: Protecting Yourself as a Consumer
  • Lesson 6: Your Spending Behavior
  • Lesson 1: Work Matters
  • Lesson 2: Resumé and Interview Basics
  • Lesson 3: An Entrepreneurial Mindset
  • Lesson 4: The Path to Your Dream Job
  • Lesson 5: Exploring Career Options 
  • Lesson 6: Be a Lifelong Learner
  • Lesson 1: The Path to Intentionality
  • Lesson 2: Explore Your Options
  • Lesson 3: Consider the Cost
  • Lesson 4: Reduce Your Cost
  • Lesson 5: Build Your College Resume
  • Lesson 6: Maximize Your Investment
  • Lesson 1: The Purpose of Banks
  • Lesson 2: Types of Financial Institutions
  • Lesson 3: Your Banks Accounts
  • Lesson 4: Responsible Banking
  • Lesson 1: Insurance is Important
  • Lesson 2: Auto Insurance
  • Lesson 3: Homeowners and Renters Insurance
  • Lesson 4: Health Insurance
  • Lesson 5: Life Insurance
  • Lesson 6: Other Types of Insurances
  • Lesson 1: What Happened to my Money
  • Lesson 2: Taxes on Your Paycheck
  • Lesson 3: Income Tax Basics
  • Lesson 4: Filing Your Income Taxes
  • Lesson 5: Taxes on Other Types of Income
  • Lesson 6: Taxes on Things You Buy
  • Lesson 1: Living On Your Own
  • Lesson 2: Renting Vs. Owning
  • Lesson 3: Renting 101
  • Lesson 4: Buying a House
  • Lesson 1: Money For the Future
  • Lesson 2: Understanding Investments
  • Lesson 3: Investing Through Retirement Plans
  • Lesson 4: Protecting Your Investments
  • Lesson 5: Planning For Retirement 
  • Lesson 6: Outrageous Generosity
  • Lesson 1: Macroeconomics and Global Activity
  • Lesson 2: Economic Systems
  • Lesson 3: The U.S. Economy
  • Lesson 4: Thinking Globally

Frequently Asked Questions

You asked, we answered. Here are some of our most frequently asked questions about Foundations in Personal Finance: High School Edition.

Does Foundations in Personal Finance support online/virtual learning?

Yes! Foundations in Personal Finance is available in a fully digital option, as well as a print and streaming option. No matter what delivery method you choose, you’ll get a printed Teacher Guide.

Does Foundations in Personal Finance meet state and national standards?

Yes! The Foundations in Personal Finance curriculum meets state and national standards for personal financial literacy. See the standards correlations for your state for more information.

Does Foundations in Personal Finance support differentiated learning?

Yes! We have extended learning prompts specifically for differentiated learning in the Teacher Guide.

Are lesson plans and classroom activities included?

Yes! Foundations in Personal Finance is full of ready-to-teach classroom activities and lesson plans that will help you save time and allow you to feel confident about teaching Foundations.

How do I get a quote for Foundations in Personal Finance?

Simply fill out the form above, and our team will reach out to you to provide a quote based on your class size and student needs.

How long does it take to teach Foundations in Personal Finance?

Foundations in Personal Finance is designed as a semester-long course with stand-alone chapters. We provide you with 45-, 90- and 180-day pacing guides that you can choose from, but if you don’t need a full semester course, the stand-alone chapters allow you to make the course fit your schedule—not the other way around.

How many schools use Foundations in Personal Finance?

More than 45% of schools across the country have used the Foundations curriculum. This means more than 7 million students have learned how to budget, save, spend wisely, and invest. It’s a generation equipped to live out their dreams and give to the world around them.

Don't see what you're looking for? Contact your state's Curriculum Advisor at 615.843.9439