Empower Your Students With Financial Confidence

Foundations in Personal Finance equips students with life-changing skills, from saving and budgeting to investing and graduating debt-free—all while meeting state standards!

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Curriculum for Public, Private and Charter Schools
Here's the Reality: Most teens don’t know how money really works.
Together we can change that!

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Why Foundations in Personal Finance?

Our curriculum can help you overcome classroom distractions with hands-on activities, engaging videos and real-life application.

Engaging Videos
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Confidence building activities
The debt snowball
Lessons for real life
Interactive budgeting tool

Built for Student Needs

We provide custom resources to help teachers meet the needs of every student in their classroom.

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    Available in English and Spanish

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    ELL and Tier 2 resources

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    45-, 90- and 180-day pacing guides

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Our course is compatible with:

Clever, Classlink, Canvas, Schoology
ELL, Tier 2 Resource and Pacing Guide Examples

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Our Foundations Curriculum Gets Results
“I learned that with the right mindset, I don't have to be stressed about money.” – Elizabeth

In a survey of 3,851 students who took a Foundations in Personal Finance course:

90% believe it's possible to graduate from college debt-free. 87% feel they are in control of their money. 87% have specific goals for their money. 87% believe debt is dangerous and should be avoided at all cost. 86% feel hopeful when they think about their financial future. 74% believe they can be a millionaire one day. 74% are excited to share their financial knowledge with family and friends.

Source: The Ramsey Education Curriculum Effectiveness Survey, 2023

Foundations in Personal Finance

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.

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We Also Have an Entrepreneurship Curriculum!

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

Learn More

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!

Personal Finance

Introduces the topic of personal finance, explores the evolution of credit and consumerism in America, and highlights the importance of both knowledge and behavior when it comes to managing money. 

  • 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

Dives into why budgeting is key to taking control of money—and how students can get started right now. 

  • 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: Make Budgeting a Habit
  • Lesson 6: Relationships and Budgeting

Emphasizes the importance of saving and explains three reasons why students should save money: emergencies, large purchases, and wealth building. 

  • 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   

Identifies the dangers of debt, debunks some credit myths, explains the credit report and score, and provides practical strategies to get out of debt—and stay out. 

  • 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    

Highlights the importance of being a smart consumer as part of a healthy financial plan, explains strategies to manage spending behavior, exposes common consumer scams, and identifies consumer rights. 

  • 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

Examines how students can find the right career path and create strategies to land a job they’ll love so they can thrive and enjoy their work. They’ll also discover tips for building a resumé and presenting themselves well during a job interview. 

  • 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

Explores the variety of educational options available after high school, highlights the dangers of student loans, and explains how students can pay cash for college and avoid student loan debt. 

  • 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

Explores the services provided by banks and credit unions, including the different options and features. Students will learn about responsible banking, how to manage their accounts, and the importance of keeping records.  

  • Lesson 1: The Purpose of Banks
  • Lesson 2: Types of Financial Institutions
  • Lesson 3: Your Bank Accounts
  • Lesson 4: Responsible Banking

Breaks down the purpose of insurance, explains how insurance works, shows how insurance protects a person’s assets, and highlights the eight basic types of insurance everyone needs to have in place. 

  • 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

Digs into a huge reality in life: If someone earns an income, they’re going to pay taxes. This chapter also breaks down the basics of different types of taxes—like sales, excise, and federal taxes—including how they impact a person’s income and spending. 

  • 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

Identifies the differences between renting and homeownership. Students will discover the financial costs related to having their own place to live, and they’ll learn what to do when they’re ready to buy a house.

  • Lesson 1: Living on Your Own
  • Lesson 2: Renting vs. Owning
  • Lesson 3: Renting 101
  • Lesson 4: Buying a House

Dives into the basics of preparing for retirement, investing for the future by understanding the stock market and mutual funds, and planning to live a life bursting with generosity. 

  • 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

Examines how the global economy impacts personal financial decisions and how different global economic systems influence decisions about goods and services that are used around the world. 

  • Lesson 1: Macroeconomics and Global Activity
  • Lesson 2: Economic Systems
  • Lesson 3: The U.S. Economy
  • Lesson 4: Thinking Globally

State and National 
Standards Correlations

The Foundations in Personal Finance curriculum meets or exceeds standards in all 50 states. The curriculum also meets all national standards for personal finance.

National Jump$tart
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Texas Proc '24
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

Frequently Asked Questions

Simply fill out the form above and our team will reach out. You can then request a quote and our team will provide you with one based on your class size and student needs.

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, a printed Teachers Guide is availabe for purchase.

Yes! Foundations in Personal Finance includes Spanish closed captions and transcriptions for all videos, downloadable student textbook PDFs, student activities and chapter assessments in PDFs, and parent resources. Our digital platform works with popular web browser plugins like Google Translate to help other non-English speaking students translate text and read content aloud in languages like Haitian, Haitian Creole, Portuguese and many more.

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

Foundations is designed as a semester-long course with stand-alone chapters. We provide you with flexible 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.

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 curriculum advisor at 615-843-9439.