January 11, 2019
Financial Friday: AFCPE

At the Association for Financial Counseling & Planning Education® (AFCPE®), we believe that all people – regardless of income or background […]

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Elementary School Curricula

Financial Education Curricula and Lesson Plans for Elementary School

Curricula at a Glance
This Directory of Financial Education for Youth contains information on more than 30 of the most popular financial education programs for young people from pre-school to college age. The lesson-by-lesson index helps users identify what topics are covered, the cost of the curriculum (many are free), and other available languages. Learn more…

Biz Wiz (from the Biz World Foundation)
In this hands-on, real-world experience for grades 3–8, students play the roles of analysts, controllers and traders to learn the basics of saving and investing. Working in teams, students set financial goals, analyze forecasts, create a diversified portfolio, track their investments, allocate assets and trade. Learn more…

Biz World (from the Biz World Foundation)
Biz World lets children form teams to create their own businesses, design and market products, and more using a hands-on, interdisciplinary curriculum for grades 3–8. Learn more…

Citi Financial Education Program (from Citi)
With four lessons each for grades K-2 and 3-5, this financial education program is available in both an interactive online version or instructor-led. All sessions include lesson plans as well as instructor materials. Also available in Spanish. Programs available in Chinese, Somali, Turkish, Dari and Portuguese.  Learn more…

Federal Reserve System Resources (from the nation’s 12 Federal Reserve Banks and Board of

All of the Federal Reserve System’s educational resources are compiled onto one website, and you can search by school level, type of material, topic, or keyword. All resources are free, and many can be ordered in print form. Learn more…

Feed the Pig for Tweens (from the American Institute of CPAs and the Ad Council)
Developed with input from a teacher advisory board through the National Council of Teachers of Mathematics, this unit for Grades 4-6 includes activity instructions, teaching tips, assessment rubrics, extension activities and hands-on tools that help children learn about the urgency of saving while building important math skills in a fun and engaging way. Learn more…

Financial Fitness for Life (from the Council for Economic Education)
The Financial Fitness for Life curriculum contains K–12 student activities, teacher and parent guides, a CD-ROM and a companion website. The materials, divided into four grade levels (K–2, 3–5, 6–8 and 9–12) and focused on a
fitness theme, can be purchased through the Council for Economic Education.  Learn more…

Junior Achievement (from Junior Achievement Inc.)
Junior Achievement provides volunteers from the business world and community at large to teach Junior Achievement curriculum in grades K–12, providing real-life experience with programs, including economics and business curricula, an after-school, student-led enterprise and a one-day workplace capstone experience. Programs are offered through six Junior Achievement offices in Pennsylvania. Locate one near you.

KidsEcon Songs (from the Indiana Council for Economic Education at Purdue University)
To help young students learn basic personal finance concepts, this website has songs such as “Oh, Give Me a Choice” (to the tune of “Home on the Range”), which teaches about opportunity cost, and “I’ve Got Money” (to the tune of “Are You Sleeping, Brother John”), which teaches about saving. Many songs are linked to KidsEcon posters, which have literature connections to popular children’s books along with teacher lesson plans.

Money Management International Educational Resources for Teachers
(from Money Management International)
These money lesson plans and resources are designed to provide educators in grades 3–6 with strategies for teaching personal finance education in the classroom. Lesson plans using popular children’s books such as “The Hundred Penny Box” prepare students to become more knowledgeable consumers, wise savers and investors,
responsible users of credit, and careful decision makers. Learn more…

Money Savvy Kids (from Money Savvy Generation)
This curriculum teaches kids the skills of basic personal finance while reinforcing their reading, math, science, art and music skills. It is fully scripted so lesson planning is simplified. In addition to the teacher handbooks and student workbooks, the materials include overhead transparencies, four songs on CD, a piggy bank, a pig puppet and a DVD. Materials must be used under a license agreement.  Learn more…

Money Smart for Elementary School Students (from FDIC)
The Federal Deposit Insurance Corporation has long offered financial education materials through its proven Money Smart Program. Originally a program solely for adults, it was expanded several years ago to be appropriate to teens. Now, there are Money Smart materials for elementary school students as well (specifically ages 8-11). All are available at no charge and include both student and instructor materials. Learn more…

My Classroom Economy (from Vanguard)
My Classroom Economy enables any educator to teach children financial responsibility through fun, experiential
learning. It’s a simple classroom economic system based on the idea that students need to earn school “dollars” so that they can rent their own desks. More advanced financial skills are introduced in the middle school and high school lessons and activities. Learn more…

Number Smarts (from Scholastic)
Students can learn the basics of money, decision-making and planning ahead by utilizing the tools found in this
math and social-science education program. Learn more…

Practical Money Skills for Life (from Visa)
This website features resources to help consumers manage their money through all stages of life including full classroom curriculum mapped to state standards, financial calculators, educational games and resources appropriate for preschoolers through college. Educators can download the lesson plans, order a free DVD or access the 9-12 grade course as a free iBook on iTunes. Learn more…

Reading Makes ¢ents (from 4-H)
Children’s literature creates the foundation for experiential activities to help kids learn more about earning, saving, sharing and spending. This online resource supplements the curriculum available for purchase Learn more…

Right on the Money (from Penn State Cooperative Extension and the Pennsylvania Office of Financial

This four-session program is designed for parents and their children ages 5-7. The program materials, available in English and Spanish, outline a family time at the beginning of each session along with separate lessons for parents and children. Storybooks are the basis for the family time and children’s lessons. The curriculum includes instructor materials, masters for participant materials, evaluation tools and an outreach toolkit. Learn more…

Stock Market Game (from the Foundation for Investor Education)
Starting with a virtual cash account of $100,000, students in grades 4 and up strive to create the best-performing stock portfolio using a live trading simulation. In building a portfolio, students research and evaluate stocks and
make decisions based on what they have learned. Teachers have successfully used the Stock Market Game program to enliven core academic subjects — including math, social studies, and language arts — and to teach the importance of saving and investing. Learn more…

Thrive by Five (from the Credit Union National Association)
Designed specifically for use with children ages 5 and under, this series of simple activities help young children learn how money works, what money can do and how a family uses money. The materials are available in both English and Spanish. Learn more…

Vault – Understanding Money™ (from EverFi)
This 2.5-hour curriculum is geared toward students in grades 4-6. It is an interactive platform that incorporates multiple evidence-based learning theories to increase students’ knowledge and build the foundation for making
good financial decisions at a young age. Learn more…

Wise Pockets (from the Center for Entrepreneurship and Economic Education at the University of
Missouri St. Louis)

The Wise Pockets World Schoolhouse provides lesson plans for use in grades 3–6 that teach personal finance concepts through the use of children’s books. The associated Wise Pockets World interactive website can be used by students or suggested to parents.