Built for Today's Financial Reality

Students are preparing for a world shaped by rising costs, financial pressure, and important money decisions. This course helps students build understanding and practical preparation for the realities they are likely to encounter.

Practical Skills for Real Life

Students explore real-world topics such as budgeting, banking, income, taxes, credit, investing, and decision-making — practical knowledge designed to extend beyond the classroom. Examples are geared towards high school aged students.

Structured for Future Readiness

Designed for grades 10–12, this course combines practical, age-appropriate learning with alignment to national personal finance education standards to help students build confidence and much-needed financial understanding.

About the course

Students are entering a world where financial decisions matter more than ever. The cost of living has risen, financial pressures are real, and many young adults are expected to navigate money, work, debt, spending, and major life decisions with little practical preparation. 10–12th Grade Personal Finance Essentials was designed to help address that reality. This course helps students understand how money works, how financial decisions shape opportunities and outcomes, and what important topics they are likely to encounter in the real world — from budgeting, banking, income, taxes, and credit to investing, decision-making, and financial planning. Because these challenges are not waiting until later adulthood, students benefit from developing practical understanding, confidence, and real-world financial skills before they are expected to navigate them on their own.

Nadav Reis

With a background as a financial planner and portfolio manager, I’ve worked professionally in investing, financial decision-making, and long-term planning. I know firsthand how powerful financial decisions can be — how wise choices can create stability, opportunity, and peace of mind, while poor choices can have lasting consequences for families.  For years, I’ve created personal finance education content to help people better understand money and develop a healthier, more confident relationship with it. The real differentiator between those that succeed and those that don't is education. I feel a sense of duty to take the skills that I have learned and teach the next generation. They are the future, and the only way they can be successful is with proper education. 

We all agree understanding money is important. Where do we learn about it?  Right here.

According to Stanford University, on the P-Fin Index, Gen Z respondents answered only 38% of financial literacy questions correctly. That was the lowest score for all generations, below Millennials (46%), Gen X (51%), and Boomers (55%). See the trend? We can stop it. Studies have shown that financial education is a cost-effective intervention that improves financial behaviors and outcomes, including budgeting and saving. (Kaiser et al. 2022).   We've got a lot more than that. 

Curriculum

20 Chapters · 130 Lessons

  1. 1

    Introduction

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      Welcome! Read this first.

    2. (Included in full purchase)

      Pre-Course Assessment

  2. 2

    Unit 01 - Why Learning About Money Matters

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      Money Basics

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      Unit 01 Summary

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      Unit 01 Workbook

  3. 3

    UNIT 02 — What Is Money?

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      02.1 What is Money?

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      02.2 Different Kinds of Money

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      02.3 Where Do People Get Money From?

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      Unit 02 Summary

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      Unit 02 Workbook

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      Unit 02 Quiz

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      Unit 02 Quiz

  4. 4

    UNIT 03 — Saving

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      03.1 Why Do People Save Money?

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      03.2 How Saving Protects You

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      03.3 Where Should You Keep Your Savings?

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      03.4 Saving is a Trade-off

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      03.5 The Magic of Starting Early

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      Unit 03 Summary

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      Unit 03 Workbook

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      Unit 03 Quiz

  5. 5

    UNIT 04 — Banking

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      04.1 Why Do People Use Banks?

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      04.2 Different Types Of Bank Accounts

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      04.3 Debit Cards And Online/Mobile Banking

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      04.4 Why Banking Matters

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      Unit 04 Summary

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      Unit 04 Workbook

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      Unit 04 Quiz

  6. 6

    UNIT 05 — Budgeting & Spending Basics

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      05.1 What a Budget Really Is

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      05.2 Needs Vs Wants

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      05.3 Tracking Spending

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      05.4 Improving Our Budget

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      05.5 Avoiding Overspending & Impulse Buys

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      Unit 05 Summary

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      Unit 05 Workbook

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      Unit 05 Quiz

  7. 7

    UNIT 06 — Income, Skills, & Creating Value

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      06.1 Different Types Of Income

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      06.2 Creating Value By Solving Problems

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      06.3 Education & Training Make a Difference

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      06.4 Income & The Life You Want

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      Unit 06 Summary

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      Unit 06 Workbook

  8. 8

    UNIT 07 — How to Read a Pay Stub

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      07.1 What Is A Pay Stub?

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      07.2 A Simple Pay Stub Example

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      Unit 07 Summary

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      Unit 07 Workbook

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      Unit 07 Quiz

  9. 9

    UNIT 08 — Understanding Taxes

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      08.1 What Are Taxes & Why Do We Pay Them?

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      08.2 Types of Taxes You Should Know

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      08.3 What Happens If Someone Doesn't Pay Taxes?

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      08.4 Why Learning About Taxes Matters Now

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      Unit 08 Summary

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      Unit 08 Workbook

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      Unit 08 Quiz

  10. 10

    UNIT 09 — Investing Foundations

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      09.1 Why People Invest

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      09.2 Simple vs Compound Interest

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      09.3 Stocks, Bonds, and Funds (Basic Definitions)

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      09.4 Investment Risk vs Reward Overview

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      09.5 Long-Term Mindset

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      Unit 09 Summary

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      Unit 09 Workbook

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      Unit 09 Quiz

  11. 11

    UNIT 10 — Insurance & Risk Management

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      10.1 What is Risk?

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      10.2 What is Insurance?

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      10.3 Common Types of Insurance

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      10.4 Premiums, Deductibles, and Coverage

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      10.5 Insurance as a Financial Tradeoff

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      10.6 How Insurance Reduces Risk

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      Unit 10 Summary

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      Unit 10 Workbook

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      Unit 10 Quiz

  12. 12

    UNIT 11 — Understanding Compound Growth (Advanced)

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      11.2 Long-Term Growth & The Power of Time

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      11.4 Inflation & Real Investment Returns

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      Unit 11 Summary

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      Unit 11 Workbook

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      Unit 11 Quiz

  13. 13

    UNIT 12 — Advanced Investing

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      12.1 Stocks, Bonds & Funds: A Deeper Look

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      12.2 Index Funds & ETFs: Smart, Simple Investing

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      12.3 Portfolio Mix & Diversification

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      12.4 The Long-Term Investing Mindset

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      Unit 12 Summary

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      Unit 12 Workbook

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      Unit 12 Quiz

  14. 14

    UNIT 13 — Entrepreneurship

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      13.1 What is a Business?

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      13.2 Revenue, Expenses & Profit

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      13.3 Business Risk & Adaptation

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      13.4 Customer Service is Important

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      Unit 13 Summary

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      Unit 13 Workbook

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      Unit 13 Quiz

  15. 15

    UNIT 14 — Consumer Skills & Smart Buying (Advanced)

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      14.1 Comparison Shopping: Don’t Buy the First Thing You See

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      14.2 Recognizing Scams & “Too Good to Be True” Deals

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      14.3 Return Policies, Warranties & Receipts

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      Unit 14 Summary

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      Unit 14 Workbook

  16. 16

    UNIT 15 — Job Trends & The Future of Work

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      15.1 Jobs Are Always Changing

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      15.2 AI Revolution: What It Means for Future Jobs

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      15.3 College? Think Before You Borrow

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      15.4 Skills for the Future

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      Unit 15 Summary

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      Unit 15 Workbook

  17. 17

    UNIT 16 — Cost of College & Financial Aid

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      16.1 What College Really Costs

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      16.2 How College Costs Vary

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      16.3 Scholarships & Grants

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      16.4 Work-Study

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      16.5 Student Loans

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      16.6 FAFSA Basics

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      16.7 Comparing College Options

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      16.8 Avoiding Common College Cost Mistakes

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      Unit 16 Summary

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      Unit 16 Workbook

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      Unit 16 Quiz

  18. 18

    UNIT 17 — Credit & Borrowing (Advanced)

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      17.1 What Is Credit?

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      17.2 Why People Borrow

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      17.3 Interest, Fees & APR

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      17.4 Credit Scores & Credit Reports

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      17.5 Consequences of Not Repaying Debt

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      17.6 Understanding Loans & Amortization

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      Unit 17 Summary

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      Unit 17 Workbook

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      Unit 17 Quiz

  19. 19

    UNIT 18 — Digital Safety & Privacy (Advanced)

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      18.1 Protecting Personal Information

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      18.2 Keeping Online Accounts Safe

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      18.3 Identity Theft Risks

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      18.4 What Is a Phishing Scam?

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      18.5 Online Shopping Scams: How to Not Get Burned

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      18.6 Social Media Privacy: Think Before You Post

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      Unit 18 Summary

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      Unit 18 Workbook

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      Unit 18 Quiz

  20. 20

    Final

    1. (Included in full purchase)

      Post-Course Assessment

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