Financial Literacy-Personal Finance Curriculum Resources.xlsx

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1	Source	URL	Description	Resources	Curriculum Topics
2	Banzai	banzai.org	Banzai financial literacy courses are online, interactive simulations that engage and challenge students as they learn about finances. Best of all? It's free!	Free curriculum for Banzai Junior (Elementary, Ages 8-12); Banzai Teen (Middle & High School, Ages 13-18); Banzai Plus (High School, Ages 16+); Digital Citizenship (Ages 9-15); and Cost of College (High School, Ages 15-18). The Banzai Library is packed with articles, calculators, and innovative Coach sessions all designed to help students master financial literacy topics.	Borrowing Budgeting Building Credit Setting Goals Spending Cost of College Paying for College Scholarships College Alternatives
3	Budget Challenge	budgetchallenge.com	Budget Challenge is the most advanced and comprehensive program available. We deliver the most realistic educational experience and are proudly creating the next generation of financial capable young adults.	Access to the Budget Challenge and Budget Challenge+Investing learn-by-doing 10-week budgeting and stock market simulation. A 17-chapter companion textbook is also available.	Budget Challenge+Investing: Emergency Fund, Credit Management, Debt Reduction, Retirement Savings, Credit Health, Perfect Pay, Fully Invested, Strategic Investor, and Fee Management Personal Finance Textbook: Keys to Financial Success; Playing Budget Challenge; Employment; Banking; Loans and Credit Cards; Savings and Investing; Investing for Retirement; Purchasing and Consumer Protection; Buying or Leasing a Vehicle; Housing; Insurance and Managing Risk: Motor Vehicle and Property; Insurance and Managing Risk: Health, Life and Disability; Building and Managing Credit; Data Security; Taxes; The Next Steps; and Paying for College.
4	EconEdLink	econedlink.org	Sponsored by the Council on Economic Education, EconEdLink provides K-12 economics and personal finance resources, high-quality lesson plans, videos, assessments, activities, professional development webinars, and more for educators.	Materials are organized by grade band--K-2, 3-5, 6-8, 9-12, Higher Education--and can be searched by concept, resource type, subject, instructional strategy, and applicable standards.
5	Empowered	empoweredhub.org	Empowered’s growing community of teachers offers experiential activities, training opportunities, and powerful instructional strategies for teaching entrepreneurship, financial literacy, and business management and decision making. Empowered teachers share a way of teaching that uses individualized, immersive, experience-based activities to leverage principles in market-like settings that help students develop a growth mindset and ensures more of them leave school with the skills and confidence they need to create and seize the opportunities in their lives.	Empowered offers any educator FREE access to tools for their classrooms, resources for long, happy, impactful careers, and a supportive community of change-making teachers. Guides available for Yearlong, Semester, and Nine-Week courses.	Activity Library Business & Entrepreneurship Core Getting Started with the Foundational Principles Bell Ringers, Closures, and Brain Breaks Design Thinking Economics Marketing Business Finance Career and Life Skills Team Building
6	EVERFI	https://everfi.com/k-12/	Via their digital course platform, EVERFI provide curriculum to enhance current classroom instruction. Originally focused on financial education, EVERFI’s curriculum offerings have expanded into Career Readiness, Health and Wellness, and Social Emotional Learning courses. A number of Montana Business Educators use the EVERFI courses as supplemental activities in the Personal Finance courses. Additionally, Montana has a dedicated representative to help with setting up teacher and student accounts and to provide support and technical assistance.	Free K-12 curriculum, digital lessons, professional development, webinars, and scholarships and contests for students. Courses available for Financial Education; Digital Literacy & Wellness; Social Emotional Learning; Health & Wellness; College & Career Readiness; Diversity, Equity, & Inclusion	Financial Literacy for High School Students Course: Banking Basics, Income and Employment, Budgeting, Consumer Skills, Managing Credit and Debt, Financing Higher Education, Insurance Additional Topics: Build: Credit Fundamentals; Money Moves: Modern Banking & Identity Protection®; Venture – Entrepreneurial Expedition; Marketplaces – High School Investment Education; EVERFI Pathways: Financing Higher Education; Data Science in High School; Grow: Financial Planning for Life
7	How The Market Works	howthemarketworks.com	Free stock market game with real-time trading and built-in lessons, curriculum, and assessments. Create a custom stock game for your class, club, or friends and learn to invest.	Teacher resources include articles for personal finance, economics, and investing. Lesson plans are available focusing on Investing, Savings, Budgeting, Economics and Taxation, and Math.
8	InCharge: Free Financial Literacy Resources for Teachers	incharge.org/financial-literacy/resources-for-teachers	A library of free personal finance education resources for teachers including lesson plans and workbooks. Covers K-5, Middle, High School, and College.	Teacher's guide and students guide for four (4) lessons to introduce early financial literacy concepts in grades K-2 and for four (4) lessons for grades 3-6 in financial literacy. The high school curriculum consists of fourteen lesson plans & worksheets designed to augment a semester course in life skills and personal finance management. the college level course includes teacher’s guides and presentation materials from the Practical Money Skills Library.	High School Curriculum-- Lesson One: Making Personal Finance Decisions Lesson Two: Making Money Lesson Three: The Art of Budgeting Lesson Four: Living on Your Own Lesson Five: Buying a Home Lesson Six: Banking Services Lesson Seven: Credit Lesson Eight: Credit Cards Lesson Nine: Cars and Loans Lesson Ten: The Influence of Advertising Lesson Eleven: Consumer Awareness Lesson Twelve: Saving and Investing Lesson Thirteen: In Trouble Lesson Fourteen: Consumer Privacy
9	Jump$tart Coalition	jumpstart.org	Jump$tart is a national organization supporting financial education Curriculum providers Take Charge Today, Next Gen Personal Finance (NGPF), and EVERFI are also supporting members of the Jump$tart Coalition. Jump$tart hosts a clearinghouse on the website to find financial education resources. Jump$tart hosts a yearly National Educator Conference and works with sponsors to provide scholarships so teachers can participate at no or little cost.	National Standards for Personal Finance Education National Educator Conference Free Online Professional Development Clearinghouse of Financial Education Resources
10	MCIS Resources	lmi.mt.gov/Career/MCISResources	The MCIS Resources page of the Montana Career Lab also contains a lot of resources which can be used with MCIS. A couple of items on the MICS Resources page are a curriculum guide and lesson plans for using MCIS within a Career & Technical Education-related course as well as one for a Financial Literacy course.	Free resources include videos, publications, webinars, and promotional materials.
11	Money Instructor	moneyinstructor.com	Money Instructor is the leading source of personal finance, investing, and business education, and includes lesson plans, worksheets, and interactive activities.	Activities articles, lesson plans, articles, videos, and worksheets for grades K-12. Topics include money basics including counting money, recognition, and other practical elementary money skills; personal finance; money management; job and career skills; business skills; economic fundamentals; and everyday real world life skills.	Counting Money Basic Money Skills Earning and Spending Money Math Saving and Investing Business and Careers
12	Montana Career Information System	portal.mtcis.intocareers.org	Montana’s free, web-based career guidance system. Each school has an account which can be used to setup student accounts and track progress. MCIS can be used to enhance a career exploration/career development unit of a Personal Finance course. Students can complete interest and personality inventories, search careers and colleges, and find scholarships to support continued learning.	MCIS contains curriculum, resources, and tools to help facilitate classroom instruction and student learning. Additional resources can be found on the Montana Career Lab website.
13	Montana Career Lab	lmi.mt.gov/Career	MCIS is hosted by the Montana Department of Labor and Industry and the have full site dedicated to career development/career education called the Montana Career Lab. The Montana Career Lab contains resources for students, teachers, and job seekers of all ages.	Free resources for K-12 students, teachers, and parents for career education, career exploration, and career development. Resources can be used with MCIS or as stand-alone activities.
14	Montana Council on Economic Education	econedmontana.org	The Montana Council on Economic Education (MCEE) provides programming and professional development to improve economic and financial literacy for Montana’s youth. MCEE offers classroom simulations, student competitions, and teacher training.	Programming includes Big Sky Biz Sim, The Stock Market Game, Montana Economics Challenge, Montana Personal Finance Challenge, and the MCEE Summer Teacher Economics Summit. Includes links to EconEdLink website with economics and personal finance resources for grades K-12.	Teachers have access to the 18 Electronic Learning Modules. Topics include Scarcity, Opportunity Costs, Exchange and Trade, Comparative Advantage, Incentives Matter, Prices, Supply, Consumer Choice & Demand, Market Equilibrium, The Minimum Wage, China and Montana, Gas Prices, Property Rights, Externalities, The Economics of Poverty, Business Economy, Rubbish or Resource, Ethanol & Petroleum.
15	Montana Financial Education Coalition	mtmfec.org	On the state level, the Montana Financial Education Coalition serves as the state affiliate for Jump$tart. MFEC hosts a one-day state conference every-other year in Helena, usually the end of February in Helena.	Teacher Scholarships for Jump$tart National Educator Conference Mini Grants Program State Financial Education Conference Teacher Recognition Program
16	Next Gen Personal Finance	ngpf.org	Everything you need for your personal finance class - absolutely Free. Whether you're looking for a full course or a quick bell ringer to kick off class, NGPF has the resources for you. Choose from a wide selection of customizable, ready-to-use courses, lessons, and activities to teach personal finance at both the high school and middle school levels.	Curriculum for 9-week, semester, & full year high school courses Curriculum for a 9-week middle school course Free, online professional development NGPF Academy and Certification Courses Mini-grants for Nearpod subscriptions	Checking Saving Types of Credit Managing Credit Paying for College Budgeting investing Behavioral Economic Career Taxes Insurance Consumer Skills Mini Units (Finding Work During High School, Money and Me, Alternatives to 4-Year Colleges, Entrepreneurship, Philanthropy, Ethics, Racial Discrimination in Finance, Cryptocurrency) Financial Algebra Economics Collection (Scarcity, Decision Making, Incentives, Trade, Markets and Prices, Role of Prices, Competition and Market Structure, Money and Inflation, Income)
17	Practical Money Skills	practicalmoneyskills.com	Find resources on health, safety, education and banking to help protect your health and finances. Site includes free lesson materials and games for teaching financial education from Visa.	Pre-K–Grade 2: Four lessons with activities for the very young include simple but important lessons like recognizing different coins and understanding what they're worth. Grades 3+D20–6: As children get older, they can start to learn about more complex financial topics like saving money, comparison shopping and managing their allowance with four lessons. Grades 7–8: Junior high school students can prepare for the real world with these activities. the 14 lessons include making financial decisions and credit card basics. Grades 9–12: High schoolers learn about relevant financial skills like managing salary, buying a car and avoiding debt through 22 lessons. Additional lessons available for College level instruction as well as 10 important financial lessons for special needs students. Educators can customize lesson plans to best fit their students' needs and learning styles.	Grades 9-12 Curriculum-- Money Matters: Why It Pays to Be Financially Responsible Dream Big: Money and Goals Road Rules: Researching and Buying a Car The Cost of College: Financing Your Education A Perfect Fit: Finding the Right Career for You Keeping Score: Why Credit Matters Privacy Please: Protecting Your Identity Making it Work Together: Money and Roommates A Plan for the Future: Making a Budget Make It Happen: Saving for a Rainy Day Savvy Spending: Sharpening Money Decisions Bank or Bust: Selecting a Banking Partner Nothing But Net: Understanding Your Take Home Pay Using Credit Wisely The Danger of Debt: Avoiding Financial Pitfalls Home Sweet Home: Purchasing a Place Smooth Sailing: Exploring Insurance and Estate Planning A Way to Wealth: Understanding Interest and Investments Financial Forces: Understanding Taxes and Inflation The Tools to Build Your Financial Dream Buy, Sell or Hold?: An Overview of Investing Kindness Counts: Understanding Charitable Giving
18	PwC Access Your Potential® Financial Literacy Curriculum	pwc.com/us/en/about-us/corporate-responsibility/access-your-potential/tech-financial-literacy-curriculum.html	PwC financial literacy curriculum has a series of one hour lesson plans with videos and worksheets for each lesson. Lessons are available for elementary, middle school, and high school levels. The lesson plans are easy to follow and are accompanied by engaging activities.	Lesson plans, videos, and worksheets for elementary (seven lessons), middle school (nine lessons), and high school (nine lessons).
19	Reach Higher Montana	reachhighermontana.org	Reach Higher Montana shares information, resources, and scholarships to help students and their parents plan for their futures and prepare for life after high school.	Students can use Reach Higher Montana to access information regarding Plan Your Future, Find Your Career Path, Explore Your Education Options, Pay for School. Reach Higher Montana also offers FAFSA support, contests and scholarships for students, and scholarships for teachers wanting to teach dual enrollment courses.
20	Take Charge Today	takechargetoday.arizona.edu	A full personal finance/financial literacy curriculum for grades 7-12. The Introductory curriculum is designed for grades 7-9 but can be good to introduce some basic concepts and lessons have some good activities for grades 9-12. The curriculum also includes the Intuit simulations for Mint and TurboTax. Site also includes a recommended listing of units and lessons for a semester course using the Advanced Level Course materials.	Free curriculum for Introductory Level (7-9) and Advanced Level (10-12) Active Learning Tools for grades 7-12 Intuit Simulations for Mint and TurboTax Professional Development Opportunities, Webinars, & Videos Support from team of Master Educators	Take Charge of Your Financial Well-Being Saving and Investing Spending and Borrowing Managing Your Money Earning Distribution of Wealth Receiving
21	TD Bank WOW! Zone--Financial Education Lessons for K-12 Students	td.com/us/en/personal-banking/wowzone	The TD Bank WOW! Zone offers financial education lesson plans for K-12 students, learn about money management, credit and investing with the TD Virtual Stock Market Simulation game.	Download free money management lesson plans that include an age-appropriate activity for your classroom. Resources are available for grades K-1 (one introductory lesson), 2-3 (three lessons), 4-5 (10 lessons), 6-8 (six lessons), and 9-12 (nine lessons). Additional resources include Junior Banker Store Hours, TD Virtual Stock Market Simulation, and the mobile-friendly interactive financial education guides from TD and Everfi.	Financial lesson plans for grades 9–12 Checking Accounts and Alternative Banking Methods How to Balance a Checkbook Planning a Budget Saving for a Special Purpose with a Budget Plan Building and Retaining Good Credit TD Virtual Stock Market Simulation Car Insurance: Why it's Important and What You Need to Know Got a job? What You Need to Know about Income Taxes How to Identity and Prevent Theft and Phishing Scams
22	Understanding Taxes	apps.irs.gov/app/understandingTaxes	For Educators, every Understanding Taxes lesson includes the correlations to national and state educational standards. Each lesson plan includes a link to the applicable national and state standards, making it simple to integrate Understanding Taxes into your existing classroom curricula. Understanding Taxes is to be considered an instructional site for teaching purposes only. The information is based on 2014 tax law.	Access all the great educational content found in the Understanding Taxes program. The online version includes detailed lesson plans, interactive activities, simulations, and more. For Educators, every Understanding Taxes lesson includes the correlations to national and state educational standards. Each lesson plan includes a link to the applicable national and state standards, making it simple to integrate Understanding Taxes into your existing classroom curricula.
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