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All you need to know, in one spot!☝🏼
🪴Are you interested in changing lives?
Great! We have the teaching and homework covered, just gather a group and open up meaningful discussions using lessons you have experienced in your own life.
Whether you order materials for everyone or students purchase individually, getting started is simple.
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Don’t worry if you are a little intimidated to teach a personal finance class, the pre-recorded lectures provide all of the actual financial teaching required. We look to you to enhance the class with stories of your own financial experiences. Real life stories of financial truths in action cement the lessons in the minds of the student.
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BEFORE PERSONAL FINANCE
Before Personal Finance includes 10 lessons designed for ages 8–13. Each lesson takes up to two hours to complete, but it’s flexible — the four parts (teaching, activity, budget preparation, and quiz) can easily be split into class and homework sessions to fit your schedule. There are no videos — just hands-on workbook lessons that make learning about money fun, engaging, and easy to understand.
BEYOND PERSONAL FINANCE
Beyond Personal Finance is designed to be taught in a one-hour class setting with a structure that looks something like this:
Play the icebreaker Kahoot! as people arrive and get settled. (10 mins)
Watch the instructional video. (20-30 mins)
Discuss the instructional video and homework assignment. (10 mins)
Do the budget activities (plot twists, baby game, etc) and discuss how students feel about their budget given the choices presented in the lesson. (10 mins)
If you have more time, consider working through the budget homework in class.
If you like the interactive feel of working through the budgets together but only have an hour, consider having your students watch the instructional video at home prior to class.
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Yes! When you purchase the Group Experience, you receive 425 days of access—that’s an extra 60 days beyond the standard membership—giving you plenty of time to plan, prepare, and get comfortable with the material before your group begins. This extended access is just one of the many perks of the Group Experience.
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Yes! For the tween product, simply use this link to make additional workbook purchase. For the teen program use this link and the coupon code given to you upon purchase of the group material to provide to anyone who joins your group.
If you have made a bulk purchase of either of our products and would like to purchase another set of student materials, please send us an email so that we may keep your pricing consistent.
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While the life lessons in this class are appropriate for all teens, there are some lessons that require computations that might be beyond a younger student's capability. Use THIS ASSESSMENT to determine if a student is ready for this class.
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Not at all! Both Before Personal Finance and Beyond Personal Finance are designed to be self-explanatory, but we know a little support can make a big difference. Our team is always available by email and strives to respond to all messages within 24 hours on weekdays, so you’re never on your own.
Also, when you purchase the Group Experience for Beyond Personal Finance, you’ll have an opportunity to attend on of our live Train the Teacher session, held monthly via Zoom, where we walk through best practices and answer common questions. You’ll also gain access to a private online community of group leaders—a dedicated portal filled with ongoing questions, comments, and ideas from other leaders, organized by topic and moderated by our team so you can easily find and interact with what’s most relevant to you. This exclusive community is one of the perks of the Group Experience.
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Absolutely! You can find the full Scope and Sequence for Beyond Personal Finance at the end of this page 👇🏼. It outlines every lesson, topic, and skill your student will cover over the 20-lesson semester—so you’ll know exactly how the course progresses and how each concept builds on the last.
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Beyond Personal Finance Teen (Ages 13+) Curriculum Scope & Sequence
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Beyond Personal Finance Teen (Ages 13+) Curriculum Scope & Sequence 🗒️
Want to teach a teen group, but don’t meet 20 times?
No Problem! Find examples of alternative class meeting options 👉🏼
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Beyond Personal Finance includes 20 lessons, each representing a year in your student’s simulated life—with new decisions, expenses, and financial outcomes every step of the way. Because each budget builds on the one before it, it’s essential not to skip any lessons. Skipping a lesson means skipping a year of earnings, spending, and saving—and your students will miss the chance to build their financial nest egg.
The curriculum is designed for a one-hour class session, but can easily flex to fit different schedules. Here’s a typical class flow:
Suggested One-Hour Structure
Play the icebreaker Kahoot! as students arrive (10 min)
Watch the instructional video (20–30 min)
Discuss the video takeaways and homework (10 min)
Complete the budget activities (Plot Twists, Baby Game, etc.) and discuss how those choices affect their budgets (10 min)
If your class time is longer, consider working through the budget homework together in class.
If your class time is shorter or you meet less than 20 times, have students watch the instructional video at home before class so your time together can focus on discussion and the interactive budgeting activities.
The most important goal is consistency. As long as you cover all 20 lessons in order, your students will experience the full impact of “living” their financial future one year at a time.
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1. Lesson 1
2. Lesson 2
3. Lesson 3
4. Lesson 4 Assign Lesson 5 for completion at home.
5. Lesson 6
6. Lesson 7
7. Lesson 8
8. Lesson 9
9. Lesson 10 Assign Lessons 11 & 12 for completion at home.
10. Lesson 13
11. Lesson 14
12. Lesson 15
13. Lesson 16
14. Lesson 17
15. Lesson 18 Assign Lesson 19 for completion at home.
16. Lesson 20
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1. Lesson 1 (part 1) Introduce the format, begin teaching Lesson 1. Ask students to do the research on colleges at home with their parents to determine how much of the educational costs the student can expect to pay him/herself.
2. Lesson 1 (part 2) Continue with the discussion on which college (if any) they chose and why. Then you can shift gears and have them do the interest assessment (via computer) in class and choose their career. Introduce the Career Research Project and give them a deadline for a few weeks, presentations can be scheduled as time allows.
3. Lesson 2 This material can be done in one lesson. Open the discussion on budgeting and have the students complete their budget using the choices and forms from the portal (electronic or paper).
4. Lesson 3 Review the budgets and talk about what they learned from doing the first one. Have them share the choices they made and how that ties to their values (why they spent money in one area and not another). Then begin the lesson on purchasing a car, this should go fast and allow them time to choose a car and complete the budget as well.
5. Lesson 4 Review the budgets and talk about what they learned and the pros and cons of the choice they made. Open the discussion on apartments and have them choose an apartment in class (from the book or online research) and build their budget using the changes the new choice will bring.
6. Lesson 5 Review the budgets and talk about what they learned and the pros and cons of the choice they made. Do a Kahoot or other game to get ready for the test. Have them choose their pet in class. Have them take the test in class and do their budget based on the pet they chose.
7. Lesson 6 Go over raises and why some got more than others and how that correlates to the real world. Review budgets and lessons learned. Open the discussion on credit cards as well as have the students make their spouse choice and complete the budget in class.
8. Lesson 7 (part 1) Go over the budgets from Lesson 6 and review lessons learned as well as talk about their expectations for the spouse they chose. Open the discussion on interest and complete the calculations in class.
9. Lesson 7 (part 2) Continue with in class work on interest calculations as well as help the students with the process of marrying budgets.
10. Lesson 8 Open the discussion on paycheck and complete the calculations in class. Talk through what happens when a mistake is made and how it is on them to look. Students will have a baby in this lesson and that will turn their budgets upside down. Lots of fun here!
11. Lesson 9 (part 1) Talk about the impact babies had to the budget and what has been learned. Tie this into how their parents feel about paying all that money for them. Introduce the concept of buying a house.
12. Lesson 9 (part 2) Have them choose a house in class (from the book or online research) and build their budget using the changes the new choice will bring.
13. Lesson 10 Review budgets now to see how tight people are living with a child and a house. Talk about how true this is for adults. Open the discussion on insurance. They will complete their budget work and choose their furniture in this lesson also.
14. Lesson 11 This is a test review, have some fun with the vocabulary terms with Kahoot or something similar. Have the students calculate their insurance event using their newfound knowledge and complete the budget given the cost of that event.
15. Lesson 12 The test will likely take most of the time, but then you can discuss the effects on their budget now that one spouse has left the workforce. Have a discussion on the values of that decision and the pros and cons.
16. Lesson 13 This will only be one class and it will cover the importance of giving and have them quantify what they have given so far and research who they would give that money to in real life.
17. Lesson 14 (part 1) This is everyone’s favorite lesson as it deals with investing. There is much to be said on this topic beyond what I have covered so you should have some time to fill in with other resources from the portal or your own information.
18. Lesson 14 (part 2) Go over the investment choices and help them determine which choice they will make and create a budget given that choice.
19. Lesson 15 Review budgets from last lesson. Introduce the topic of business as well as work on their budget using the new school choice they make.
20. Lesson 16 Work through the material on reconciliations. Go through the layoff exercise and help the students complete their budgets based on the results. Lots of fun to be had here!
21. Lesson 17 (part 1) This is the income tax lesson that is always hard for some students. Take it slow and don’t worry if some don’t get it, they have plenty of time for their brains to develop before they really need to know this stuff.
22. Lesson 17 (part 2) Finish up taxes if needed and have them choose and budget for a new minivan.
23. Lesson 18 This is a review class as well as a time to discuss the emotional and financial impact of divorce. This is a sensitive topic, but like the other topics I feel it is more impactful for them to see what happens to their own budget rather than just saying “don’t do it”. No student actually gets divorced, but it helps them understand the impact when they do the calculations themselves.
24. Lesson 19 This is a test that will likely take the whole class, but the choice is so quick and easy you can do both in one class period.
25. Lesson 20 (part 1) Talk through raises and budgets to see where everyone stands at this point. Open the discussion to the topic of retirement and why it matters earlier than they think.
26. Lesson 20 (part 2) Final budget to see where everyone landed. This class is a lot of fun as they answer the “did you make it?” question.
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1. Lesson 1 (part 1) Introduce the format, begin teaching Lesson 1. Ask students to do the research on colleges at home with their parents to determine how much of the educational costs the student can expect to pay him/herself.
2. Lesson 1 (part 2) Continue with the discussion on which college (if any) they chose and why. Then you can shift gears and have them do the interest assessment (via computer) in class and choose their career. Introduce the Career Research Project and give them a deadline for a few weeks, presentations can be scheduled as time allows.
3. Lesson 2 This material can be done in one lesson. Open the discussion on budgeting and have the students complete their budget using the choices and forms from the portal (electronic or paper).
4. Lesson 3 Review the budgets and talk about what they learned from doing the first one. Have them share the choices they made and how that ties to their values (why they spent money in one area and not another). Then begin the lesson on purchasing a car, this should go fast and allow them time to choose a car and complete the budget as well.
5. Lesson 4 Review the budgets and talk about what they learned and the pros and cons of the choice they made. Open the discussion on apartments and have them choose an apartment in class (from the book or online research) and build their budget using the changes the new choice will bring.
6. Lesson 5 Review the budgets and talk about what they learned and the pros and cons of the choice they made. Do a Kahoot or other game to get ready for the test. Have them choose their pet in class. Have them take the test in class and do their budget based on the pet they chose.
7. Lesson 6 Go over raises and why some got more than others and how that correlates to the real world. Review budgets and lessons learned. Open the discussion on credit cards as well as have the students make their spouse choice and complete the budget in class.
8. Lesson 7 (part 1) Go over the budgets from Lesson 6 and review lessons learned as well as talk about their expectations for the spouse they chose. Open the discussion on interest and complete the calculations in class.
9. Lesson 7 (part 2) Continue with in class work on interest calculations as well as help the students with the process of marrying budgets.
10. Lesson 8 (part 1) Lots to discuss here about the financial impact of getting married. Can they see now how important it is not to choose someone just based on what they can see? Open the discussion on paycheck and complete the calculations in class. Ask students to bring in their own paycheck stub to the next class, if they have one
11. Lesson 8 (part 2) Continue with in class work on calculating a paycheck. Use the real paystubs form students to talk about how this lines up with the calculations they have already done. Talk through what happens when a mistake is made and how it is on them to look. Students will have a baby in this lesson and that will turn their budgets upside down. Lots of fun here!
12. Lesson 9 (part 1) Talk about the impact babies had to the budget and what has been learned. Tie this into how their parents feel about paying all that money for them. Introduce the concept of buying a house.
13. Lesson 9 (part 2) Have them choose a house in class (from the book or online research) and build their budget using the changes the new choice will bring.
14. Lesson 10 Review budgets now to see how tight people are living with a child and a house. Talk about how true this is for adults. Open the discussion on insurance. They will complete their budget work and choose their furniture in this lesson also.
15. Lesson 11 This is a test review, have some fun with the vocabulary terms with Kahoot or something similar. Have the students calculate their insurance event using their newfound knowledge and complete the budget given the cost of that event.
16. Lesson 12 (part 1) The test will likely take the whole time, but if Lesson 11 ran long you could also finish that up in this class.
17. Lesson 12 (part 2) Have them complete the budget now that one spouse has left the workforce. Have a discussion on the values of that decision and the pros and cons. Should be a super rich discussion for them as one parent has likely taken a financial step back to be the primary educator.
18. Lesson 13 This will only be one class and it will cover the importance of giving and have them quantify what they have given so far and research who they would give that money to in real life.
19. Lesson 14 (part 1) This is everyone’s favorite lesson as it deals with investing. There is much to be said on this topic beyond what I have covered so you should have some time to fill in with other resources from the portal or your own information.
20. Lesson 14 (part 2) Go over the investment choices and help them determine which choice they will make and create a budget given that choice.
21. Lesson 15 Review budgets from last lesson. Introduce the topic of business as well as work on their budget using the new school choice they make.
22. Lesson 16 Work through the material on reconciliations. Go through the layoff exercise and help the students complete their budgets based on the results. Lots of fun to be had here!
23. Lesson 17 (part 1) This is the income tax lesson that is always hard for some students. Take it slow and don’t worry if some don’t get it, they have plenty of time for their brains to develop before they really need to know this stuff.
24. Lesson 17 (part 2) Finish up taxes if needed and have them choose and budget for a new minivan.
25. Lesson 18 This is a review class as well as a time to discuss the emotional and financial impact of divorce. This is a sensitive topic, but like the other topics I feel it is more impactful for them to see what happens to their own budget rather than just saying “don’t do it”. No student actually gets divorced, but it helps them understand the impact when they do the calculations themselves.
26. Lesson 19 This is a test that will likely take the whole class, but the choice is so quick and easy you can do both in one class period.
27. Lesson 20 (part 1) Talk through raises and budgets to see where everyone stands at this point. Open the discussion to the topic of retirement and why it matters earlier than they think.
28. Lesson 20 (part 2) Final budget to see where everyone landed. This class is a lot of fun as they answer the “did you make it?” question.