Personal Finance for Kids (ages 3 to 10)

The NFEC’s Personal Finance for Kids curriculum not only is fun and engaging; it also meets core educational standards.  Designed to motivate participants to take positive action, the lesson plans use practical, hands-on learning to let students reap the benefits of forming positive monetary habits at a young age.

From birth, children are inundated with messages from advertisers to “buy, buy, buy!”  A typical kid is exposed to more than one million advertisements by the time they reach age 21.  To counteract the conditioning to spend and give children good money management knowledge, teaching kids personal finance lessons becomes essential.

The National Financial Educators Council (NFEC) offers personal finance instruction for kids.  Their comprehensive training lays a foundation for building positive personal finance habits.  The NFEC combines project-based learning, hands-on activities, songs, rebus stories, and interactive lesson plans to teach personal finance in a fun, engaging format.

This page provides material for kids between 3 and 10 years old.  Those seeking to serve older youth should visit the financial literacy curriculum for high school, middle school, and college students.

Bottom line: Financial habits are formed early. We should begin teaching kids lessons about personal finances when they’re very young.  If we present kids with practical lessons in formats to which they can easily relate, we’ll establish an educational foundation that supports continued financial education training as they mature.


The NFECs’ Personal Finance for Kids Curriculum features:

Kids PageEngaging, Fun, and Interactive Lessons.  The NFEC’s financial literacy curriculum for kids features activities that engage students in the learning process.  Hands-on and project-based learning activities increase retention rates and make the process more enjoyable for kids and teachers alike. The lesson plans focus on creating the positive financial habits and relationships with money that will serve the students well as they mature.

Real World Lesson Plans that Meet Educational Standards.  The NFEC’s Personal Finance for Kids curriculum was designed to bridge the gap between practical application and theory-based education.  During these practical activities, students complete exercises that will improve their financial capabilities.

Age Ranges Served.  The material discussed on this page is age-appropriate for kids between 3 and 10 years old.  The financial literacy curriculum package comes with two levels of material.  Level 1 material is commonly used to teach kids from as early as pre-kindergarten to 2nd grade.  And Level 2 material applies to kids who have completed Level 1 material, and for older kids—grades 3-5.

Modular Design.  The lesson plans are designed in a modular format to accommodate a variety of schedules.  People have presented the material as a camp, afterschool program, in-class training, and various other delivery schedules.

Independent. The NFEC is an independent social enterprise organization and the sole purpose of this material is to improve participants’ financial capabilities. Other curricula on the market often indoctrinate children with company brand messaging, which may not serve our kids’ best interests.

Topics Covered.  The curriculum covers 10 personal finance topic areas: Budgeting, Credit/Debt, Financial Psychology, Skill Development, Income, Risk Management, Social Enterprise, Investments, and Long-Term Planning. Although these topics may sound advanced for kids, the hands-on format makes all the lessons fun for the whole class.

Design Team. The NFEC enlists the support of a highly-qualified Curriculum Advisory Board comprised of award-winning educators, financial professionals, specialists from a variety of financially-related fields, financial education experts and those with an expertise in Teaching Kids About Money. Together, the Curriculum Advisory Board reaches more than a million people globally with personal finance expertise that helps prepare people for the financial real world.


The NFECs’ Personal Finance for Kids program includes:

KMinority Family Pageids’ Personal Finance Curriculum Package
(Level 1 & 2 for ages 3 – 10).
  Receive a comprehensive financial education package with more than 40 engaging lessons and 10 project-based learning activities that lay the foundation for positive money management habits.  The package includes instructors’ guides, student guides, PowerPoint presentation, and instructor resources.

Pre- and post-testing material, quizzes, and surveys.  Testing allows you to quantify program success and address any areas where students may lack information.

Consultation.  The NFEC support team assists instructors to develop a custom program that fits into the allotted time.  The NFEC’s Certified Financial Education Professionals can help you choose the lesson plans that best fit your objectives, time requirements, and participant academic level.

Additional Bonuses.  Receive “The Money Adventures of Cash Cow and Pig E. Bank,” a rebus-style book and student guide ideal for fun, interactive story time.  The “Money Grows on Trees” guide for instructors and parents provides effective lessons to teach kids about money.  You also will receive “Family Money Talks,” a booklet that features the 10 most important personal finance talks that parents or educators must have to teach children about money.


Register Now

By now you understand that the NFEC’s Personal Finance for Kids curriculum offers a comprehensive turnkey solution to your financial education needs.

Current Certified Financial Education Instructor in good standing or those that are currently enrolled in the CFEI course may purchase this curriculum as a standalone product for $247.  Current Certified Financial Education Instructors – Contact Us to invest in this curriculum.


Become Certified and Receive the Curriculum Package

For those not enrolled in the Certified Financial Education Instructor program become a NFEC Certified Educators and receive the Curriculum Package.

The Certified Financial Education Instructor (CFEI) professional development course provides you with the knowledge, credibility, and confidence to teach money management lessons effectively.  Graduates of the Certification coursework take their place among the most qualified personal finance educators.

The Certified Financial Education Instructor coursework has been approved by the Certified Financial Planner Board of Standards for 4 hours of continuing education (CE) credits and is used by 2 of the top 10 colleges in the country. The CFEI training program has served numerous educators, nonprofits, credit unions, banks, financial advisors, and concerned citizens worldwide.

Graduates report feeling more confident when teaching kids about money and experience greater enjoyment in delivering the instruction.  Upon completion of the


The CFEI Coursework Includes:

Virtual Video Training. 12 hours of video training that improves your capabilities as a financial education instructor.

Course Manual. The manual will help you develop your own teaching style and personalize your presentations.

Certified Financial Education InstructorMultimedia Learning Center. Helps you understand personal finance topics.

Certification Award. A personalized Certification Award is mailed to you after you complete the testing.

Logo.  Add the CFEI logo on outreach material to boost your credibility as a financial educator.

Ongoing Training. Ensures that our CFEI instructors are up-to-date with the best practices in the industry.


Invest in the Curriculum Package and Certified Financial Education Instructor coursework now for $496.

Order Button

For check or PO payment, click here

 *To maintain your Certification an annual renewal of $97 is required starting the second year. Read the complete terms and conditions.   

The NFEC commends your desire to teach kids about money and feel free to chat live or contact us if you have any questions.


Personal Finance for Kids Article References

Leveraging Personal Finance for Kids

Kids Building Skill in Finance

Share This Article