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.

Personal Finance for Kids

Curriculum & Presentations – All Ages

The NFEC offers engaging, fun and interactive curriculum for all ages – kids, teens, and adults. Over 400 hours of presentation material accommodates a variety of educational goals and formats.

Customized & Private-labeled Personal Finance for Kids

Customized & Private-labeled Presentations

The NFEC provides a full range of customized financial literacy programming and promotions to meet your needs. The NFEC can create new programs or modify existing materials to meet the needs of our supporters.

Financial Literacy Framework & Standards for Personal Finance for Kids

Financial Literacy Framework & Standards

Review big ideas and content standards designed to encourage the highest achievement by participants. Complimentary interactive website helps you understand the skills needed to improve one’s financial capabilities.

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 Financial Capability 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 13 years old. The financial literacy curriculum package comes with three age ranges of material. PK-2nd Grade material is commonly used to teach kids ages 3 to 7. 3rd – 6th Grade material applies to kids ages 7 to 11. Middle School materials: Ages 11 to 14.

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 5 personal finance topic areas: Financial Psychology, Accounts, Savings & Badugets, Income, Careers & Entrepreneurship, Credit Debt & Loans and Risk Management & Insurance. 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
Receive a comprehensive financial education package with more than 180 engaging lessons 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. 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.

Personal Finance for Kids Article References:

Leveraging Personal Finance for Kids

Kids Building Skill in Finance

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