Personal Finance for Kids

The NFEC’s personal finance for kid’s 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!” According to the American Academy of Pediatrics 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 comprehensive curriculum 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.

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.

PK – 2nd Grade

68 Classroom Hours of Material

At-Home Family Activities

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The NFEC kid’s curriculum package was developed for kids in the ‘preoperational’ phase as defined by Piaget’s Stages of Cognitive Development. At this stage children begin to use and understand language; they tend to experience the world from a selfish perspective where they only understand one feature of a situation or object. Download the report – Financial Literacy Programs and Education for Young Children.

The NFEC provides practical lessons that align with Common Core guidelines and establish an educational foundation to support continued financial education training as students mature. Financial habits are formed early; there are fundamental lessons that can be delivered to young children that will help them establish positive financial habits for life.

kids financial literacy curriculumThe NFEC’s kid’s curriculum package for PK – 2nd grade students includes:

  • 68 classroom hours across 71 lessons.
  • Parent involvement letters and family activities
  • Over 100 engaging activities and educational games
  • Outside-of-class study material
  • Teacher-moderated testing and in-class surveys
  • Instructors resources – Teachers guide, PPT, Multimedia tools
  • Print on Demand Center with 100 Student Guide reprints

Elementary Schools &
Nonprofits Organizations
$294

Register Now

License Terms, Conditions
& Annual License Agreement

Financial Professionals,
Concerned Citizens & Others
$391

Register Now

License Terms, Conditions
& Annual License Agreement

3rd – 5th Grade

80 Classroom Hours of Material

Testing & Long-Term Impact Assessments

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The NFEC curriculum package for 7 to 11 year olds was developed for kids in the ‘concrete operational’ phase according to Piaget’s Stages of Cognitive Development. Youth at this age can use multiple dimensions of a problem or situation to reason about the world when the situation is made concrete.

The NFEC designed the 3rd to 5th grade material to counteract influences of the thousands of advertisements to which children are exposed daily; the material also aligns with Common Core guidelines. This is a vital age at which children can develop positive money management habits and establish core financial knowledge that builds the foundation for future financial education lessons.

kids personal finance curriculum package

The NFEC’s curriculum package for 3rd – to 5th graders includes:

  • 80 classroom hours across 69 lessons
  • Parent involvement letters and family activities
  • Over 70 engaging activities and educational games
  • Outside-of-class study material
  • Testing, surveys, and long-term assessments
  • Instructors resources – Teachers guide, PPT, Multimedia tools
  • Print on Demand Center with 100 Student Guide reprints

Elementary Schools &
Nonprofits Organizations
$294

Register Now

License Terms, Conditions
& Annual License Agreement

Financial Professionals,
Concerned Citizens & Others
$391

Register Now

License Terms, Conditions
& Annual License Agreement

6th – 8th Grade

53 Classroom Hours of Material

Outside-of-Class Study Materials

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The NFEC middle school curriculum was developed for youth in the ‘abstract thought’ phase according to Piaget’s Stages of Cognitive Development. At around age 11 children begin to reason beyond concrete examples and can start applying hypothetical, philosophical, and scientific principles to learning about the world.

These are formidable development years where financial habits continue to develop. The NFEC’s middle school curriculum aligns with Common Core guidelines while providing the fundamental lessons to help students make positive financial decisions.

personal finance curriuclum lesson plans for kidsThe middle school curriculum package includes:

  • 53 classroom hours across 44 lessons
  • Over 70 engaging activities and educational games
  • Outside-of-class study material
  • Testing, surveys, and long-term assessments
  • Instructors resources – Teachers guide, PPT, Multimedia tools
  • Print on Demand Center with 100 Student Guide reprints

 

Elementary Schools &
Nonprofits Organizations
$294

Register Now

License Terms, Conditions
& Annual License Agreement

Financial Professionals,
Concerned Citizens & Others
$391

Register Now

License Terms, Conditions
& Annual License Agreement

 

Article: Personal Finance for Kids Curriculum – Important Features

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.

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.

The material discussed on this page is age-appropriate for kids between 3 and 13 years old. The financial education 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.

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

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.

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.

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: 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.

Thank you for your interest in teaching kids about money.

Personal Finance for Kids Article References:

Kids Building Skill in Finance

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