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Money Smart - A Financial Education Program

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Money Smart for Adults

The Money Smart for Adults instructor-led curriculum consists of eleven training modules that cover basic financial topics.  Topics include a description of deposit and credit services offered by financial institutions, choosing and maintaining a checking account, spending plans, the importance of saving, how to obtain and use credit effectively, and the basics of building or repairing credit. 

 Each of the 11 modules is structured in an identical manner and includes:

  • A comprehensive, fully scripted guide for instructors. The guide includes everything necessary to start teaching the program, including easy to follow cues, script, and interactive class exercises.
  • Overhead slides in PowerPoint and PDF format.
  • A take-home guide for participants that includes tools and information that participants can use independently after completing a module.

Money Smart may be taught to students in a classroom or small group setting.  It may also be used in a more personalized setting, such as by counselors working with individual clients.  Educators can also integrate portions of Money Smart into other educational resources. 

An instructor can teach all eleven modules sequentially or one or more individual module(s) on a stand-alone basis depending on audience needs. Instructors are strongly encouraged to assess the educational needs of their audience and present the module(s) or section(s) of a module that address those needs. 

If taught in their entirety, each module takes between 1-2 hours of classroom time to teach. A layering matrix table appears in the instructor guide for each module to provide a break-down of topics, subtopics, target audience, and activities for the module.

The instructor-led version of Money Smart is available in English, Chinese, Haitian Creole, Hindi, Hmong, Korean, Russian, Spanish, and Vietnamese. A version for the visually impaired is also available.

The FDIC provides the Money Smart curriculum to interested parties free of charge. A limited number of copies are available to each party; however, the materials are easily reproduced and have no copyright restrictions.

FDIC staff is available to provide technical assistance and to help facilitate partnerships among interested parties.

The FDIC Money Smart curriculum content and structure is regularly updated, and enhanced to reflect changes in law and industry practices. For example, the last update of the instructor-led adult curriculum, among other enhancements, added pre- and post-tests to each module to help the participant and instructor focus on the most relevant content and measure knowledge changes..

 

The 11 Money Smart Training Modules

Bank on It
an introduction to bank services

Borrowing Basics
an introduction to credit

Check It Out
how to choose and keep a checking account

Money Matters
how to keep track of your money

Pay Yourself First
why you should save, save, save

Financial Recovery
how to recover financially and rebuild your credit after a financial-setback

Keep It Safe
your rights as a consumer

To Your Credit
how your credit history will affect your credit future

Charge It Right
how to make a credit card work for you

Loan To Own
know what you're borrowing before you buy

Your Own Home
what home ownership is all about



Last Updated 10/29/2010 CommunityAffairs@fdic.gov