FDIC Money Smart for Young People features four free age-appropriate curricula that promote financial understanding and are specifically designed for pre-kindergarten through 12th grade educators. Each curriculum includes:
- An educator guide, student handouts, and powerpoint slides
- Multiple lessons that can be taught alone or in combination
- Standards alignment charts
- Ideas for grade-level modification
- Real-life exercises and examples
- Suggestions for optional books or online games/tools that can reinforce student understanding
- Ideas to integrate into existing academic subjects such as English, Mathematics, and Social Studies
FDIC Money Smart News for Kids was based on the Money Smart for Young People, grades 3-5 curriculum. It includes nine chapters, which introduce basic banking terms to young people, who are perhaps just beginning to learn about finances. Each issue builds upon the next and introduces two characters, Isabella and Noah, who try out different financial concepts along the way. Available at no-cost in English and Spanish language.
![teacher and class](/index.php/system/files/styles/scale_width_m/private/2024-05/msyp-grprek-2-2.jpg?itok=rtaVNVe_)
Grades PreK-2 contains six lessons with hands-on, cross-curricular activities that engage preschool through second grade students. It explains financial concepts with age appropriate activities such as counting coins and defining needs and wants.
Full Grades PreK - 2 Curriculum
PreK - 2 Standard Alignment Chart
Lesson Number | Lesson Title | Resources | Themes | Learning Objectives |
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1 | Counting Coins | Educator Guide (L1K) Handouts (L1K) Slides (L1K) | Understanding Currency |
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2 | Learn to Earn | Educator Guide (L2K) Handouts (L2K) Slides (L2K) | Earning Money |
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3 | Weighing Needs and Wants | Educator Guide (L3K) Handouts (L3K) Slides (L3K) | Needs and Wants |
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4 | Ready. Set. Goal. | Educator Guide (L4K) Handouts (L4K) Slides (L4K) | Setting Goals |
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5 | Super Savers | Educator Guide (L5K) Handouts (L5K) Slides (L5K) | Saving and Spending |
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6 | Borrowing Bills | Educator Guide (L6K) Handouts (L6K) Slides (L6K) | Borrowing and Lending |
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![Students raising hands](/index.php/system/files/styles/scale_width_m/private/2024-05/msyp-gr3-5-2.jpg?itok=ALSAE20w)
Grades 3-5 contains eight lessons that expand on the lessons introduced in the PreK-2 curriculum. There are also newer topics such as how to create a budget and identifying ways to set goals for saving money.
Grades 3 - 5 Standard Alignment Chart
Lesson Number | Lesson Title | Resources | Themes | Learning Objectives |
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1 | Money Matters | Educator Guide (L13) Handouts (L13) Slides (L13) | Buying Decisions |
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2 | Get Set for Goals | Educator Guide (L23) Handouts (L23) Slides (L23) | Setting Goals |
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3 | Make a Plan | Educator Guide (L33) Handouts (L33) Slides (L33) | Budgeting |
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4 | Save Your Money | Educator Guide (L43) Handouts (L43) Slides (L43) | Saving |
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5 | Which Way to Pay? | Educator Guide (L53) Handouts (L53) Slides (L53) | Payment Options |
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6 | Get Invested | Educator Guide (L63) Handouts (L63) Slides (L63) | Introduction to Investing |
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7 | It's Great to Donate! | Educator Guide (L73) Handouts (L73) Slides (L73) | Charitable Giving |
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8 | Career Choices | Educator Guide (L83) Handouts (L83) Slides (L83) | Exploring Careers and Income |
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![students in class raising hands](/index.php/system/files/styles/scale_width_m/private/2024-05/msyp-gr6-8-2.jpg?itok=Ssnd8PVA)
Grades 6-8 contains 12 lessons and is most appropriate for children ages 11 – 13. This curriculum contains important topics such as how to choose a successful career, and an introduction to understanding credit and debt.
Grades 6 - 8 Standard Alignment Chart
Lesson Number | Lesson Title | Resources | Themes | Learning Objectives |
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1 | The Path to Success | Educator Guide (L16) Handouts (L16) Slides (L16) | Career and Job Opportunities |
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2 | Bread and Butter | Educator Guide (L26) Handouts (L26) Slides (L26) | Introduction to Taxes |
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3 | Designing Dreams | Educator Guide (L36) Handouts (L36) Slides (L36) | Financial Goals |
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4 | Being a Savvy Shopper | Educator Guide (L46) Handouts (L46) Slides (L46) | Smart Shopping |
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5 | Go with the Flow | Educator Guide (L56) Handouts (L56) Slides (L56) | Cash Flow and Budgeting |
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6 | Super Savers | Educator Guide (L66) Handouts (L66) Slides (L66) | The Importance of Saving |
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7 | How to Stash Your Cash | Educator Guide (L76) Handouts (L76) Slides (L76) | Savings Options |
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8 | Money Doesn’t Grow on Trees | Educator Guide (L86) Handouts (L86) Slides (L86) | Investing Options |
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9 | Give Credit Where Credit Is Due | Educator Guide (L96) Handouts (L96) | Credit and Debt |
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10 | Protecting Yourself | Educator Guide (L106) Handouts(L106) | Protecting Your Identity |
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11 | Risky Business | Educator Guide (L116) Handouts (L116) | Financial Risk |
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12 | Spend, Save, or Give? | Educator Guide(L126) Handouts(L126) | Personal Financial Choices |
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![teacher in front of class](/index.php/system/files/styles/scale_width_m/private/2024-05/msyp-gr9-12-2.jpg?itok=TDuMvF1d)
Grades 9-12 is our most expansive Money Smart for Young People curriculum. It contains 22 lessons that help prepare students for the real world by discussing topics such as car purchases, financing college and home ownership.
Grades 9 - 12 Standard Alignment Chart
Lesson Number | Lesson Title | Resources | Themes | Learning Objectives |
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1 | Working Hard for the Money | Educator Guide (L19) Slides (L19) | Career Options |
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2 | Designing Dreams | Educator Guide (L29) Slides (L29) | Financial Planning |
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3 | Can You Pay Your Bills? | Educator Guide (L39) Slides (L39) | Spending and Budgeting |
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4 | Boost Your Savings | Educator Guide (L49) Slides (L49) | The Importance of Saving |
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5 | Bank Your Bucks | Educator Guide (L59) Slides (L59) | Choosing a Banking Partner |
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6 | Bread and Butter | Educator Guide (L69) Slides (L69) | Managing Your Paycheck |
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7 | Capacity, Character, Collateral, Capital | Educator Guide (L79) Slides (L79) | Credit |
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8 | The Almighty Dollar? | Educator Guide (L89) Handouts (L89) Slides (L89) | Credit Cards |
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9 | As Easy as Pi | Educator Guide (L99) Handouts (L99) Slides (L99) | Financial Ratios |
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10 | Convertible or Clunker? | Educator Guide (L109) Handouts (L109) Slides (L109) | Automobile Purchase |
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11 | Risky Business | Educator Guide (L119) Handouts (L119) Slides (L119) | Risk Management and Insurance |
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12 | Halls of Knowledge | Educator Guide (L129) Handouts (L129) Slides (L129) | Financing College |
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13 | The Policy of Personal Choice | Educator Guide (L139) Handouts (L139) Slides (L139) | Understanding the Economy |
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14 | Increasing the Value of Your Money | Educator Guide (L149) Handouts (L149) Slides (L149) | Financial Markets and Investing |
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15 | Road to Retirement | Educator Guide (L159) Handouts (L159) Slides (L159) | Retirement Planning |
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16 | Crash Pad | Educator Guide (L169) Handouts (L169) Slides (L169) | Homeownership and Renting |
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17 | Pocket Giving | Educator Guide (L179) Handouts (L179) Slides (L179) | Charitable Giving |
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18 | Paving the Future | Educator Guide (L189) Handouts (L189) Slides (L189) | Estate Planning |
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19 | Financial Sleuth | Educator Guide (L199) Handouts (L199) Slides (L199) | Financial Resources |
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20 | Protect Yourself | Educator Guide (L209) Handouts (L209) Slides (L209) | Consumer Protection |
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21 | Launching Your Dream | Educator Guide (L219) Handouts (L219) Slides (L219) | Entrepreneurship 1: Starting a Business |
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22 | Maintenance Mode | Educator Guide (L229) Handouts (L229) Slides (L229) | Entrepreneurship 2: Maintaining a Business |
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