Financial literacy for kids, before they need it

What Is Money?

• What Is Money?
• Why Do We Use Money?

Coin Recognition

• Meet the Coins: Penny & Nickel
• Meet the Coins: Dime & Quarter

Needs and Wants

• Things We Need
• Things We Want & Telling the Difference

Buying Things

Saving Basics

• What Is Saving?
• My Piggy Bank

Sharing and Giving

Earning Money

• Jobs People Do
• How People Earn Money

How Money Works

• Why Money Was Invented
• How Exchanges Work

Counting Coins

• Counting Pennies and Nickels
• Counting Dimes and Mixed Coins
• Reaching One Dollar

Spending Choices

• Needs First, Wants Later
• Should I Spend or Keep?

Shopping Basics

• Reading Price Tags
• Buying at a Store

Saving and Patience

• Saving for a Goal
• Being Patient With Money

Earning Money

• Earning Money by Helping
• Different Ways to Earn

Sharing and Giving

• Sharing What We Have
• Giving to People Who Need Help

Money Safety

• Keeping Your Money Safe
• Money Rules to Remember

Money Math

• Dollars and Coins Together
• Counting to Five Dollars
• Making Change

Comparing Prices

• Which Costs More?
• Finding the Better Deal

Smart Spending

• Needs and Wants in Action
• Making Spending Decisions
• Resisting Impulse Buys

Earning Income

• Allowance: Earning at Home
• Jobs That Earn Money

Saving With a Plan

• Setting a Savings Goal
• Tracking Your Savings

Sales and Discounts

Borrowing and Paying Back

• Borrowing Money
• Paying Back What You Owe

Sharing Money

• Splitting Money Fairly
• Deciding How to Share

Banks and Safety

• What Is a Bank?
• Keeping Money Safe

Money Arithmetic

• Counting Larger Amounts
• Making Change From $10 and $20
• Estimating Costs

Budgeting Basics

• Income and Expenses
• Making a Weekly Budget
• Tracking What You Spend

Saving Strategies

• Save a Percentage
• Medium-Term Savings Goals
• Emergency Money

Opportunity Cost

• What Is Opportunity Cost?
• Making Trade-Offs

Smart Shopping

• Comparing Brands
• Unit Prices
• Smart Shopping Tips

Advertising Awareness

• How Ads Try to Persuade You
• Thinking Critically About Ads

Categorizing Expenses

• Types of Needs
• Types of Wants

Earning Extra

• Ways to Earn Beyond Allowance
• Planning an Earning Project

Money Responsibilities

Planning How to Give

Monthly Budgeting

• Budget Categories
• Building a Monthly Budget
• Tracking With Charts

Managing Income

• Where Does Your Money Come From?
• Managing Your Allowance

Saving and Interest

• Long-Term Savings Goals
• What Is Interest?
• Money Grows Over Time

Bank Accounts

• Opening a Savings Account
• Deposits and Withdrawals

Payment Methods

• Checking Accounts
• Writing Checks
• Debit Cards

Smart Consumer Skills

• Sales Tax
• Discounts and Percentages
• Being a Smart Consumer

Digital Money Safety

• Money and Technology
• Staying Safe Online
• Spotting and Avoiding Scams

Entrepreneurship

• Starting a Small Business
• Profit and Loss

Bank Accounts

• Types of Bank Accounts
• Savings vs. Checking: Which and When?

How Interest Works

• What Is an Interest Rate?
• Compound Interest: Money Growing on Money

Saving With Goals

• Setting SMART Money Goals
• Strategies to Reach Your Goal

How People Earn

• Ways People Earn Money
• Earned vs. Passive Income

Taxes and Pay

• What Are Taxes?
• Gross Pay vs. Net Pay

Digital Money Tools

• Budgeting With Apps and Spreadsheets
• Tracking Expenses Digitally

Borrowing and Credit

• What Is Credit?
• How Borrowing Works
• The Cost of Borrowing

Credit Health

• Good Borrowing vs. Bad Borrowing
• What Is a Credit Score?

Identity Protection

• Protecting Your Identity
• Staying Safe Online With Money

Kid Entrepreneur

• Entrepreneurship: Ideas That Earn
• Writing a Simple Business Plan
• Understanding Profit Margins

Charitable Giving Plan

Compound Interest and Projections

• The Compound Interest Formula
• Projecting Your Savings Into the Future

Introduction to Investing

• What Is Investing?
• Risk and Reward

Investment Types

• Stocks: Owning a Piece of a Company
• Bonds: Lending Money for Interest
• Mutual Funds and Diversification

Credit Cards

• How Credit Cards Work
• Credit Card Interest: The Hidden Cost

Managing Debt

• Understanding Your Debt
• Strategies to Pay Off Debt

Credit Reports and Building Credit

• What Is a Credit Report?
• Building Good Credit Over Time

Understanding Loans

• Types of Loans
• How Loan Interest Affects Total Cost

How the Economy Works

• How the Economy Works
• Supply and Demand

Economic Ups and Downs

• Inflation: Why Prices Go Up
• Recessions: When the Economy Slows Down

The Global Economy

Careers and Money Planning

The Stock Market

• How the Stock Market Works
• Reading Stock Information

Investing Strategies

• Investment Strategies for Beginners
• Why Long-Term Investing Wins

Retirement Saving

• Why Start Saving for Retirement Early?
• Retirement Accounts: 401k and IRA
• Watching Your Money Grow Over Decades

Real Estate Basics

• Real Estate as an Investment
• Renting vs. Owning

Building a Business

• From Idea to Business Model
• Revenue Streams: Where the Money Comes From
• Growing Your Business

Business Finances

• Business Expenses: What It Costs to Run a Business
• Profit and Loss Statements
• Cash Flow: Money In vs. Money Out

Marketing and Customers

• Marketing Basics
• Finding and Keeping Customers

Business Structures

• Types of Business Ownership
• Franchises and Social Enterprises

Financial Independence

• What Is Financial Independence?
• Building Your Financial Plan
• Money Mindset and Habits

Portfolio Management

• Building an Investment Portfolio
• Asset Allocation: Balancing Risk and Growth

Reading the Economy

• Economic Indicators: Measuring the Economy's Health
• Basic Market Analysis

The Federal Reserve

• What Is the Federal Reserve?
• How Interest Rate Changes Affect You

Understanding Taxes

• How Income Taxes Work
• Deductions and Credits
• Basic Tax Planning

Insurance and Protection

• What Is Insurance and Why Does It Exist?
• Health Insurance and Auto Insurance
• Life Insurance and Other Types

Retirement Planning

• How Much Do You Need to Retire?
• Social Security and Your Retirement Plan

College Savings

• The Cost of College and How to Prepare
• Paying for College: 529 Plans, Scholarships, and More

Career and Compensation

• Career Paths and Earning Potential
• Understanding Employee Benefits
• Negotiating Your Worth

Home Buying

• The Basics of Buying a Home
• Mortgages: Borrowing to Buy a Home

Building Wealth