Curriculum Overview

The six-chapter curriculum is easy to use and completely turnkey. The lessons are supported by video content taught by Rachel Cruze, Anthony ONeal, and Dave Ramsey. These experts, along with host Ken Coleman, weave humor and real-life stories together to educate and reinforce sound principles for managing money.

Turnkey, flexible, and packed with teacher resources!

Foundations in Personal Finance: Middle School Edition videos

Videos

Videos are delivered in multiple formats

Foundations in Personal Finance: Middle School Edition student text

Student Text

Available in softcover print edition

Foundations in Personal Finance: Middle School Edition digital teacher's edition

Digital Teacher's Edition

Learning Activities, Case Studies, Lesson Plans, and more

Curriculum Features

  • Flexible, turnkey personal finance curriculum
  • Stand-alone chapters that can be used in any order
  • 144-page student text available in print or digital format
  • Digital Teacher's Edition that includes additional learning activities, parent resources, and more
  • Variety of activities including math activities, one-minute reflections, journal questions, and word problems
  • Variety of delivery options with a focus on flexibility
  • Three syllabus options for six-week, nine-week, or eighteen-week terms
  • Three and a half hours of video instruction given by the Foundations team of experts
  • Aligned with the National Standards for Financial Literacy
  • Pre-and post-tests for the course as a whole, as well as summative assessments
  • Case studies provided to engage students in practical application of financial principles

Chapter Summaries

Foundations in Personal Finance: Middle School Edition is presented in six distinct chapters, featuring a total of twenty-two lessons. Each lesson is supported by video content taught by Rachel Cruze, Anthony ONeal, and Dave Ramsey. These experts, along with host Ken Coleman, weave together humor and real-life stories to educate and reinforce sound principles for managing money.

Chapter 1: Saving & Budgeting

Introduces personal finance concepts; explores what it means to be smart with money; emphasizes three reasons to save money; compares simple interest and compound interest; explains the purpose of a budget; identifies the difference between debit and credit cards; explores how to talk about money and money goals; and highlights the importance and benefits of giving and serving others.

Chapter 2: Credit & Debt

Identifies terms associated with debt; evaluates the financial impact of debt on a household budget; examines the elements of a credit report and credit score; highlights the importance of avoiding debt; identifies ways to stay out of debt; explores the cost of a college education and the long-term cost of student loan debt; and explains ways to pay for college without going into debt.

Chapter 3: Education, Careers, & Entrepreneurship

Examines the importance of exploring career options that line up with personal skills and interests; introduces career options and highlights their varying, post-secondary education requirements; explains the impact education can have on income; examines various types of income and taxes; identifies elements of employer benefits; introduces the topic of entrepreneurship; and explores the risks and benefits associated with starting your own business.

Chapter 4: Investing, Insurance, & Identity Theft

Explains the difference between saving and investing; introduces investing as a way to build wealth; highlights the impact of compound interest and introduces the time-value of money; explores different types of investments; identifies different types of insurance; examines the impact of and problems associated with identity theft; and examines ways to protect yourself from identity theft.

Chapter 5: Global Economics

Explains the differences between various economic systems; examines the movement of goods and services; explores supply and demand; explains the chain of production and gross domestic product; highlights the differences between developed and developing countries; explores global economics and trade matters; and examines the impact of scarcity and rationing.

Chapter 6: Marketing & Consumerism

Introduces consumerism and spending habits; explores the impact of marketing, product placement, and peer pressure on consumer behavior; explains the concept of economic incentives; compares contentment and discontentment in regard to consumerism; explores various consumer protection agencies and laws; and identifies ways to be a wise consumer.

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