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Teen financial literacy curriculum · Grades 9–12

Real money skills for teens, before real money mistakes.

Q: I have more than one teen. How does that work?

Each purchase is for one student. Email team@financiallygrowing.com to ask about family pricing.

Financially Growing is a self-paced financial literacy curriculum for high school students. In five short modules your teen learns budgeting, credit, taxes, banking, college costs, investing and giving, through real-life scenarios, hands-on activities and strategy games.

Get all 5 modules for $497 Explore the 5 modules

Self-paced, no live class
Homeschool friendly
26 badges and certificates
Captioned videos
Lifetime access

Why families choose it

Most teens graduate without learning how money works

Credit cards, paychecks, rent, student loans and investing show up all at once at 18. Financially Growing teaches the "why" and the "how" in plain language, so your teen walks into adulthood with a plan instead of a lesson learned the hard way.

Prevention first

Teens learn to spot debt traps, scams and marketing pressure before they fall for them.

Real numbers

Real paychecks, real rent, real loan math. Every activity offers a Real Path or a Mock Path.

Built for teens

Short videos, scenarios, games and badges keep teens moving at their own pace.

No finance degree needed

Parents don't have to teach. Conversation cards help you talk money at home.

How every lesson works

The same 8 steps in every lesson

Each lesson takes about an hour, and your teen can pause at any point.

1

Hook video

A short video that sparks the question.

2

Where you stand

A quick check-in on what they already know.

3

Vocab drop

Money words in plain English.

4

The lesson

Clear teaching with real examples and math.

5

Real-talk scenario

A real decision teens actually face.

6

Build It activity

Hands-on work with their own numbers or a mock story.

7

Self-check quiz

Instant feedback with an explanation for every answer.

8

The pledge

One small action to take this week, which earns a badge.

The curriculum

5 modules from first paycheck to lifelong wealth

Take them in order or start where your teen needs it most. Every module includes a companion book, printable activity templates, a starting-line and finish-line assessment, a bonus strategy game, badges and a certificate.

MODULE 1 · ELEMENTS

The history of money, debt, influence and credit

Money Through Time: from barter to digital wallets
Debt: the trap you never have to enter
Who's pulling your wallet strings? Ads, influencers and peer pressure
Credit: build it slowly, use it rarely
Bonus game: Escape the Fee Forest

$147Get Elements

MODULE 2 · PLANT

Money goals, budgeting and a first paycheck

Seed Goals: SMART money goals that actually stick
The budget you'll actually use
The job that funds your goals: reading a pay stub
Bonus game: The Goal Garden

$147Get Plant

MODULE 3 · NURTURE

Taxes, banking, savings and insurance

Tax: what actually happens to your paycheck
Bank: choosing where your money lives
Savings: the safety net most adults never built
Insurance: protecting what matters without getting ripped off
Bonus game: Nurture Nest

$147Get Nurture

MODULE 4 · GROW

College costs, moving out and retirement

College: the decision that sets the next decade
Moving out: the real math of living on your own
Retirement: why your 18-year-old self should care
Bonus game: Launchpad 18

$147Get Grow

MODULE 5 · HARVEST

Investing, giving and economics

Investing beyond the index fund, with a steady hand
Giving: generosity as a financial habit
Economics: inflation, interest rates and recessions without panic
Bonus game: Peach & Purpose

$147Get Harvest

The road to Elite

Badges, certificates and a capstone worth finishing

Every lesson and game earns a badge. Teens who collect all 26 and finish the capstone become Elite graduates.

26 skill badges

Earned lesson by lesson, plus a certificate for each module.

Halfway Grower

A milestone badge after Modules 1–3 to keep momentum going.

The Great Money Garden

A capstone board game the whole family can play, unlocked after Module 5.

Elite Certificate

A printable certificate with every badge, plus a signed letter for college and scholarship applications.

Who it's for

Made for real families and busy schedules

Parents of teens

Turn payday, grocery runs and online carts into money lessons, without having to be the expert.

Homeschool families

A complete personal finance unit for high school, with assessments, activities and certificates for your records.

Independent teens

Planning for college, a first job or a first apartment? Learn the money side at your own pace.

Simple pricing

Choose one module or the complete curriculum

One student per purchase. Lifetime access on any device.

A parent or guardian checks out with their own email. That email becomes your teen's login for the student portal.

Single module

$147

Any one of the 5 modules

Pick a module

Complete bundle

$735

$497

All 5 modules · save $238 · includes the Elite path

Get the bundle

Biblical Finance add-on

$67

With any module or the bundle (regularly $97). Optional faith lessons that walk beside every module.

Add it at checkout

Not ready yet? Try a free sample lesson or start with the $27 MoneyRoots Starter Kit.

Not ready for a full course?
Start the money conversation at home with the MoneyRoots Starter Kit: 4 printable guides for $47.

See the Starter Kit

Questions parents ask

Financial literacy for teens: your questions, answered

Can my teen try a lesson before we buy?

Yes. Download five free sample lessons, one complete chapter from each module, with fillable worksheets.

What age is this financial literacy curriculum for?

Financially Growing is written for high school students in grades 9–12. Young adults heading to college, a first job or a first apartment use it too.

How much time does each module take?

Each lesson takes about an hour, and teens can pause at any point. Most teens finish a module in 3–4 weeks at one lesson a week. There are no live classes or deadlines.

Do I need to know a lot about money to use it?

No. Lessons are written in plain language and teach your teen directly. Optional conversation cards help you talk about money at home, even if you are still learning yourself.

Can homeschool families use it for high school credit?

Many homeschool families use Financially Growing as a personal finance unit. Each module includes a starting-line and finish-line assessment, activities and a certificate for your records. Check your state's requirements for how credit is awarded.

Is the curriculum faith-based?

The core curriculum is not faith-based. Families who want it can add Biblical Finance, an optional set of faith lessons that walk beside every module.

What is the Elite Certificate?

Teens who earn all 26 badges and finish The Great Money Garden capstone become Elite graduates. They receive a printable Elite Certificate and a signed Letter of Completion for college and scholarship applications.

How long do we have access?

Lifetime access to every module you buy, on any device.

How does my teen log in?

A parent or guardian checks out with their own email address. That email becomes your teen's login for the student portal, and the login details arrive in that inbox right after purchase. Badges, certificates and milestone updates go to the same inbox, so you can follow along.

I have more than one teen. How does that work?

Each purchase is for one student, and each student needs their own login email. Email [email protected] and we'll help you set up a login for each teen and answer questions about family pricing.

Is this financial advice?

No. Financially Growing is education. Examples use rounded numbers and historical averages, not guarantees or recommendations.

Give your teen a head start with money

Five self-paced modules. 26 badges. One confident young adult.

Get all 5 modules for $497 Try 5 free sample lessons