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Free sample lessons · Grades 9–12

Five free money lessons for teens. Ready to teach Monday.

One complete chapter from each Financially Growing module: debt, goals, savings, college and giving. Real stories, a vocab box, an activity and a fillable worksheet in every lesson.

Send me the free lessonsSee the full curriculum

Free for home and classroom use · Fillable PDF · No credit card

What’s inside every lesson

Each sample is a full chapter from a companion book, not a teaser. It is written in plain language that sounds like a real person talking to your teen.

A complete chapter

The full text from the companion book, with a pull-quote to anchor the big idea.

A Story Stop

Maya, Liam and Ava face money choices teens actually make, with real numbers.

A Vocab Box

Five or six key terms defined in one plain sentence each.

A Try This activity

A small, real-world challenge students can do this week.

Reflection questions

Three questions with answer lines for discussion, journaling or an exit ticket.

A tear-out template

A Real Path for the student’s own life and a Mock Path for practice.

The five free lessons

One lesson from each module of the Financially Growing course for teens.

Module 1 Elements illustration
Module 1 · Elements · Chapter 3

Debt: The Trap You Never Have to Enter

Why the smartest move with debt is never starting, told through Liam’s three buy-now-pay-later plans.

  • Ask one question before any borrowing decision
  • Spot the three debt traps that catch teens most
  • Audit what you owe and write a prevention plan
Module 2 Plant illustration
Module 2 · Plant · Chapter 2

Goals That Actually Stick

How to turn “I want to save more” into a goal with a number, a date and a first step.

  • Tell a wish from a goal
  • Sort goals into defense, offense and growth
  • Write one SMART money goal and make it visible
Module 3 Nurture illustration
Module 3 · Nurture · Chapter 4

The Cushion You Build Before You Need It

Why a surprise $1,000 bill trips up so many adults, and the six-minute setup that prevents it.

  • Build the three layers of savings
  • Set up an automatic transfer
  • Calculate a personal emergency-fund target
Module 4 Grow illustration
Module 4 · Grow · Chapter 2

The Path Question

An honest look at college costs, financial aid and strong alternatives before signing anything.

  • Answer four ask-before-you-sign questions
  • Compare college, trade school and the 2 + 2 path
  • Use a simple rule of thumb for student debt
Module 5 Harvest illustration
Module 5 · Harvest · Chapter 3

The Open Hand

How giving on purpose builds the feeling of “enough,” and how to give where it works.

  • Treat generosity as a habit, not a mood
  • Research a cause before giving
  • Build a 1% giving plan with money, time or skill
Get the free lessons

Send the lessons to my inbox

  1. 1Enter your first name and email, and tell us who you are.
  2. 2Download all five lessons right away, in one fillable PDF.
  3. 3We’ll also email you the link so you can find it later.

Teens under 13: please ask a parent or guardian to sign up. We never sell or share your email.

Made for the adults who teach teens

Use one lesson as a trial run, or teach all five as a short personal finance unit.

Parents

Start a money conversation at home with a story your teen will recognize, then work through the activity together.

Teachers

Print or share the PDF for a ready bell-to-bell lesson with discussion questions and an exit ticket.

Homeschool families

Try a lesson from each module before choosing the full course for a high school personal finance credit.

Questions and answers

Free financial literacy lessons: your questions, answered

Are the sample lessons really free?

Yes. All five lessons come in one PDF at no cost, with no credit card. You may copy them for your own family or one classroom.

What grade level are they for?

The lessons are written for high school students in grades 9–12. Many families also use them with an advanced 8th grader or a young adult heading to college or a first job.

What is inside each lesson?

Each lesson is one complete chapter from a Financially Growing companion book. It includes a story with a recurring teen character, a Vocab Box, a Try This activity, reflection questions and a Real Path / Mock Path tear-out template.

How long does one lesson take?

Plan for 45–60 minutes, including the activity. You can also split a lesson across two shorter sessions.

Can students fill in the worksheets on a computer?

Yes. The reflection questions and templates are fillable PDF fields, so students can type their answers or print the pages.

Is this a faith-based curriculum?

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

Do the lessons align with standards?

The curriculum was built with the Jump$tart National Standards for personal finance education and state standards from Oregon, Washington and California in mind.

Can a teen sign up on their own?

Teens 13 and older may sign up with their own email. Students under 13 should ask a parent or guardian to sign up.

Will you share my email?

No. Your email is used only by Financially Growing to send the lessons and a few helpful next steps. You can unsubscribe at any time and keep the lessons.

How do I get the full course?

Each lesson comes from a five-module, self-paced course for teens. Modules are $147 each, or $497 for all five. See the full curriculum at financiallygrowing.com/curriculum.

Ready for the whole course?

Five self-paced modules, 26 badges and a certificate your teen can be proud of.

Explore the curriculumGet the MoneyRoots Starter Kit

Written by Ashlee Richards, founder of Financially Growing.