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Home » Financial Literacy » Resources for Teachers » Financial Literacy for High School Students

Are You Teaching Financial Literacy To High School Students?

The teaching curriculum consists of fourteen lesson plans & worksheets designed to augment a semester course in life skills and personal finance management. The Teacher’s Guide, compiled in a separate, easy-to-use notebook, includes an outline of the curriculum:

• Lesson objectives
• Suggested resources
• Teaching notes
• Chart indicating appropriate age groups for the key learnings offered in each lesson
• Presentation slides
• Answer keys to worksheets (when necessary)

Introductory Overview to Financial Literacy for High School Students

Lesson one: making personal finance decisions.

Each day, we are faced with many decisions. While most decisions are simple, such as “what should I wear?” or “what should I eat?,” others are more complex, such as “should I buy a new or used car?”  As decision-making skills are used and improved, a person’s quality of life is enhanced. Wiser choices result in better use of time, money, and other resources.  This introductory lesson provides students with an opportunity to learn more about decision-making. The lesson starts with an overview of the decision-making process followed by a discussion of various internal and external factors that affect decisions.

Teacher’s Guide –  Lesson One: Making Decisions

Student Guide – Lesson One: Making Decisions

Teacher’s Slide Presentation – Lesson One: Making Decisions

Teacher’s Power Point Presentation – Lesson One: Making Decisions

Lesson Two: Making Money

Building your career is one of the surest ways to increase income and make money. When planning for the future, one of the most critical financial decisions is determining your career path.  In this lesson, students will be encouraged to consider various topics related to career planning and the financial aspects of employment. This variation of the decision-making process can help a person match personal abilities and interests with appropriate employment opportunities.

Teacher’s Guide – Lesson Two: Making Money

Student Guide – Lesson Two: Making Money

Teacher’s Slide Presentation – Lesson Two: Making Money

Teacher’s Power Point Presentation – Lesson Two: Making Money

Lesson Three: The Art of Budgeting

A personal budget is a financial plan that allocates future income toward expenses, savings, and debt repayment. “Where does the money go?” is a common dilemma faced by many individuals and households when it comes to budgeting and money management.  Effective money management starts with a goal and a step-by-step plan for saving and spending. Financial goals should be realistic, be specific, have a timeframe, and imply an action to be taken. This lesson will encourage students to take the time and effort to develop their own personal financial goals and budget.

Teacher’s Guide – Lesson Three: The Art Of Budgeting

Student Guide – Lesson Three: The Art Of Budgeting

Teacher’s Slide Presentation – Lesson Three: The Art Of Budgeting

Teachers Power Point Presentation – Lesson Three: The Art Of Budgeting

Lesson Four: Living on Your Own

As young people grow up, a common goal is to live on their own. However, the challenges of independent living are often quite different from their expectations. This lesson provides a reality check for students as they investigate the costs associated with moving, obtaining furniture and appliances, and renting an apartment.

Teacher’s Guide – Lesson Four: Living On Your Own

Student Guide  – Lesson Four: Living On Your Own

Teacher’s Slide Presentation – Lesson Four: Living On Your Own

Teacher’s Power Point Presentation – Lesson Four: Living On Your Own

Lesson Five: Buying a Home

For many, buying a home is the single most important financial decision they will make in their lifetime.  However, the process of becoming a first-time homebuyer can be overwhelming, and requires a foundation for basic home-buying knowledge.  This lesson will provide students with information on buying a home and where and how to begin the process. After comparing the differences between renting and buying, students will be introduced to a five-step process for home buying. This framework provides an overview for the activities involved with selecting and purchasing a home.

Teacher’s Guide – Lesson Five: Buying A Home

Student Guide – Lesson Five: Buying A Home

Teacher’s Slide Presentation – Lesson Five: Buying A Home

Teacher’s Power Point Presentation – Lesson Five: Buying A Home

Lesson Six: Banking Services

If the fee for an ATM transaction to withdraw money is $1 and a person withdraws money twice a week, the banking fees for that person will be $104 a year. Over a five-year period, those fees invested at five percent would grow to more than $570.  Most students know that banks and other financial institutions (credit unions, savings and loan associations) offer a variety of services. However, few people know how to make wise choices when using financial services. In this lesson, students will learn about the different types of financial service products available and the features of each.

Teacher’s Guide – Lesson Six: Banking Services

Student Guide – Lesson Six: Banking Services

Teacher’s Slide Presentation – Lesson Six: Banking Services

Teacher’s Power Point Presentation – Lesson Six: Banking Services

Lesson Seven: Credit

In today’s world, credit is integrated into everyday life. From renting a car to reserving an airline ticket or hotel room, credit cards have become a necessary convenience. However, using credit wisely is critical to building a solid credit history and maintaining fiscal fitness. While most students have a general idea about the advantages and disadvantages of credit, this lesson provides an opportunity to discuss these issues in more detail.

Teachers Guide – Lesson Seven: Credit

Student Guide – Lesson Seven: Credit

Teacher’s Slide Presentation – Lesson Seven: Credit

Teacher’s Power Point Presentation – Lesson Seven: Credit

Lesson Eight: Credit Cards

What is APR? What is a grace period? What are transaction fees?  These and other questions will be answered in this lesson as students learn about credit cards, and the different types of cards available and features of each, such as bank cards, store cards, and travel and entertainment cards.

As students start to shop for their first (or next) credit card, this lesson will make them aware of various costs and features. Included in this section is a discussion of the methods for calculating finance charges.  Various federal laws protect our rights as we apply for and use credit cards, such as procedures for disputes and protection from card theft and fraud. In this lesson, students will also be given an opportunity to analyze the information contained on a credit card statement.

Teacher’s Guide – Lesson Eight: Credit Cards

Student Guide – Lesson Eight: Credit Cards

Teacher’s Slide Presentation – Lesson Eight: Credit Cards

Teacher’s Power Point Presentation – Lesson Eight: Credit Cards

Lesson Nine: Cars and Loans

“Should I buy a new car or a used car?”  “Where is the best place to finance my automobile purchase?”  “Is it better to take the rebate or the low-rate financing plan?”  These are typical questions asked by people buying vehicles. In this lesson, students are asked to identify costs associated with owning and operating a motor vehicle. Since these costs are commonly underestimated, guidelines are provided on how much to spend when buying vehicles.

Teacher’s Guide – Lesson Nine: Cars And Loans

Student Guide – Lesson Nine: Cars And Loans

Teacher’s Slide Presentation – Lesson Nine: Cars And Loans

Teacher’s Power Point Presentation – Lesson Nine: Cars And Loans

Lesson Ten: The Influence of Advertising

In today’s modern world, advertising seems to be everywhere we look; online, television, billboards, magazines, newspapers, on buses, grocery carts, even cell phones.  In addition, some forms of advertising can be subliminal, such as the strategically-placed soda can in a movie. We can’t help but be influenced and manipulated as consumers. In this lesson, students will become aware of the various techniques and appeals used to influence consumer behavior.

Teachers Guide – Lesson Ten: The Influence Of Advertising

Lesson 10: The Influence of Advertising – High School Student Guide

Teacher’s Slide Presentation – Lesson Ten: The Influence Of Advertising

Teacher’s Power Point Presentation – Lesson Ten: The Influence Of Advertising

Lesson Eleven: Consumer Awareness

Decisions, decisions. With so many choices available to us, how can we be sure we’re making the right decision?  Wise consumer buying starts with a plan. Using a systematic purchasing strategy will provide students with an ability to make more effective purchases. Comparative shopping techniques will be discussed to encourage students to carefully consider price, product attributes, warranties, and store policies. Next, this lesson covers a variety of buying methods, such as buying clubs, shopping by phone, catalogs, online, and door-to-door selling.

Teacher’s Guide – Lesson Eleven: Consumer Awareness

Student Guide – Lesson Eleven: Consumer Awareness

Teacher’s Slide Presentation – Lesson Eleven: Consumer Awareness

Teacher’s Power Point Presentation – Lesson Eleven: Consumer Awareness

Lesson Twelve: Saving and Investing

Saving just 35 cents a day will result in more than $125 in a year. Small amounts saved and invested can easily grow into larger sums. However, a person must start to save.  This lesson provides students with a basic knowledge of saving and investing. The process starts with setting financial goals. Next, a commitment to saving is discussed.

Teacher’s Guide – Lesson Twelve: Saving And Investing

Student Guide – Lesson Twelve: Saving And Investing

Teacher’s Slide Presentation – Lesson Twelve: Saving And Investing

Teacher’s Power Point Presentation – Lesson Twelve: Saving And Investing

Lesson Thirteen: In Trouble

The material in this lesson will help students become aware of the warning signs of financial difficulties. This lesson includes information on where to go for debt consolidation help and for nonprofit credit counseling .

Teacher’s Guide – Lesson Thirteen: In Trouble

Student Guide – Lesson Thirteen: In Trouble

Teacher’s Slide Presentation – Lesson Thirteen: In Trouble

Teacher’s Power Point Presentation – Lesson Thirteen: In Trouble

Lesson Fourteen: Consumer Privacy

In today’s information age, keeping your personal financial information private can be challenging. What you put on an application for a loan, your payment history, where you make purchases, and your account balances are but a few of the financial records that can be sold to third parties and other organizations.  This lesson, with attached budgeting activities, will encourage high school students to take the time and effort to develop their own personal financial goals and spending behaviors.

Teacher’s Guide – Lesson Fourteen: Consumer Privacy

Student Guide – Lesson Fourteen: Consumer Privacy

Teacher’s Slide Presentation – Lesson Fourteen: Consumer Privacy

Teacher’s Power Point Presentation – Lesson Fourteen: Consumer Privacy

Supplementary Resources

In an effort to give you the most up-to-date information for teaching and making personal financial decisions, we’ve compiled the following lists of periodicals and organizations that can enhance your use of Practical Money Skills for Life.

More Resources for Students: The Cost of College 

The cost to attend college has soared faster than almost any segment of the economy over the last 30 years. The average cost for students attending a public university is up 213% ($3,190 in 1988 to $9,970 in 2018), while private school is up 129% ($15,160 to $34,740) over the same time period.

That’s the primary reason Americans are $1.4 trillion in debt on student loans.

The good news is that are hundreds of online sites offering tips on not just what it will cost, but what you can do to pay for it. So, take a deep breath and check out these sites that should help you find a college you can afford to attend.

• www.collegedata.com : This is a wonderful resource for everything from cost factors to how to apply to how to pay your own way.
• www.trends.collegeboard.org : They specialize in providing historical data on college pricing, financial aid and what your degree will be worth when you graduate.
• https://studentaid.ed.gov/sa/prepare-for-college/choosing-schools/consider/costs : This is the site for the Department of Education, which provides approximately 67% of college financial aid. You will find detailed evaluation of costs and financial aid here.
• https://www.aie.org/ : This site offers answers on the cost of college, how to finance it and even how to manage money while you’re there.
• https://nces.ed.gov/ : This is a government site that collects and analyzes date from every college and provides accurate data on average cost of attendance.
• www.mykidscollegechoice.com : Very focused on finding a college you can afford and ways to pay for it.
• www.collegecountdown.com : Asks and answers questions about actual costs of college, school that fit you financially and how to evaluate offers you receive from colleges.

Other Resources for Teachers

• Debt Relief For Teachers
• Student Loan Forgiveness for Teachers
• Financial Literacy for Teachers

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10 Inspiring Personal Finance Project for High School Students

• February 24, 2024
• No Comments

In today’s world, personal finance education becomes important for individual and school students. Financial and management skills essential for implementing engaging personal finance projects can impact high school students’ financial literacy.

This guide will provide an overview of the wide range of personal finance projects examples and ideas to implement in their classroom.

A personal finance project involves hands-on learning, immersing students in real-world financial tasks and decision-making. The goal is to develop practical money management skills that prepare them for responsible financial choices in adulthood.

Project-based learning injects life into mundane financial concepts by immersing students in interactive simulations mirroring real-world adult financial scenarios. These projects involve creating budgets, comparing insurance plans, devising investment strategies, calculating taxes, and instilling responsible spending habits. Students gain practical knowledge of financial concepts through these engaging exercises, fostering the skills needed for sound and reliable financial decision-making.

What is Finance? 

Finance is a field that deals with the management of money and investments. It encompasses budgeting, saving, borrowing, investing, and managing risks. In essence, finance involves deciding how to allocate resources, whether for individuals, businesses, or governments, to achieve financial goals and maximize wealth. 

It also includes studying financial markets, institutions, and instruments and understanding concepts like interest rates, inflation, and financial regulations. 

Finance plays a crucial role in the economy by smoothing the flow of funds and helping individuals and organizations make informed financial decisions.

Read also: Finance vs Banking: Difference Between Finance and Banking

What are the Benefits of Implementing Personal Finance Project

Beyond concrete money management skills, personal finance projects offer many additional benefits to middle and high school students:

Critical Thinking:  Students learn to analyze financial situations, make informed decisions, and solve real-world problems, enhancing their critical thinking skills.

Financial Literacy:  Students develop a deeper understanding of financial concepts and terminology by engaging in hands-on projects, improving their overall financial literacy.

Empowerment:  Personal finance projects empower students to take control of their financial futures, instilling a sense of independence and confidence in their ability to manage money effectively.

Collaboration:  Group projects foster teamwork and collaboration, teaching students how to work effectively with others to achieve common goals.

Life Skills:  Beyond financial concepts, students learn important life skills like goal setting, communication, organization, and problem-solving through personal finance projects.

Long-Term Impact:  The knowledge and skills gained from personal finance projects have a lasting impact, preparing students to make sound financial decisions.

Community Engagement:  Projects involving community outreach or service provide students with opportunities to give back and positively impact their communities.

Career Readiness:  Personal finance projects can also help students develop valuable skills in the workplace, such as budgeting, financial analysis, and communication.

Financial Responsibility:  By engaging in projects that require them to manage money responsibly. Students can develop financial responsibility and learn the importance of living within their means.

 Implementing personal finance projects in middle and high school settings offers numerous benefits. It is beyond just financial knowledge, helping prepare students for success in their personal and professional lives.

Read also: How to Calculate Math of Personal Finance?

Best 10 Personal Finance Project Examples and Ideas

Do you want to introduce the personal finance project to your students? Check the finance project for high school students. I find fun and interesting personal finance projects examples that other educators can use.

It would be helpful to highlight them in this article. Students can use financial literacy in the class of these projects, mainly at home, if they do not have a fit class.

Below, you will find 10 actual personal finance projects examples and ideas from real classrooms and high schools that have not been done before.

• Budgeting Boot camp: Teach students how to create a budget for themselves. Provide scenarios with different income levels and expenses like rent, groceries, and entertainment. Have students track their spending and adjust their budgets accordingly. This project helps students understand the importance of budgeting and managing money wisely.
• Investment Adventure: Introduce students to investing by creating a simulated investment portfolio. They can research stocks, bonds, and mutual funds and track their performance. This project teaches students about investment strategies, risk management, and the power of compound interest.
• Financial Goal Setting: Guide students in setting their short-term and long-term financial goals. Whether saving for college, buying a car, or starting a business, students will learn how to develop a plan to achieve their goals. This project instills the importance of goal setting and financial planning.
• Credit Card Challenge : Help students understand the responsibilities and risks associated with credit cards. Have them research different credit card options, learn about interest rates and fees, and create a plan for using credit responsibly. This project promotes financial literacy and helps students make informed credit decisions.
• Entrepreneurship Expedition: Encourage students to explore their entrepreneurial spirit by creating a business plan for a startup venture. They can brainstorm business ideas, conduct market research, develop marketing strategies, and create financial projections. This project fosters creativity, critical thinking, and business acumen.
• Savings Simulation: Create a simulation where students have to save for a specific financial goal, such as a vacation or a major purchase. They’ll learn to set aside money regularly, prioritize spending, and make sacrifices to reach their savings goals. This project teaches the importance of disciplined saving habits.
• Real-Life Money Management: Assign students real-life financial tasks, like comparing insurance quotes, understanding tax forms, or researching student loans. This hands-on approach gives students practical experience with everyday financial decisions. They’ll develop essential money management skills that apply to their lives.
• Personal Finance Podcast: Have students create personal finance podcast episodes on budgeting, investing, or credit management. They’ll research, script, and record episodes to share with their peers. This project enhances communication skills while promoting financial literacy among students.
• Community Financial Education Event: Organize a financial education event with local organizations or businesses. Students can plan workshops, presentations, or budgeting, saving, and investing activities. This project educates students and benefits the wider community by promoting financial literacy.
• Financial Literacy Fair: Host a financial literacy fair where students can showcase their knowledge and projects to their peers and the community. They can create interactive booths, games, or presentations on various personal finance topics. This event raises awareness about financial literacy and engages students in a fun and educational way.

These personal finance projects ideas provide practical, hands-on learning experiences that empower students to make informed financial decisions and prepare for their financial futures.

I hope these personal finance project examples inspired you.

Read also: What Qualifications Need for Public Finance Investment Banking Job.

Top 10 Creative Personal Finance Projects for Students

Here are the top 10 personal finance projects for Students

Financial independence Project

In this project, students prepare to live independently after school. They get a hypothetical income, find an apartment, look up utility costs, and budget for groceries and transportation. They make decisions based on their income to manage their expenses wisely.

Saving and Budgeting projects

Budgeting and saving projects show students how to track their income and expenses and distinguish between needs and wants. They make monthly budgets based on realistic incomes. Students open simulated bank accounts to learn about saving and calculate the interest they’ll earn over time.

Investing Projects

Investing projects teach students about market basics such as stocks, bonds, mutual funds, compound interest, and risk tolerance. They research companies, choose stocks, monitor their values, and create diversified portfolios to gain hands-on experience with investing.

Credit & Debit Projects

Building good credit and avoiding harmful debt is crucial in personal finance education. Students explore factors affecting credit scores and compare financial products such as credit cards and loans, considering their costs and potential risks and benefits. This helps students make informed decisions and develop responsible financial habits.

Insurance Projects

In risk management lessons, students study various insurance types like health, life, auto, home, disability, and long-term care. They examine sample policies and calculate suitable coverage amounts using case studies. This helps them understand the importance of insurance and how to protect themselves financially against unforeseen events.

Tax Projects

In this project, students study common tax forms and practice filling out 1040EZ forms. They understand how income, deductions, and life choices impact tax liability. Additionally, they explore concepts like sales, property, and payroll tax to understand taxation comprehensively.

Buyer’s Remorse Project

In this project, students monitor their spending habits and classify expenses such as food, entertainment, shopping, and bills. They reflect on whether purchases were responsible or justified, leading to buyer’s remorse. This encourages thoughtful spending habits and helps students become more mindful of their financial choices.

Financial Planner Simulation

In this project, students are given a fictional client persona, like “Jeff, 28, IT Consultant.” They interview their client to gather information about their income, expenses, lifestyle, and short- and long-term money goals. Students then analyze their client’s needs and provide written financial planning recommendations tailored to their situation. This exercise helps students develop financial assessment and advisory skills, preparing them for real-world scenarios in financial planning.

My Pet Plan Project

In this project, students explore financial planning and responsibility by researching the costs associated with their dream pet. They compare pet food, supplies, veterinary care, grooming, boarding, and accessories expenses. Using this information, they create budgets to cover all the expenses associated with owning and caring for their pet. This project helps students understand the financial commitments involved in pet ownership and develop budgeting skills.

Market Day Entrepreneur Project

In this business project, students brainstorm ideas for products or services, create detailed business plans, and implement them by setting up booths and selling to their peers at a Market Day fair. This hands-on experience allows students to learn about entrepreneurship, marketing, and sales while gaining practical business skills.

Personal Finance Culminating Assignment 

In this capstone project, students undertake various tasks to enhance their financial literacy. These tasks include tracking daily expenses, setting SMART financial goals, comparing checking accounts, understanding tax forms, and reflecting on their money personality and relationship with finances. Students develop practical money management skills through these activities and gain insights into their financial behaviors and attitudes.

Final Thought

This guide only touches on many personal finance projects accessible to middle and high school students today. Educators can continually innovate and adapt projects to suit their curriculum and the needs of their learners, fostering engagement and relevance.

The fundamental concepts like budgeting, saving, investing, insurance, taxes, consumer literacy, and risk management remain constant. Hands-on learning through individual and group projects equips students with essential personal finance skills for life. Let’s empower the next generation with the knowledge and confidence to attain financial independence.

Read also: Mid Florida Finance Industry Overview

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The  Foundations in Personal Finance  curriculum meets or exceeds standards in all 50 states. The curriculum also meets all national standards for personal finance.

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Table of Contents

The  Foundations in Personal Finance  high school curriculum consists of 13 chapters of essential personal finance principles like how to budget, save, avoid debt, invest, be a wise consumer and much more!

Chapter 1: Introduction to Personal Finance

• Lesson 1: Personal Finance and You
• Lesson 2: A History of Credit and Debt
• Lesson 3: It’s Time for a Change
• Lesson 4: The Road to Financial Success
• Lesson 5: Financial Literacy
• Lesson 6: Money Personalities and Relationships

Chapter 2: Budgeting Basics

• Lesson 1: The Benefits of Budgeting
• Lesson 2:  Components of a Budget
• Lesson 3: Building a Zero-Based Budget
• Lesson 4: Tracking Your Expenses
• Lesson 5: Making Budgeting a Habit
• Lesson 6: Relationships and Budgeting

Chapter 3: Saving Money 

• Lesson 1: Saving Money Takes Discipline
• Lesson 2:  Three Basic Reasons to Save
• Lesson 3: Saving for Emergencies 
• Lesson 4: Saving for Large Purchases  
• Lesson 5: Building Wealth
• Lesson 6: Compound Interest and Growth   

Chapter 4: Credit and Debt 

• Lesson 1: Beware of Credit and Debt 
• Lesson 2:  Sources and Types of Credit
• Lesson 3: Credit Scores and Credit Reports  
• Lesson 4: The Truth About Credit Cards   
• Lesson 5: The Truth About Car Loans 
• Lesson 6: Getting and Staying Out of Debt    

Chapter 5: Consumer Awareness

• Lesson 1: The Psychology of Sales
• Lesson 2:  Buyer Beware
• Lesson 3: The Marketing Machine  
• Lesson 4: Becoming a Smart Spender
• Lesson 5: Protecting Yourself as a Consumer
• Lesson 6: Your Spending Behavior

Chapter 6: Career Readiness

• Lesson 1: Work Matters
• Lesson 2:  Resumé and Interview Basics
• Lesson 3: An Entrepreneurial Mindset
• Lesson 4: The Path to Your Dream Job
• Lesson 5: Exploring Career Options 
• Lesson 6: Be a Lifelong Learner

Chapter 7: College Planning

• Lesson 1: The Path to Intentionality
• Lesson 2:  Explore Your Options
• Lesson 3: Consider the Cost
• Lesson 4: Reduce Your Cost
• Lesson 5: Build Your College Resume
• Lesson 6: Maximize Your Investment

Chapter 8: Financial Services

• Lesson 1: The Purpose of Banks
• Lesson 2:  Types of Financial Institutions
• Lesson 3: Your Banks Accounts
• Lesson 4: Responsible Banking

Chapter 9: The Role of Insurance

• Lesson 1: Insurance is Important
• Lesson 2:  Auto Insurance
• Lesson 3: Homeowners and Renters Insurance
• Lesson 4: Health Insurance
• Lesson 5:  Life Insurance
• Lesson 6:  Other Types of Insurances

Chapter 10: Income and Taxes

• Lesson 1: What Happened to my Money
• Lesson 2:  Taxes on Your Paycheck
• Lesson 3: Income Tax Basics
• Lesson 4: Filing Your Income Taxes
• Lesson 5:  Taxes on Other Types of Income
• Lesson 6:  Taxes on Things You Buy

Chapter 11: Housing and Real Estate

• Lesson 1: Living On Your Own
• Lesson 2:  Renting Vs. Owning
• Lesson 3:  Renting 101
• Lesson 4: Buying a House

Chapter 12: Investing and Retirement

• Lesson 1: Money For the Future
• Lesson 2:  Understanding Investments
• Lesson 3:  Investing Through Retirement Plans
• Lesson 4: Protecting Your Investments
• Lesson 5:  Planning For Retirement 
• Lesson 6:  Outrageous Generosity

Chapter 13: Global Economics

• Lesson 1: Macroeconomics and Global Activity
• Lesson 2:  Economic Systems
• Lesson 3:  The U.S. Economy
• Lesson 4: Thinking Globally

Frequently Asked Questions

You asked, we answered. Here are some of our most frequently asked questions about  Foundations in Personal Finance: High School Edition .

Does  Foundations in Personal Finance  support online/virtual learning?

Yes!  Foundations in Personal Finance  is available in a fully digital option, as well as a print and streaming option. No matter what delivery method you choose, you’ll get a printed Teacher Guide.

Does  Foundations in Personal Finance  meet state and national standards?

Yes! The  Foundations in Personal Finance  curriculum meets state and national standards for personal financial literacy. See the standards correlations for your state for more information.

Does  Foundations in Personal Finance  support differentiated learning?

Yes! We have extended learning prompts specifically for differentiated learning in the Teacher Guide.

Are lesson plans and classroom activities included?

Yes!  Foundations in Personal Finance  is full of ready-to-teach classroom activities and lesson plans that will help you save time and allow you to feel confident about teaching  Foundations .

How do I get a quote for Foundations in Personal Finance?

Simply fill out the form above, and our team will reach out to you to provide a quote based on your class size and student needs.

How long does it take to teach Foundations in Personal Finance?

Foundations in Personal Finance  is designed as a semester-long course with stand-alone chapters. We provide you with 45-, 90- and 180-day pacing guides that you can choose from, but if you don’t need a full semester course, the stand-alone chapters allow you to make the course fit  your  schedule—not the other way around.

How many schools use Foundations in Personal Finance?

More than 45% of schools across the country have used the  Foundations  curriculum. This means more than 7 million students have learned how to budget, save, spend wisely, and invest. It’s a generation equipped to live out their dreams and give to the world around them.

Don't see what you're looking for? Contact your state's Curriculum Advisor at  615.843.9439

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Getting Started Teaching Personal Finance

Lessons on credit and credit cards, taxes, and how to find an apartment and make the rent are invaluable for high school students.

Teaching students about the value of money is an important part of their learning, and many educators are starting to offer instruction in financial literacy, from embedding finance standards in math or social studies and economics to adding stand-alone personal finance courses to graduation requirements.

How do we make these very important, yet sometimes very dry, topics stick with kids? After 13 years of surveying students’ financial goals and interests, I’ve found that students’ goals repeatedly fall into three main areas:

• Living on their own
• Credit and credit cards

Here is a beginner’s guide to building hands-on and real-world opportunities into personal finance education.

Living on Their Own

Apartment hunting is a homework assignment that requires students to compare rental options through ads and then actually go to an apartment complex (apartment complexes are key because of the on-site sales staff), tour it, and figure out the actual cost of moving in, including the deposits. Students must be 18 or have someone who is 18 with them to tour an apartment. Often, parents or guardians, or older siblings, accompany my students.

I also have the students call up the local energy company for a suggested per-month cost and also ask their insurance agent for a renter’s insurance estimate. Professionals in these industries are always eager to help students.

Moving out: I assign a moving-out questionnaire for students to fill out with their families. This includes questions about what factors will indicate that everyone is ready for the child to move out. The form asks about support after moving out and if that support (monetary or emotional) is contingent on anything—roommates, grades, children, and so on. Also, would the student ever be able to move back in, and under what circumstances? Parents really like this assignment because it gives them a chance to have these very hard but very important conversations with their kids.

Budgeting: If the students don’t know how to budget, they’ll soon be moving back in with their families. Learning how to budget includes preparing family meals that meet nutritional guidelines and also are within an assigned budget. We play The Bean Game , a hands-on game where the students practice budgeting with beans (I use Smarties) on a set of playing cards that outline spending choices and costs. I initially got this activity from our local extension office, but Next Gen Personal Finance has a version of it too. I used Next Gen’s version while teaching online during quarantine. They have all the playing cards loaded into a spreadsheet for digital play. Another great hands-on activity for budgeting is utilizing Junior Achievement Finance Park , a budgeting simulation for personal financial planning and career exploration.

Junior Achievement just rolled out a new curriculum for middle school and high school. My high school students budgeted for four different life stages—teenager, young adult, working adult, and nearing retirement—all while making life decisions like getting married, having children, or adopting pets. In the culminating activity of the unit, I have students research and complete a full budget for when they move out. They’re normally pretty shocked about the cost of living independently and realize that the dream of moving out is a little further off than they thought.

Savings: After stressing the importance of savings, I incorporate how to save into the budgeting activities. I set up the Bean Game to include layoffs or injuries or broken pipes—if the students have enough beans saved, they will be OK; otherwise, they may have to move into their family’s basement. I like to have students play this in pairs, as it helps show the importance of communicating about money with partners. Students also have to set aside money for savings during the JA Finance Park, as well as for the moving-out budget at the end of the unit.

Credit and Credit Cards

Many kids are wary about credit, and rightfully so. I stress the importance of staying within their means. We learn about credit scores through a Jenga game that shows how credit scores are affected. Each block has an event that may increase or decrease their credit score as they go through the game. Students keep track of the ups and downs of their credit during the events they encounter.

Then we do a four corners activity with real credit card offers. I have students compare them, stating which one they would want and why. We discuss how each might work in different situations and that if they don’t feel like they can handle credit responsibly yet, then they shouldn’t try.

Believe it or not, I actually have students tell me they’ve been waiting their entire school career to learn about taxes. Taxes can be scary. I start this topic with an overview of the taxes we have in the U.S. and where the money collected for them goes. Most students don’t realize there are five main tax avenues (income, payroll, sales, excise, property) throughout federal, state, and local governments, and they have no idea about all the things they rely on in daily life that are possible because of taxes.

After we feel like we understand the what and the why, we focus on the how. The IRS has some great simulations to help teach taxes to students. They will walk students through filling out a W4 and a 1040.

I like to remind my students that they don’t have to be able to do everything. That’s why we have tax professionals, real estate agents, financial consultants, etc. If my students can recognize their strengths and weaknesses, and find resources as needed, I’ve done my job.

4 Budget Projects High School Students Will Have Fun Learning From

By: Author Amanda L. Grossman

Posted on Last updated: May 9, 2024

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These are budget projects high school students will get excited about – both fun and a great learning experience to understand money better.

Need a project-based way to teach your teens about managing a limited set of money?

These budget projects for high school students will help them to self-discover some pretty important money lessons, such as:

• How to prioritize and track bill payment
• How a person’s job and life choices can affect their money obligations
• How to do real-world money math in various scenarios
• How a teen can improve their budget

And I’m starting the list off with my favorite budget project!

Budget Projects for High School Students

We’re going to start off these budget projects with my very new one, a bill-paying budget project scenario.

Stick around for the other three, too!

Hint: you'll also want to check out my article on how to teach budgeting , from beginner to advanced levels.

1. Bill-Paying Budget Project

Bill-paying is not something we’re born knowing how to do.

And it can feel like a slap in the face when you hit the real world and suddenly must be able to:

• Keep track of varying bill due dates
• Manage paydays, which usually come on different dates of the month than when bills are due
• Track what was already paid, and what hasn’t been paid yet, so that you recognize if a bill is missing (bills are due regardless of whether or not they got lost in the mail)

Most teenagers never deal with a monthly bill due date until they hit the real world – and at that point, slipping up can mean late fees, services turned off, lower credit scores, etc.

Why not give them a heads-up by working on a bill-paying budget project ahead of time?

Here’s a 30-day budget project, including a printable pack I created and am giving away for free for now (yes, I have plans on charging for this in the future – so go ahead and grab a copy!).

Step #1: Assign a Job + Bills with Due Dates

At the beginning of the month, assign your high school students one of four jobs. Based on the job they get, they’ll be assigned a list of bills with due dates, and a blank monthly money calendar.

Let your students know they’ll be paying bills over the course of the next month, according to when they are due. Also, tell the students there will be two paydays for the month, and that they’ll be paid pretend money on these days (here is free printable money for kids ).

They’ll take their bills sheet, and correctly fill in their monthly money calendar with each of the due dates, plus their paydays. They are then responsible for paying each of these bills by the due date (or face a late fee).

You can choose how to keep track of everything, but I would recommend a bill pay pocket chart.

Here’s how I set mine up to test everything out:

These two items were enough for a class of 30 students:

• Pocket Chart
• Pretend Money

Step #2: Set Up a Bill Paying Station

You’ll need an area of the classroom to collect their money and to sign off on their bill-paying sheet to show they’ve paid.

The person in charge of this can be a teacher, teacher’s aide, or student treasurer (you can switch out each week who fulfills this role). 

Choose what schedule the bill-paying station will be open, and use the printable bill-pay chart to communicate times/dates.

Step #3: Run the Month-Long Simulation

Students are now in charge of paying their bills, as they become due (or ahead of time). The treasurer/banker is in charge of keeping the bill-paying station running, as well as filling in the one-sheet student ledger for when each person pays and how much they end up paying.

And someone else (perhaps the teacher) is in charge of paying the students on each of the two paydays.

At the end of the month, there is a set of reflection questions for students to fill out.  

Bonus: Tradeoffs and Prioritizing Money

To increase the “budgeting” part of this, you could come up with things that pretend money can buy.

This would mean that the students need to prioritize their money and make sure they have enough of it left to pay for each bill by its deadline.

For tight budgets, you can use privileges.

• $10 buys you 5 extra minutes on an educational computer game
• $15 buys you one late homework pass
• $XX buys you XXX
• Etc.  

Could make things more interesting!

Hint: you'll also want to check out my article on how to teach budgeting .

2. Three-Budget-Scenarios Project

Have you checked out my article on sample budgets for an 18-year-old ?

One of the things I stress is a teen should create a budget for more than one scenario for their next step in life since an older teen’s life opportunities can change so quickly.

Hint: you could show one of these free financial literacy movies for students as to why they need backup plans.

You can take your own high school students through this, as a project.

Step #1: Download a Teen Budget Worksheet

Choose a teen budget worksheet for your students (you can get mine, for free, below), and print out three copies each.

Step #2: Brainstorm Next-Step Scenarios in Teen’s Lives

Get your students to help you brainstorm some common (and not-so-common) next steps that can happen in a teen’s life.

• Getting a first apartment alone
• Getting a first apartment with a roommate
• Going to college
• Going to a trade school
• Living with parents with new money responsibilities (like paying rent)
• Taking a gap year/traveling for a while

Step #3: Pick 3 Scenarios to Create a Budget Around

Either pick three scenarios from the brainstormed list that every student in your entire class will work on, or let your students pick three different scenarios they’re thinking about living out after they graduate.

Hint: one of the scenarios can be to create a teen budget for their life right now. Then, they can choose their ideal scenario to budget around, and finally, their backup plan scenario to budget around.

Help your students to first brainstorm the budget line items for each scenario.

For example, for a first-apartment scenario, they would want to include:

• Utilities (water, electricity, natural gas, trash pick-up, etc.)
• Transportation costs

Step #4: Compare and Discuss Pros/Cons

Ultimately, you want your teen students to see how much they’ll need to earn in order to survive on each of three different scenarios.

You’ll then want to guide discussion on the pros and cons, from a financial perspective to each of the three different paths post-high school.

3. End-of-Year Class Party Budget Project

Decide to throw an end-of-year party for your class, and let them not only handle most of the logistics but also handle the budgeting for it.

You’ll need to have a budget for this, which can be gained from fundraising, donations, etc.

Have each student in the class be in charge of something, perhaps broken up into groups. Then, have the entire class be in charge of the big budget decisions.

Budget decisions to be made:

• How to raise the money (if it’s not provided)
• What percentage of money to spend in each category (food, decorations, entertainment, etc.)
• Any rules or limitations when spending the money, as well as basic party setup (also great for teachers to provide their own rules and limitations – but you already knew that!)
• This or That scenario, where the class must decide on budgeting priorities (for example, would they rather have decorations or more money spent on the food?)

There are also some great budgeting decisions that need to be made at the group level.

Group budget decisions to be made:

• Specific items to purchase with the overall budget
• Amount of money to spend on each item
• Research the cost of an item online vs. in-store, and weigh which one is better to purchase (take into consideration the cost of gas and cost of shipping to get the item, whether or not you can find an online coupon or regular coupon to use, quality of product and how many times it’ll get used, etc.)

4. Fun Budgeting Simulation

Did you know I have a free, fun budget activity PDF for high school students?

Students use a fun fortune teller to be assigned one of 4 avatars, with a backstory that includes:

• Career stage
• Lifestyle stage
• Salary info
• Budgeting info

They’re asked to fill in a budget worksheet based on their brief. Then, they’re thrown a few budgeting scenarios where they need to think on their feet (based on the budget info they filled out) about how to handle it.

Things like:

• New job/lost job
• Hurricane soaks your belongings

It’s pretty fun!

Psst: you'll also want to check out these personal finance project examples .

I hope I’ve shown you some budget projects high school students can really get behind because they’re at least a bit fun, they teach real-life information, and they’ll make them think. I’d love to hear from you as far as how it goes!  

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Programs help Michigan high schoolers meet new personal finance requirement

A law passed in 2022 requires Michigan students take a one-half credit course in personal finance. Beginning with this year’s incoming freshman class, it’s a high school graduation requirement.

“Junior Achievement partnered with Michigan educators, business leaders, and policy makers to ensure that students across the state could achieve the new personal finance requirements for high school graduation.”

William Coderre is President and CEO of Junior Achievement of the Michigan Great Lakes, a Grand Rapids-based organization that provides learning experiences aligned with state and national standards.

“Our partnership with the Michigan Department of Education this past school year was to get the infrastructure in place so that we could offer these programs to all school districts that wanted to have it at no cost to them.”

As part of that process, a survey of teachers who took part in those personal finance programs found that 95% of teachers felt their classes gained substantial knowledge in managing their finances, and 100% of the teachers said they would use them again.

“Our focus is really giving young people the skillset and the mindset to build thriving local communities because if we have thriving local communities, we’ll have thriving regions, we’ll have a thriving Michigan, and we’ll have a thriving U.S. economy.”

Coderre says he hopes Junior Achievement can continue to help students beyond the 47,000 in 50 counties they’ve already helped meet their personal finance goals.

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Christian Sherrill was trying to corral the attention of 150 students wrapping up a classroom activity and chatting with each other about their results. A handful were getting water refills, others were checking their phones.

“If you can hear my voice, clap once,” Sherrill’s voice boomed. A few people clapped, the room quieted slightly. “If you can hear my voice, clap twice.” More eyes turned toward the presentation screen. Most — not all — of the conversations subsided.

The activity was a personal budgeting exercise, and Sherrill’s lively pupils were all teachers themselves, from middle schools and high schools around Connecticut. They’d gathered in a New Haven conference center on a sunny summer day to try out lesson plans, ask questions and gain the confidence they’d need to teach a newly required course to their students: personal financial management and financial literacy.

Gov. Ned Lamont signed  legislation last year  requiring the half-credit course in order to graduate from the state’s public schools. At the time, he called it “one of the most important instructional tools that we can give young people to achieve economic independence and stability throughout their lives.”

In testimony supporting the bill,  state Treasurer Erick Russell  noted that many high schools in the state already offered a personal finance course as an elective, and the state Board of Education had  published curricula  for the program. But none of the schools with courses already on the books were in Connecticut’s largest cities, Russell pointed out, “which only serves to exacerbate gaps in achievement and wealth.”

In the year since the legislation passed, those districts have been working to catch up. 

They’ve received support from nonprofit groups like California-based Next Gen Personal Finance, which offers  free lesson plans  and professional development seminars for teachers — like the one in New Haven last week. The organization held 15 such workshops, dubbed “FinCamp,” around the country this summer; Connecticut’s was the largest.

Roughly 60 teachers in attendance received a $500 stipend to be there, funded by a separate nonprofit, Connecticut Financial Scholars. That organization, which started in Philadelphia, recently set up shop in Connecticut, where it’s working to  expand financial education  offerings beyond the semester-long requirement — including things like summer enrichment and entrepreneurship training for students, as well as financial empowerment workshops for parents. The group targets its efforts in lower-income,  higher-need school districts .

“You have big school districts who have to teach this, and their teachers have never taught this before. That’s a huge access and equity issue,” Nancy Kail, program director for CT Financial Scholars, said. Her organization aims to fill that gap. Kail was on site at the Next Gen Personal Finance “FinCamp” last week to observe and offer teacher support. 

The personal budgeting exercise, a lesson NGPF calls “Budget Frenzy,” kicked off the day’s proceedings.

Each student was told to imagine themself at 22, living with a roommate (some teachers groaned audibly). They were given a personal budget, somewhat arbitrarily, and instructed to decide whether they’d spend that money on a series of 30 items that appeared one after the other on the presentation screen. 

The items ranged from going out to lunch with friends to buying a new smartphone to getting an oil change. And some of them, like the oil change, had more expensive consequences later on in the game if the player had chosen not to spend money on them. 

“Budgeting decisions have consequences,” Sherrill sing-songed as he clicked to the next slide.

After the activity, Sherrill passed the mic around to a few teachers who had ideas about how to customize the game for their students — adding things like streaming subscriptions or going to the nail salon. He showed the teachers where to find materials for the lesson plan on NGPF’s website, along with other lessons in the budgeting module.

Cynthia Lisinicchia, a math teacher at Bridgeport Military Academy, said she was “really interested” in the financial literacy curriculum because she doesn’t want her students to start off on the wrong foot — like she feels she did. Lisinicchia said she signed up for a credit card when she was in college not knowing much about how they worked, and she bought a brand new sports car after graduating without negotiating on the price. 

“All the things I did not know, oh my gosh!” Lisinicchia said. “So I’m always telling my students the key isn’t how much money you make, it’s what you do with the money that you have. You’ve got to start out not making mistakes.”

Lisinicchia and her fellow teachers had the chance to try out another lesson, focused specifically on how credit cards work, later that morning.

NGPF instructor Amanda Volz told the teachers to put themselves in the mindset of one of their students and think of “a big-ticket item” they might want to buy with a credit card, then search the internet to figure out what that item generally costs. Next, using a  free online tool , they were told to enter the price, the credit card interest rate (Volz suggested 19.9%) and a minimum monthly payment (either 3% of the purchase price or $25, whichever was higher). The tool calculated how much it would cost to pay off that purchase, as well as the difference between that total and the item’s original pricetag.

In the case of the $900 iPhone Volz used as an example, the interest added up to $421. “I hear some reactions to that,” she said, smiling. “And hopefully, maybe your students would have some reactions to that.” Volz then adjusted the monthly payment to $50 and interest dropped to $177. “A little aha moment,” she said. 

Gwen Rice, a math teacher at West Haven High School, chose a pair of $350 Beats by Dre headphones — which she said are popular with her students — and ran the numbers. They would take 17 months to pay off, with $51 in additional interest.

Rice said she has used the tool in her classes before. She’s now developing an “Intro to Investing” course and she’s exploring additional curriculum to integrate into that program.

At a reception following the FinCamp seminar, Treasurer Erick Russell made an appearance and thanked the teachers for their work. He said, for him, the new state requirement was “personal.”

“There are a lot of things I look back on and wish I knew a little earlier. I wish I had courses like this when I was in high school so I didn’t make some of the silly mistakes that many people do. I wish I knew that about compounding interest. I wish I knew about different ways to finance my future education,” he said. 

“There’s a lot that you learn about in school that you kind of finish your class and you’ll never think about it again,” he said. “The tools that you learn around financial education are things that we all use and build on every single day.”

This story was originally published at CT Mirror

Articles by Erica E. Phillips

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Personal Finance

Personal finance encompasses the whole universe of managing individual and family finances, taking responsibility for your current and future financial situation, and setting financial goals. It also includes handling individual financial tasks and saving for emergencies.

Personal finance is about meeting your financial goals and understanding all the routes to do this, from saving and investing, and keeping debt under control, to buying a home to planning for retirement —and  coming up with a plan to accomplish these goals.It’s also the name of the industry that provides financial products to meet these goals.

Not getting control of your personal finances can leave you unprotected when a crisis comes along–whether it’s an illness, an unexpected job loss , or the death of the family breadwinner. The pandemic that began in March 2020 showed all of these issues in sharp relief and showed the importance of planning for emergencies .

What the pandemic showed is that people are a lot more secure if they have an emergency fund , have l earned to budget and have created a financial plan–one with a Plan B and Plan C. Those who haven’t done these things, should get busy doing them. It–and the war in Ukraine–are both wake-up calls that stock market crashes can happen abruptly in a crisis and that everyone needs a crisis investment plan .

For starters, you need to buy at least the minimum amount for your state. The two types of liability coverage for an auto accident are bodily injury liability (for injury to other people) and property damage liability (for property damage). Bodily injury liability specifies  both a per-person liability and a total liability per accident. For any damage outside of that you will need to pay personally, unless you have an umbrella insurance policy to make up the difference.

It's certainly looking that way. Even Warren Buffett had to switch to one in 2020. Banking is increasingly done online, budgeting apps are more convenient to use with a phone than a desktop or laptop, and it’s easier to check on your investments. And at work and elsewhere, two-factor authentication pretty much requires having a phone. So goes getting an Uber or Lyft .

If you need to move large amounts of money, a wire transfer–either bank to bank or via an agent such as Western Union–is the safest way to go. Expect to pay a fee and review the fine print before you agree to the transfer. It may take a few hours or days, depending on the details. Note that a wire transfer is different from an Automated Clearing House (ACH) transfer . Those are used to pay bills or move money between linked accounts.

Managing your money—including saving, investing, and setting financial goals—are all part of personal finance. So are areas like budgeting, retirement planning, and saving for your children’s college educations.

This free document-scanning and filing app from Google photographs documents like bills and receipts, and stores them as pdfs. It’s only available for Android phones and tablets, not Apple products.

This is the plan you need when your car breaks down on the road. You can get this coverage from your auto insurance company, or from AAA or your credit card. Even your cellphone provider might offer  it. Your vehicle’s age and mileage might be an issue on the coverage you can get, and there will likely be limits on how far you can be towed and how many service calls you get per year. Your car warranty may also cover assistance for a newer car.

Your assets and liabilities–summarized on a document or spreadsheet–are what constitute a personal financial statement. Subtracting your liabilities.  from your assets will yield your net worth. You will need a personal financial statement if you are applying for a mortgage or other loan. It will also let you track your personal worth over time. Interestingly, personal property like jewelry and antiques aren’t generally included in a personal financial statement.

People with disabilities who hope to return to work often worry that they will lose their Medicare disability coverage. This government program allows them to keep their coverage for at least 8½ years. Ticket Holders can receive employment and other services from qualified service providers.

Explore Personal Finance

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Students are asked to explore the universe's beginnings and answer who created it. They are asked to comment on the origin of evil and whether evil had a specific start or has always existed. Students are also asked to discuss whether humans are naturally good, evil or neither.

The questions call for examining morality and religion, including an overview of Christianity , its beliefs, practices and values. Lastly, students are asked questions like, “Is God real? Is satan real?”

Netizens react

Netizens reacted to the questions and expressed surprise and shock at the same time.

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“So now she is being FORCED to spill her personal beliefs and will be graded on such?” posted another.

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Personal finance tips for student journalists: Navigating your first job offer, budgeting and more

Julia carpenter of the wall street journal offered advice for young journalists on negotiating, budgeting, benefits and more..

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You’ve probably heard from a professor, parent or friend who’s a business major: “You won’t get rich as a journalist.”

That may well be true — entry-level jobs don’t often pay well, and wages throughout the industry haven’t kept up with the cost of living. But what does that mean for your daily life, and how can you make smart financial decisions as you enter the workforce?

I brought these questions to Julia Carpenter , who writes about personal finance for The Wall Street Journal. Her reporting examines the traditional financial milestones that feel increasingly out of reach: owning a home, living debt-free, retiring on your own terms. My favorite piece of hers is The Nest Egg Game , a Game of Life-esque interactive where you can see how different financial choices affect a cartoon egg’s hypothetical future.

Carpenter offered advice for young journalists on negotiating, budgeting, benefits and more based on her expertise and her personal experience. This interview has been edited for length and clarity.

Looking back on the start of your journalism career, is there anything you wish you’d done differently financially? What do you wish you’d known?

My first job in journalism was as a contract employee at The Washington Post. As a contract employee, you have to save money for taxes. I had a guesstimate of how much I’d need, so I saved it, but then when tax season came around, it was more than I’d saved, so I had to stretch the last bit to make sure I could pay it. I wish I’d known the tax implications of working freelance or contract.

I also wish I’d known that journalism is an industry in which you can negotiate your salary. I didn’t negotiate for my first five years! I didn’t know I could and there was that wiggle room. I didn’t think to question what the offer was, what my peers make, what job I’m doing compared to them, what other outlets are paying.

Early in my career, I was working at a place that offered a 401k match — a small match, but it was significant for my small retirement account. I didn’t know to take advantage of that and didn’t do that for the first two years. It’s free money!

Negotiating can be stressful when you haven’t had a previous full-time job. How can students figure out what’s a reasonable amount to ask for, and how should they approach negotiating?

It’s an important calculation, and it’s super specific to where your publication is and what it’s historically offered people. The No. 1 thing I tell people to do is talk to their peers and ask what they make. It can be uncomfortable, but people won’t be shocked if you reach out and tell them you’re interviewing for a job at their publication; can they gut check you on the salary offer or what you’re asking for?

Sites like Glassdoor and Indeed will post positions and crowdsourced reports of what people make. That helped me realize that the salary jump between writers and editors is really big at this place, but not as big at this other place.

Finally, script out what you’re going to say and practice it with a friend. It sounds hokey, but I still do it to prepare myself. You won’t regret negotiating. If anything, I regret the times I didn’t go one more round and ask for more.

What should journalists look for in their first job offer, including benefits? What are red flags?

For any full-time position, I’d have a friend look over the contract as well and see if they notice anything. Maybe the company isn’t offering a 401k match, or the vacation time is low, or there’s no flexibility to work from home. If they won’t give you particulars on health care or elaborate on what they’ll pay for, just ask. Always ask for more information on benefits than less. It’s not a big deal for HR to send to you and talk it out with you; they’re used to people asking those questions.

Any newsroom in this day and age that doesn’t offer time off for bereavement or mental health needs to provide that. That’s a major red flag for me. If you don’t get comp time or PTO, that’s something to pay attention to, because it’s probably a place that’s not prioritizing that.

Ask about career advancement, too: “I’m coming into this role, I’m excited, and I want to know what you do in your organization to advance young journalists like me. Can you point to somebody who’s excelled and modeled the track for someone like me?” Are there opportunities for growth? Or do the young people burn out, or stagnate at one level? Those are big red flags.

If students are considering going to graduate school vs. looking for a job, what financial factors should they consider?

Be really careful of taking on more debt as a default because you couldn’t find a job right away, or couldn’t find the right job right away. In our industry, having a background in a newsroom before you go into the classroom again is something people respect and admire.

A lot of people say the most valuable part of grad school is the connection to jobs and on-the-job training. That’s something you don’t have to pay for. If you’re considering applying to school or taking an internship after graduating, an internship can be a great solution for making connections and getting established.

Don’t just pretend the industry will be in better shape in a few years when you’re out of school, and be wary of the amount of debt you have.

How should journalists approach building a budget if they’re not earning a lot in their first jobs — especially if they have student loan debt?

I’m a big believer in there’s no “size fits all” budget . Some people download apps, others prefer pen and paper; some operate with an “abundance” mindset, others with a scarcity mindset. But I think the No. 1 most important thing to do is consider style of budget as you first approach the process.

You don’t have to copy out the same spreadsheet your friend uses or follow the steps that haven’t worked for you in the past. You can experiment with different styles — do you break everything up into spending categories? allot money by months or weeks or seasons? — and settle on what works for you.

Are there any financial tools or resources you recommend for student journalists or those early in their careers?

The most important resource: your friends and peers! People in your age group, at your career level, making similar money and managing with similar financial obligations. Also, sign up for our WSJ Six-Week Money Challenge (it’s free!). I know I co-wrote it, but I really recommend the recipe-inspired, easy-to-follow challenges as a good way to familiarize yourself with financial concepts and different goals, like paying down debt or upping your personal savings rate.

Things I wish I’d learned in journalism school

This newsletter issue is the third in The Lead’s “Things I wish I’d learned in journalism school” series, intended to fill in schools’ gaps and provide practical advice. Previous issues from the past few weeks:

• Building a relationship with a mentor is a two-way street. Here’s how to approach it with intention and respect
• Take these 5 steps to improve your privacy and digital security

One story worth reading

Black and Latinx students are underrepresented in college newsroom leadership positions, a group of students reported for AAJA Voices . Student leaders say the lack of diversity makes it harder to report on underrepresented communities and recruit staffers of color.

“Everyone in the news media is working towards diversity, equity, and inclusion. We still have a long road ahead of us,” one editor-in-chief said. “But I think it really starts in our student newsrooms because we’re training the next generation of journalists.”

Opportunities and trainings

• Poynter’s internship database lists paid newsroom internships at publications around the country.
• ProPublica’s Emerging Reporters Program provides a $9,000 stipend and a trip to the NICAR Conference for college juniors and seniors. Apply by Sept. 7.
• Register for the FIRE Regional Conference on student online speech, to be held Oct. 16 in Nashville.
• College students, enter the Reynolds Journalism Institute’s Student Innovation Competition by Oct. 31.
• College students and recent graduates, apply for NPR’s Next Generation Radio Project , a weeklong audio journalism training program (currently held remotely).
• Take a free Poynter webinar on journalism and trauma.

💌 Last week’s newsletter: Take these 5 steps to improve your privacy and digital security

📣 I want to hear from you. What would you like to see in the newsletter? Have a cool project to share? Email [email protected] .

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June:  24, 25, 27

July:  1, 2, 8, 9,11,15,16,18, 22, 23, 25

Varsity tryouts July 29th to August 2nd from 4 to 6pm.

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9th - 11th Grade Picture Day will be during the school day on Thursday, August 29th. All 9th - 11th grade students will be photographed for their student ID. Parents and guardians may preorder photo packages at  Leonards.com/photoprepay using School Code: C656524. Physical photo package forms will be available on campus in the days before Picture Day. 

Northeast Viking Log yearbooks are on sale now until 9/1 for the Earlybird price of $78.65, a potential savings of $26. Pre-order yours today at https://buytheyearbook.pictavo.com/  and take advantage of this sale. 

Class of 2025, it's time to start planning for your senior year and that begins with Senior Portraits. Check out the Leonard's Senior Focus magazine for the types of sessions available to you. Then read the senior sessions instructions to schedule your portrait session before the start of the school year. Deadline for all senior pictures in September 1st. 

Yearbook presale orders are still open. 2024 yearbooks can be ordered through the bookkeeper for $100. Only cash and money orders will be accepted. 

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Pinellas County Schools is helping parents and students stay connected to their school with the Pinellas County Schools App. The app, developed by Focus, helps families access student information on their cellphones and mobile devices. Parents and students can still use the Focus website on desktop computers, but the app is designed to work better with mobile devices.

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