Home/Courses/9-12/Financial Literacy
Grades 9–12 · Life Skills

💰 Financial Literacy

Taxes, budgeting, compound interest, credit, investing, and more — the real-world money skills schools rarely teach but everyone needs.

💰 9 Lessons ⏱ ~35 min each 💚 Always Free
Lesson 1
Income and Taxes
Your paycheck is not your full salary. Understanding gross vs. net pay, federal/state income tax, and FICA deductions is...
Lesson 2
Budgeting: Making a Spending Plan
A budget is simply a plan for your money. The 50/30/20 rule and zero-based budgeting are two practical frameworks anyone...
Lesson 3
Savings and Compound Interest
Albert Einstein reportedly called compound interest the eighth wonder of the world. Understanding it early can make a li...
Lesson 4
Credit, Credit Scores, and Debt
Credit is borrowed money — a tool that can build or destroy wealth depending on how you use it. Your credit score is the...
Lesson 5
Investing: Stocks, Bonds, and Funds
Saving keeps your money safe; investing grows it. Understanding stocks, bonds, index funds, and risk tolerance lets you ...
Lesson 6
Loans and Mortgages
Most people finance cars, homes, and education with loans. Understanding amortization, APR, and total cost of borrowing ...
Lesson 7
Insurance: Managing Risk
Insurance transfers financial risk from you to a large pool. Understanding premiums, deductibles, and coverage types hel...
Lesson 8
Starting a Business and Entrepreneurship
Entrepreneurship is a path to wealth-building available to anyone. Understanding business structures, revenue, costs, an...
Lesson 9
Your Financial Future: A Complete Plan
Every concept in this course comes together in a life financial plan. The earlier you start, the less you need to do — t...