Financial Literacy for High School Students: Ideas, Activities, & Resources – The TPT Blog

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Financial literacy is a vital life talent that prepares excessive schoolers for their monetary futures. It encompasses all the pieces from filling out the FAFSA for school to making a funds and understanding your W-2. Financial literacy sources convey cash administration to the forefront by way of actual-world simulations, eventualities, interactive instruments, and podcasts. 

With our recommendations, college students received’t simply study, they’ll examine, apply, and analyze monetary selections! So seize your pens and prepare to write down down some sensible sources particularly geared towards monetary literacy for highschool college students. 

Easy methods to Train Financial Literacy for High School College students

April is Financial Literacy Month, so it’s a great time to begin fascinated by methods to show your teenagers budgeting, saving, and extra. The key’s to maintain it actual and relatable so college students keep engaged. Begin with issues they care about, like evaluating cellular phone plans or saving for a live performance, relatively than diving straight into 401(ok)s. Make it interactive by utilizing actual-life eventualities, function-taking part in actions, and classroom simulations that allow them make monetary selections in enjoyable methods. Video games like Kahoot, Blooket, or on-line funds challenges are nice instruments to spice up engagement. 

Don’t be afraid to usher in social media. Let college students discover monetary recommendation on TikTok, take heed to quick podcasts, and even create their very own “Cash Tip” movies. These classes can simply tie into your math requirements by way of actions like calculating curiosity, analyzing percentages, or graphing financial savings targets. With the appropriate strategy, monetary literacy for children of any age will be academic and one thing your college students look ahead to.

Study why it’s vital to incorporate monetary literacy for teenagers

Funds make the world go spherical, actually. So, level your college students in the appropriate path earlier than they even stroll out of these doorways into the “actual” world. Understanding how a funds works, why saving is vital, and learn how to handle debt helps them to keep away from widespread pitfalls as they transition from teen to grownup.

Moreover, you’re strengthening their resolution-making muscular tissues by exhibiting them learn how to keep away from debt traps and scale back monetary stress. Present them that life occurs, and their funds isn’t at all times going to go their means. Throwing these difficult monetary eventualities at them now helps them make cool and calm selections later. What is perhaps a great aim for highschool with funds may not be the identical after they change into adults. Making ready your college students to suppose critically about funds at each stage of life helps them really feel ready to make sensible cash selections. 

Present excessive schoolers learn how to construct a funds and save like a professional

Earlier than leaping into the world of planning a monetary future, college students have to know the fundamentals of budgeting and saving. Mastering these ideas is extra than simply placing your cash right here or there, it’s utilizing these essential pondering abilities to make sensible selections designed to set college students up for success. 

These actions are an effective way to get college students pondering, and plenty of align completely with CCSS for Math, just like the CCSS.Math.Content material.HSF-IF.C.7 and CCSS.Math.Content material.HSF-BF.A.1. 

Budgeting Board Sport for Financial Literacy – College students Observe Actual Life Abilities
By Distinctive ELA
Grades: sixth-twelfth

Make your monetary literacy for teenagers persist with a recreation that makes use of actual-life eventualities that influence monetary decisions. It features a trainer information, budgeting choices, a rating sheet, a board recreation, recreation playing cards, and a mirrored image worksheet. 

Financial Literacy Evaluating Checking Accounts Financial savings Accounts and CDs
By the Household and Client Science Classroom
Grades: ninth-twelfth

Give your college students a leg up in terms of saving by having them full actions that simulate actual-world decisions, like selecting a financial institution and making deposits. The package deal contains vocabulary phrases, comparability sheets, reflection questions, and banking posters. 

Retirement Accounts IRAs Pensions Social Safety Financial Literacy Lesson
By The Unraveled Instructor
Grades: eleventh-twelfth
Requirements: CCSS CCRA.W.1, CCSS CCRA.W.4

This ELA useful resource covers the totally different elements and necessities of social safety. It permits college students to create argumentative essays about issues within the social safety sphere. It contains lecture slides, vocabulary phrases, a pre-exercise, a solution key, duties, and an essay immediate. 

Private Finance Venture with Job Planning, Budgeting, and Financial Decisions
By Noodle Nook
Grades: Any

Give your college students somewhat math apply by having them discover lifelike job decisions, budgeting, and making unbiased monetary selections. The exercise contains resolution playing cards, job playing cards, monetary decisions, and scholar worksheets.

Sort out profession and commencement monetary literacy subjects

A part of monetary literacy for excessive schoolers is speaking about profession paths, wages, and FAFSA, in the event that they plan to attend school. By diving into profession exploration for highschool college students, they’ll see how a stable monetary background is important to set monetary targets, discover scholar loans, and pay their payments. 

Since a stable monetary literacy roadmap is the important thing to success, check out these enjoyable actions:

• Perceive profession compensation: Have college students evaluate the salaries of various careers they’re contemplating, together with bonuses, raises, and many others. They are going to take into account how they may have to funds their wants and desires for every profession. 
• Play a debt and financial savings recreation: Have college students consider totally different school bills which may pop up. Then, college students want to attract the eventualities and modify their funds for every. The best funds wins. 
• Plan future targets: Have college students create a chart that units their monetary targets for totally different years sooner or later (i.e., 1, 5, 10, 20). They need to plan learn how to attain these targets. 
• Simulate a scholar mortgage: Have college students analysis a scholar mortgage, together with rates of interest, charges, reimbursement plans, and many others. They then want to determine how the curiosity and costs will add up earlier than they repay the mortgage. Take it a step additional by having them determine methods to repay the mortgage early and the way a lot that may save. 

Financial Literacy Tax Varieties & W-4 Profession Exploration High School Client Math
By Caffeine Queen Instructor
Grades: ninth-twelfth

Assist your college students perceive federal taxes by 2020 varieties utilizing interactive articles, assessments, and displays. The bundle features a printable and digital model with all the pieces it’s essential to get began, together with a solution key. 

Financial Literacy Bulletin Board | FAFSA
By Faculty Counselor Studio
Grades: sixth-twelfth

Train your college students about FAFSA, monetary support, and school cost choices by downloading this editable bulletin board. It contains customizable posters, key deadlines, FAQs, and motivational messages that present your college students with the appropriate instruments to ace their school journey. 

Crush the confusion round credit score

Credit score just isn’t one thing a whole lot of children are going to be clear about. Stomp out their confusion about credit score scores, functions, and associated phrases with enjoyable video games and actions. Many of those actions can align with CCSS.Math.Observe.MP4 and HSF-IF.B. 4 & B.5. 

• Simulate a credit score rating: Have college students begin with a set credit score rating. Simulate what occurs when sure occasions happen, like lacking a cost or paying off a mortgage. Focus on methods to construct and damage credit score collectively. 
• Create a credit score debate: Have college students analysis all of the totally different components of credit score. They are going to then debate the professionals of credit score and among the hidden risks. 
• Design a credit score fantasy poster: Have college students analysis one fantasy about shopping for on credit score and create a poster to indicate their fantasy and the way they busted it. 
• Discover the very best mortgage and bank card: Have college students analysis a number of totally different loans and bank cards and attempt to discover the one with the very best charges and perks. They need to current their findings. 
• File a credit score podcast: Have college students analysis bank cards and create a podcast about what they realized. 
• Design a credit score software: Give college students clean credit score functions as a information and have them design a credit score software for an imaginary financial institution, full with phrases. Others within the class can then fill out the credit score functions. 

Client Math & Financial Literacy – Credit score Card Venture (with Google Slides™)
By Mister G’s Instructor Store
Grades: fifth-twelfth

The fundamentals of bank cards are simply damaged down and parsed out on this bundle, masking the hows, whys, and whos of bank cards and funds. The useful resource contains worksheets, movies, a pattern card assertion to dissect, and a scoring rubric for the venture. 

Credit score Card Simulation
By Classroom on a Cart
Grade: fifth-twelfth

Simulate actual-world monetary abilities by having college students full a bank card simulation exercise that makes use of retailer bank cards, curiosity calculations, evaluation of value phrases, and writing a examine. You get detailed directions, a trainer packet, and Excel spreadsheets for college students and academics. 

Join with outdoors sources to enhance monetary literacy classes

Empower college students to get a head begin on their funds by incorporating a few of these enjoyable sources into your classes. Many sources give you step-by-step directions to wow your teen viewers on a subject which may not scream “thrilling.” 

• Your Life Your Cash: This hour-lengthy podcast from PBS breaks down the fundamentals of economic planning and monetary consciousness with a enjoyable host. 
• My Cash: Chartered by the Federal Financial Literacy and Schooling Fee (FLEC), this supply has video games, actions, and knowledge on a variety of economic subjects and supplies federal pointers and curricula. 
• Federal Reserve Schooling: This authorities useful resource provides entry to supplies on economics and private finance by way of on-line programs, podcasts, and interactive classes. 
• Investor.gov: Backed by the U.S. Securities and Alternate Fee, Investor makes use of free monetary planning instruments like calculators, analyzers, and articles to show numerous subjects like retirement, budgeting, and bills. 
• Planet Cash: Maintain it enjoyable and actual by utilizing the Planet Cash podcast to assist clarify finance, tariffs, budgeting, and extra. 
• Client Financial Safety Bureau: This authorities-primarily based useful resource provides analysis-primarily based actions and tales to show wholesome monetary habits.  

Create a category of finance professionals with sources from TPT

Make monetary literacy for highschool college students thrilling by making certain that each venture you throw at them is enjoyable and interactive. Not solely will they benefit from the lesson, however they may thanks for it later. Browse the massive assortment of economic literacy sources for highschool from TPT — you’ll discover one thing for everybody, and it’d simply work completely into your math block.