Is Your Teen Prepared?

Students are entering the real world without the basic money knowledge they need.

  • More than 7 million borrowers are in default on student loans for college.
  • Fewer than half of high school seniors qualify as financially literate.
  • Only five states require schools to teach a full semester personal finance course.
Your Teen Can Be Different

You can help ensure your teen's real-world success by empowering them with Dave Ramsey's proven personal finance principles. Foundations in Personal Finance: High School Edition for Self-Study will teach your teen everything they need to know to live free of debt and stress. They'll learn how to save, budget, spend wisely, invest, and build wealth so they can live generously.

Course Features

Completely unique, this edition of Foundations is a self-paced study in a fully online format. Different than other Foundations curricula, this course does not require an instructor. Instead, through a full complement of features, including auto-graded assessments, a blended learning site, and embedded video lessons, students can go through the curriculum on their own. Plus, Dave Ramsey and his Foundations team serve as the financial experts so you don't have to be.

  • Comprehensive and flexible self-paced personal finance curriculum
  • Includes 23 auto-graded assessments as well as pre- and post-curriculum assessments
  • Meets standards and benchmarks in all 50 states
  • Meets all Jump$tart national standards
  • Flexibility allows for use with desktops, laptops, and tablets
  • Teaching delivered by the Foundations team of experts via embedded video
  • Blended learning site with calculators, tools, and resources
  • Multiple activities in each chapter reinforcing the principles taught in the lessons
Have Your Teen Start Today! Buy Now
Watch the Chapter 1 Videos for Free

What is Personal Finance?

Money, the American Way

You and Money

Unit 1: Saving and Budgeting

Chapter 1: Introduction to Personal Finance

Introduces the topic of personal finance, explores the evolution of the American credit industry, and highlights the importance of both knowledge and behavior when it comes to managing money.

Chapter 2: Saving

Emphasizes the importance of saving and explains the three reasons to save: emergencies, large purchases, and wealth building.

Chapter 3: Budgeting

Explores the purpose and process of writing a budget and the basics of banking, including balancing and reconciling a checking account.

Unit 2: Credit and Debt

Chapter 4: Debt

Identifies the devastating costs of using debt as a financial tool, debunks credit myths, explains the elements of a credit score, identifies organizations that maintain consumer credit records, and summarizes major consumer credit laws.

Chapter 5: Life After High School

Explores 21st century post-secondary education and career options, highlights the importance of avoiding debt as a young adult, and explains how to cash flow a college education.

Chapter 6: Consumer Awareness

Identifies factors that influence consumer behavior and the effect of inflation on buying power.

Unit 3: Financial Planning and Insurance

Chapter 7: Bargain Shopping

Highlights the importance of bargain shopping as part of a healthy financial plan and identifies important negotiation strategies.

Chapter 8: Investing and Retirement

Establishes basic investing guidelines, describes and compares various types of investments, and identifies elements of employer benefits and retirement plans.

Chapter 9: Insurance

Identifies the purpose of financial risk management as well as the appropriate and most cost-effective risk management strategies.

Unit 4: Income, Taxes, and Giving

Chapter 10: Money and Relationships

Identifies the differences among people’s values and attitudes as they relate to money, and highlights communication strategies for discussing financial issues.

Chapter 11: Careers and Taxes

Examines the importance of pursuing a career in line with your strengths, the elements of effective goal setting, the best practices of successful people, and types of income and taxes.

Chapter 12: Giving

Highlights the importance of giving of your time, talents, and money in order to serve others and leave a lasting legacy.

Meet the Foundations Team

Dave Ramsey

America's trusted voice on money and business, Dave has authored seven best-selling books including The Total Money Makeover and Smart Money Smart Kids. The Dave Ramsey Show is heard by more than 12 million listeners each week on more than 575 radio stations and through digital outlets.

Rachel Cruze

As a #1 New York Times best-selling author and seasoned communicator, Rachel Cruze helps Americans learn the proper ways to handle money and stay out of debt. She’s authored two best-selling books: Love Your Life, Not Theirs and Smart Money Smart Kids. The daughter of Dave Ramsey, she joined Ramsey Solutions in 2010 and uses the knowledge and experiences from growing up in the Ramsey household to educate others.

Chris Hogan

A popular and dynamic speaker on the topics of personal finance, retirement and leadership, Chris Hogan helps people across the country develop successful strategies to manage their money, both in their personal lives and businesses. He is the host of the Retire Inspired Podcast and the author of Retire Inspired: It’s Not an Age, It’s a Financial Number, a #1 national best seller.

Have Your Teen Start Today!

Buy Now