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.
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.
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
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.