A Real-Life Problem

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

  • Fewer than half of high school seniors qualify as financially literate
    Fewer than half of high school seniors qualify as financially literate.1
  • College seniors are leaving campus with an average of $37,000 in student loan debt
    College seniors are leaving campus with an average of $37,000 in student loan debt.2
  • More than 7 million borrowers are in default on student loans for college
    More than 7 million borrowers are in default on student loans for college.3
A Virtual Solution

Give your students the opportunity to change the way they think about money by inspiring them with Dave Ramsey’s proven personal finance principles. Foundations in Personal Finance: High School Edition for Virtual Schools is equipped with all the tools, resources and digital content you’ll need to teach your students how to save, budget, spend wisely, invest, and build wealth so they can live generously.

Curriculum Features

Designed specifically for virtual schools, this curriculum is entirely online, allowing you to teach your class from across the room or across the country. The digital content includes a full student text, auto-graded assessments, and embedded video lessons taught by Dave Ramsey and his team of experts.

  • Flexible syllabus allows customization of the curriculum to meet class needs
  • Comprehensive digital content makes remote classes easy
  • 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
  • Video-based lessons are taught by the Foundations team of experts
  • Includes foundationsU.com, our blended learning site with calculators, tools and additional resources
  • Multiple activities in each chapter reinforce the principles taught in the lessons
Call 844.283.9378 today for a FREE personalized demo!
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

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

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

Chris Hogan

Chris Hogan is the #1 national best-selling author of Retire Inspired: It’s Not an Age; It’s a Financial Number and host of the Retire Inspired Podcast. A popular and dynamic speaker on the topics of personal finance, retirement and leadership, Hogan helps people across the country develop successful strategies to manage their money in both their personal lives and businesses. For more than a decade, Hogan has served at Ramsey Solutions as a trusted financial coach and Ramsey Personality.

Speak with an Advisor

Nikki Royston

Call or Email Nikki Now!



  1. Lewis Mandell, Ph.D., "The Financial Literacy of Young American Adults," Results of the 2008 National Jump$tart Coalition Survey of High School Seniors and College Students.
  2. Josh Mitchell, “Student Debt Is About to Set Another Record, But the Picture Isn’t All Bad,” The Wall Street Journal, May 2, 2016.
  3. Rohit Chopra, "A Closer Look at the Trillion," Consumer Financial Protection Bureau, August 5, 2013.