A complete ten-lesson personal finance course — a semester, or a relaxed year, depending on how you run it.

Every lesson is the same shape: a short reading, a worksheet that applies it immediately, a hands-on project, and an answer key written for whoever is marking it. Money goals and mindset, decoding a paycheck, choosing an account, budgeting, saving, compound growth, minimum payments, a hypothetical portfolio, and what a car really costs.

Then the capstone: your student builds a full first-year budget — income, housing, transport, food, all of it — and the course breaks it with an unexpected $600 bill. Whatever else fades, they remember having to make that work.

It pairs with Clutch, a free no-download budgeting tool, for three of the lessons. Login is an email address. Every assignment works on paper, so it is genuinely optional.

WHAT'S INCLUDED

Written by a licensed K-12 business teacher with more than thirteen years in the classroom. Built to be taught by a parent with no background in the subject.