If you are an educator, we have developed personal finance curriculums specifically for middle school, the Money$tars™ program, and high school, the “Personal Finance Program.”

Download sample chapters below from the Personal Finance Program for high school.

If you are interested in obtaining a copy of the full personal finance curriculum for either high school or middle school students, please contact June Jaffee, Executive Director of The Muriel F. Siebert Foundation, Inc., at (646) 825-2115 or email at jjaffee@murielfsiebertfoundation.com.

Sample Lessons

Lesson 1

Money, Money, Money
In this lesson:
  • Students will be able to explain how scarcity affects the economic choices people make.
  • Students will be able to apply the concept of opportunity cost to everyday situations.
  • Students will be able to analyze how incentives influence economic choices.

Lesson 4

Why Budget?
In this lesson:
  • Students will be able to define and provide examples of wants and needs.
  • Students will be able to develop a list of expenses found in most household budgets.
  • Students will be able to categorize expenses in a budget as fixed and variable (or occasional).
  • Students will be able to analyze a pie chart showing the categories of household expenditures.

Lesson 11

Credit Cards
In this lesson:
  • Students will be able to compare and list the differences among four credit cards (i.e., fees, interest, credit limit).
  • Students will be able to identify and provide examples of the costs and benefits of credit card use.
  • Students will be able to analyze potential pitfalls of credit card use for college students and other young adults.
  • Students will be able to calculate the annual percentage rate (APR) and fees on a credit card.