The complete Middle School Personal Finance curriculum - all 9 units, 90 fully-built lessons, ready to teach Monday morning. Built by a working classroom teacher. American English throughout. Age-appropriate for 11-13 year olds: no dumbed-down material, no retirement portfolios, just real money in a kid’s actual life. Buy once and teach the entire course.

The 9 units:

• Unit 1: Earning Money - where money comes from, side hustles, scams, taxes
• Unit 2: Spending Smart - needs vs wants, true cost, ads, impulse control
• Unit 3: Saving Goals - SMART goals, compound interest, account types
• Unit 4: Banking Basics - checking vs savings, debit cards, fees, scams
• Unit 5: Consumer Skills - fine print, refunds, scams, buying online safely
• Unit 6: Money Decisions - the decision framework and cognitive biases
• Unit 7: Intro to Credit - credit vs debit, interest, FICO, predatory lending
• Unit 8: Intro to Investing - compound growth, index funds, starting young
• Unit 9: Your Money Future - the curriculum capstone and life blueprint

Every unit includes:

• 10 fully-built lesson presentations (editable PPTX) with substantive teacher speaker notes
• 10 print-ready student worksheets (PDF), every part scaffolded
• 10 answer keys with sample responses and conferring notes
• Unit overview / scope and sequence (PDF + editable Word)
• Parent letter (PDF + editable Word)
• Capstone summative assessment with a detailed analytic rubric (5 criteria, 4 levels)
• Read-Me-First how-to-use guide

Totals across the bundle: 90 fully-scripted lessons, 90 student worksheets, 90 answer keys, and 9 capstone assessments with rubrics.

Every lesson follows the same arc: Title slide, Learning Target, Hook with turn-and-talk, Direct Instruction, Guided Practice, Independent Practice, Exit Ticket, and a Recap. Full speaker notes mean any teacher - or a substitute - can deliver it cold.

Standards: aligned to the Council for Economic Education (CEE) National Standards for Personal Financial Literacy and the Jump$tart Coalition National Standards (grades 6-8 benchmarks). Adaptable to state middle-school financial-literacy requirements.

Differentiation is built in: extension prompts, scaffolded structure, sentence starters, vocabulary boxes and supports for IEP and ELL learners.

Perfect for middle-school personal finance, life-skills, CTE, FCS, economics, and advisory classes, plus homeschool families. Grades 6-8.

Format: PPTX (editable) decks, PDF (printable) student materials, DOCX (editable) overviews and parent letters. American English throughout. Buy the full curriculum once instead of unit by unit.