Foundations of PErsonal Finance

We’re so glad you’re interested in Foundations in Personal Finance! We can’t wait for you to experience the confidence, hope, and life-change that this curriculum can bring to your students. You truly have the power to give them the tools they need to win with money now—and for the rest of their lives!

That’s 42 million teens in America spending their money on a variety of products
The average teenager spends $2,150 per year.
83% of Teens Don’t Know How to Manage Money

Unfortunately, many youth have not received either formal or informal guidance on financial matters. So, they may not be ready to make sound financial choices:

A survey of 15-year-olds in the United States found that 18 percent of respondents did not learn fundamental financial skills that are often applied in everyday situations, such as building a simple budget, comparison shopping, and understanding an invoice.

A report on the results of a financial literacy exam found that high school seniors scored on average 48 percent correct, showing a strong need for more comprehensive financial education for youth in high school.

According to the National Longitudinal Survey of Youth, only 27 percent of youth knew what inflation was and could do simple interest rate calculations.

“A parent’s role in setting a financial example for their children is critical. Yet many parents feel unprepared to set an example.”, David Schaack, Founder of Apex 24/7.


The all-new Foundations in Personal Finance curriculum consists of 13 chapters of essential personal finance principles like how to budget, save, avoid debt, invest, be a wise consumer and much more!

Chapter 1: Introduction to Personal Finance
Chapter 2: Budgeting Basics
Chapter 3: Saving Money
Chapter 4: Credit and Debt
Chapter 5: Consumer Awareness
Chapter 6: Career Readiness
Chapter 7: College Planning
Chapter 8: Financial Services
Chapter 9: The Role of Insurance
Chapter 10: Income and Taxes
Chapter 11: Housing and Real Estate
Chapter 12: Investing and Retirement
Chapter 13: Global Economics