High School

How do you see your life path when you are in your 20s, 30s, 40s, and beyond? Financial decisions you make now can mean freedom to pursue your passions in your adult years or having limited choices due to excess debt or not enough savings.

Pathway to Financial Success empowers you to take control of your financial future. Explore the self-paced online modules and other tools to equip you to make sound financial decisions to meet your life goals.

Unit 1 : Being Financially Responsible

Self-paced Module
Topic 5

Spending Wisely

10 to 15 minutes

What should you think about before making a purchase? Learn to analyze your spending choices and the factors that affect your spending, so you can think before you spend.

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Self-paced Module
Topic 2

Imagining Your Financial Future

10 to 15 minutes

What are your goals for the future? Learn about setting goals and financial success strategies to help you reach those goals.

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Self-paced Module
Topic 3

Money Habits

10 to 15 minutes

Money habits include the ways you spend, save, and talk about money. Learn the differences between good and bad money habits and how to form good money habits.

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Supplemental Resource Links

How to Achieve Your Financial Goals

American Institute of Certified Public Accountants 360 Degrees of Financial Literacy

Find out how to set goals, determine milestones, and develop good money habits.

StickK

StickK

Use this app, StickK (and similar apps and websites), to set goals, track progress, and get support.

Spendster

National Endowment for Financial Education

Visit this YouTube channel where individuals share about their careless spending and impulse purchases.

Setting SMART Goals

Financial Industry National Regulatory Authority (FINRA)

In this interactive, you will learn about setting SMART savings goals. Check out the worksheet and handout with 10 "Rules for Saving."

Financial Identity Quiz

National Endowment for Financial Education

Try this quiz! After answering 12 questions, you will find out if you are a pathfinder, trooper, nomad, or tenderfoot and learn about financial identities.

The Bean Game

Utah State University Extension

Download this board game where your challenge will be to live on a “20 Bean Salary.”

Budget Calculator

Pennsylvania Higher Education Assistance Agency

After entering income and expenses, use this calculator to determine whether a budget is balanced.

Groove Nation

Financial Entertainment

With this online game, you will serve as the choreographer and financial manager for Angel Alvarez, a competitive dancer trying to dance and save her way to Los Angeles.

Unit 2 : Using Financial Services

Self-paced Module
Topic 5

Making Everyday Purchases

10 to 15 minutes

What is the difference between using cash, debit, checks, and credit? Understand the costs and benefits of using various methods of payments for everyday purchases.

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Self-paced Module
Topic 2

Deciding Where and How to Bank

10 to 15 minutes

What factors should you consider when choosing a bank? Learn how to compare features and costs of services offered by financial institutions.

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Self-paced Module
Topic 4

Using Mobile Banking

10 to 15 minutes

How can you safely bank from your phone? Explore common online and mobile banking features, and learn how to prioritize personal mobile banking needs.

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Supplemental Resource Links

How to Get the Best Banking Experience

American Institute of Certified Public Accountants 360 Degrees of Financial Literacy

Learn why people have bank accounts, what account types are available, how to automate payments and savings, and how to avoid fees.

Money Smart Podcast

FDIC’s Money Smart for Young People

Listen to these podcasts about the basics of banking and how checking and savings accounts work. (Also available in Spanish)

Banks and Alternatives

Federal Reserve Bank of St. Louis

Watch this five-minute video to find out about payday lenders, pawn brokers, and check cashers and consider the costs and benefits of using these alternatives to banks.

Electronic Banking

Federal Trade Commission

Learn how to protect your finances when banking online.

Dial M For Money: Can Mobile Banking Lift People Out Of Poverty?

National Public Radio (NPR)

National Public Radio explains how people in Kenya are using mobile banking to improve their economic well-being.

Understanding Payment Methods

National Endowment for Financial Education

Visit this site, which explains various payment options including checks, debit cards, credit cards, and more.

5 Things to Know About Paying with Your Phone

Time

Find out what you should consider before using your phones as a way to pay.

Unit 3 : Financing Your Future

Self-paced Module
Topic 5

Understanding Education Financing Options

10 to 15 minutes

Compare education financing options to make informed choices. Find out the difference between loans and grants/scholarships. Learn about loan terms, GPA requirements, and duration of aid.

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Self-paced Module
Topic 2

Weighing Your Career Options

10 to 15 minutes

How do you pick a career? Examine factors, such as potential earnings, job availability, opportunities for advancement, and education requirements.

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Self-paced Module
Topic 4

Financing Further Education

10 to 15 minutes

How will you and your family pay for your education and training after high school? Explore options such as scholarships, grants, loans, work study, apprenticeships, and military service.

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Supplemental Resource Links

Human Capital Infographic

Federal Reserve Bank of Atlanta

This infographic compares how long it takes people with different education levels to earn a million dollars. It also shows the impact education has on both unemployment and weekly earnings.

Cost of Living Calculator

CNN Money

Students find out how much they would need to earn if they moved to a different part of the country.

Career Outlook

U.S. Bureau of Labor and Statistics

Access up-to-date information on job trends including articles and graphic displays of data.

My Next Move

U.S. Department of Labor

Explore this site to learn about careers by searching, browsing by category, or completing an interest survey. (Also available in Spanish.)

Will Your Job be Done by a Machine

National Public Radio

What are the chances a job you want will be done by a machine 20 years from now? Discover the probability and learn what factors influence the answer.

Careers in the Military

U.S. Department of Defense

Explore information about military careers.

Saving for College

Federal Reserve Bank of St. Louis

View a video of a student comparing jobs and considering the return on investment of higher education.

Occupational Handbook

U.S. Bureau of Labor and Statistics

Explore information on duties, education and training, pay, and the outlook for hundreds of occupations through this federal government website.

Virtual Field Trips: Careers

Discovery Education

With these videos, take virtual field trips to meet individuals performing a wide range of jobs in various careers.

Payback

Next Gen Personal Finance and McKinney

Play this game to learn about the issues involved with paying for higher education. Use this worksheet to record your insights and help you plan.

It’s a Plan

Oregon GearUp

Find checklists to keep yourself on track as you get ready for college. Checklists cover important tasks for you to accomplish during each grade in high school, broken down by month. (Also available in Spanish.)

College 101 Interactive Infographic

Federal Reserve Bank of St. Louis

Check out this interactive infographic with videos to learn more about financial aid.

Prioritizing Options to Pay for College Infographic

NEFE’s High School Financial Planning Program

Explore this infographic for an overview of paying for college by three categories: free money (grants and scholarships), your money (savings, work-study, and jobs), and their money (loans).

Infographic: Map Out Your Financial Aid Award Letter

U.S. News and World Report

Understanding financial aid award letters isn’t always easy. This interactive infographic explains the Consumer Finance Protection Bureau’s Shopping Sheet with short video clips detailing various sections.

Build Your Future

Junior Achievement and PWC

Using the app or website, you can explore careers, the education needed, and the costs of obtaining that education. If you complete the calculator, you can determine the return on investment, too.

Unit 4 : Getting Paid

Self-paced Module
Topic 4

Paying Taxes

10 to 15 minutes

Why is money taken out of your paycheck? How do you benefit from paying taxes? Examine parts of a paycheck and typical deductions for taxes and benefits.

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Self-paced Module
Topic 1

Preparing for Work

10 to 15 minutes

How do you get your desired job? Learn key job search skills, including networking and research. See how to prepare your résumé, cover letter, and job application.

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Self-paced Module
Topic 3

Comparing Job Offers

10 to 15 minutes

What should you look for in a job offer? Learn how to explore income and non-income factors, such as insurance, flexibility, and personal satisfaction when considering a job.

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Supplemental Resource Links

Resume Builder

Read.Write.Think

Enter your personal information to build chronological or functional résumés. When you complete your résumé, you can save, print, or email it. You will also have the opportunity to compose a cover letter.

Minimum Wage Laws by State

U.S. Department of Labor

Check out this interactive map to see how the minimum wage varies from one state to another.

Should I Stay or Should I Go?

Fidelity Investments

Enter information about a current job and a potential job to weigh the costs and benefits of making a change.

For Love or Money

TEDEd

Watch this video from TEDEd about the role of passion in choosing a job. After watching, answer some questions for yourself and dig deeper with links to additional resources.

Calculate Total Compensation

CalXML

Put in information about wages, time off, and retirement benefits to calculate total compensation from a job.

1040EZ Personal Finance Chat

Federal Reserve Bank of St. Louis

Follow the conversation as Bianca texts advice to her cousin Luis on how to complete his 1040EZ.

Filing Your Taxes

American Institute of Certified Public Accountants 360 Degrees of Financial Literacy

Find links to articles about filing taxes and calculators for determining estimated taxes.

Be Your Own Boss Challenge

Northwestern Mutual’s The Mint

Answer a series of questions to find out if you have what it takes to become an entrepreneur.

Unit 5 : Paying Yourself First

Self-paced Module
Topic 5

Choosing a Savings Method

10 to 15 minutes

During this module, you will compare various savings methods, including certificates of deposit, savings accounts, and money market accounts, and consider the benefits and tradeoffs of each.

Launch Module  

Self-paced Module
Topic 3

Find Money to Save

10 to 15 minutes

With this module, get an overview of the principles and purpose of saving money and learn strategies for saving money.

Launch Module  

Self-paced Module
Topic 4

Growing Savings Through Compound Interest

10 to 15 minutes

Why it is important to start saving money now? Explore the power of compound interest by seeing how people who save small amounts early on increase their money.

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Supplemental Resource Links

Emergency Savings Calculator

American Institute of Certified Public Accountants 360 Degrees of Financial Literacy

Find out how long it will take for you to build an emergency fund based on your personal circumstances.

Why So Many Americans in the Middle Class Have No Savings

PBS NewsHour

Many people know it is important to save yet still do not. Watch this 12-minute video explains why so many people haven't saved enough to deal with a $400 emergency.

SMART Goals Worksheets

National Endowment for Financial Education

Use these worksheets to help you outline short-, mid-, and long-term savings goals.

Set a Goal: What to Save For

AmericaSaves

Learn about saving for five different reasons: emergencies, car, education, home, and retirement.

Setting SMART Goals

Financial Industry National Regulatory Authority (FINRA)

Learn about setting SMART savings goals with this interactive site. Then use the worksheet and handout with ten "Rules for Saving" to dig deeper into this topic.

54 Ways to Save Money

America Saves

Check out this list of 54 ways to cut costs and find money to save in areas such as food, entertainment, and transportation.

How to Save Money

NerdWallet

Learn how to save money on daily, monthly, and yearly expenses.

Get Rich Slow: Apps that Can Save You Cash

Mashable

Check out this a review popular apps to save money more easily.

Thinking Money

Maryland Public Television

Choosing to save money—or to spend less—isn't always easy. Watch this video on behavioral economics to learn why people often make poor financial decisions and how to make better savings choices.

Unit 6 : Using Credit Wisely

Self-paced Module
Topic 5

Managing Debt

10 to 15 minutes

In this module, explore strategies for paying off debt (lowest balance first vs. highest interest rate first; debt transfer and consolidation), how to avoid scams, and the cost of poor debt management.

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Self-paced Module
Topic 2

Deciding When to Use Credit

10 to 15 minutes

When should you use credit and when should you avoid it? In this module, you will explore benefits and tradeoffs of using credit, including building credit over time, purchasing a home, or funding your education. You will also learn how to compare credit offers.

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Self-paced Module
Topic 4

Improving Your Credit Score

10 to 15 minutes

How do lenders judge if lending you money is worth the risk? Most likely, they will check your credit score. In this module, find out the parts of a credit score, and how you can improve your credit score to help you get favorable loans on houses and cars in the future.

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Supplemental Resource Links

The Amazing $2,000 Pizza

Federal Reserve Bank of St. Louis

Watch this three-minute video to learn how credit cards work and how misusing them can lead to paying $2,000 for pizza!

Credit Decisions

Council for Economic Education

Watch this four-minute video for an overview of what loans are, the Five Cs of credit, and what to consider when comparing credit offers.

Decide Whether to Borrow

Federal Deposit Insurance Corporation (FDIC)

Listen to the first podcast in the Borrowing Money section to find out the benefits and tradeoffs associated with borrowing money.

Are You Ready for Your First Credit Card?

TransUnion

Take this quiz to figure out if you’re ready for a credit card.

Credit Bureaus: The Record Keepers

Federal Reserve Bank of St. Louis

Find out about the credit bureaus who track your credit history, how they work, and why it matters to you.

AnnualCreditReport.com

Equifax, Experian, and TransUnion

When you turn 18, use this site to request free copies of your credit report each year. Until you are 18, you may preview the site and bookmark it for future use. (Or you can ask your parents about accessing your credit report.)

How to Use AnnualCreditReport.com

NerdWallet

This site explains how to get your credit reports through AnnualCreditReport.com and what you should look for in your reports.

Credit Scores

Federal Trade Commission

What’s your credit score and why does it matter? Check out this federal government site to find out about credit scores and how you can work to improve your score.

Understanding How a FICO Credit Score is Determined

Federal Reserve Bank of St. Louis

Watch this six-minute video to find out how credit scores are calculated and what impacts a person's score.

Credit Score Basics

Experian

Explore this site for more detailed information on credit scores including credit utilization rates—a concept that confuses many people.

Credit Score Video

Council for Economic Education

Watch this two-minute video about a young entrepreneur who needs to improve his credit to start his business.

Credit Score Estimator

FICO Simulation

Use this estimator to see what your credit score might look like now and in the future. Enter different responses to the 10 questions and evaluate how they impact the results.

Managing Debt

Federal Trade Commission (FTC)

Check this site for an overview of what debt is, strategies to reduce debt, and how to work with debt collectors.

Debt Collection

Consumer Finance Protection Bureau (CFPB)

At this website, learn about debt collection including the difference between fair and unfair debt collection practices.

Debt Snowball vs. Debt Avalanche: How to Pay Off Your Debt

Credit Karma

Explore and compare two common strategies for paying down debt.

Debt Diaries

The Simple Dollar

Check these stories of young adults dealing with large debt.

Unit 7 : Making Major Financial Decisions

Self-paced Module
Topic 5

Understanding Your Consumer Rights

10 to 15 minutes

Learn how to be an informed consumer, who carefully examines the source of information, and is less likely to get cheated.

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Self-paced Module
Topic 1

Paying for a Vehicle

10 to 15 minutes

You may be hoping to buy a car. Explore whether you should get a new or used vehicle. Learn the difference between leasing and buying a vehicle, and consider the benefits and tradeoffs of various options.

Launch Module  

Self-paced Module
Topic 4

Choosing an Insurance Plan

10 to 15 minutes

Explore factors to consider when selecting an insurance plan and ways to reduce costs including staying on your parents’ plan.

Launch Module  

Supplemental Resource Links

Buying and Owning a Car

Federal Trade Commission (FTC)

Learn about buying, leasing, renting, and maintaining vehicles. Watch the video in the "Are Car Ads Taking You for a Ride?" section to help you be a smarter car buyer.

Car Smart App

University of Arizona

Are you planning to get a car soon? This app will walk them through the car buying process.

My Housing Plan

National Endowment for Financial Education

This six-part online course will helps you figure housing expenses, decide whether to rent or own, and prepare your finances before living on your own.

Is It Better to Rent or Buy?

The New York Times

Deciding to buy a home will be one of the biggest financial decision you will make. By adjusting the variables on this calculator, look at factors to consider when deciding to rent or buy.

Buy vs. Rent

How Stuff Works

Check out this infographic for rules of thumb for buying and renting. Explore how to decide between an $800 rent or a $1,000 mortgage payment.

InsureU

National Association of Insurance Commissioners

Check out insurance information by type, life event, or life stage. You will also find a special section on teen drivers, which can give you and your parents' tips on saving on car insurance.

Can You Afford Not to Have Health Insurance?

WebMD

Look over this infographic to learn the average costs of common medical expense and see if health insurance is worth the cost.

Life Happens

Life Happens

Calculate how much life insurance you might need and learn why life insurance is important for people in different situations.

Consumer Rights Resources

Life Smarts

Check out the LifeSmarts competition for students to show what you know about consumer issues.

consumer.gov

Federal Trade Commission

Visit this one-stop-shop for help explanations on consumer financial issues. You will find out what to look out for, how to prevent fraud, and which government agency to contact if you have a problem.

Consumer Products Laws & Agencies

Utah Education Network

After completing this lesson, you will better understand consumer rights and responsibilities, consumer protection laws, and agencies that enforce consumer rights.

State Consumer Protection Offices

U.S. Government

Use this site to locate the consumer protection agencies in your state. They often have additional resources, and some may offer classroom presentations and materials.

Fraud of the Month

Consumer Jungle

Find articles on the latest scams! Most include links to additional information.