When it comes to teens and personal finance, education around money management is pretty non existent.  Another scary fact, according to Bankrate.com, only 18 percent of Americans have enough savings to live off of for six months.  Furthermore, half of all families in the U.S. have no retirement savings.  So what does this all mean for teens and personal finance?  Unless they get the financial education they so desperately need, you can expect many young adults to wind up developing bad money habits.  On a positive note, there are plenty of free resources that teens can access to teach themselves financial literacy.

Below are five free resources for teens and personal finance


1. Next Gen Personal Finance

teens and personal finance

When it comes to teens and personal finance, self-study is a great way to learn.  15 minutes a day is all it takes.  Next gen personal finance offers free lessons and resources that covers everything personal finance for both middle school and high school kids. In addition, teens will find engaging student activities and ready-to-go lessons. Budgeting, investing, managing credit, paying for college are just some of the topics they cover.

2. Junior Achievement

teens and personal finance

JA is a nonprofit who’s mission is to prepare young people for success.  On their website, you will find personal finance resources for both middle school and high school kids (for elementary age too if needed).  Their lessons cover financial literacy, work and career readiness, entrepreneurship and more. 

3. Free Resources From Banks

Banks have tons of free resources for teens to take advantage of.  Here are just a few banks offering some great financial literacy resources:

Everfi’s mission is to produce financially capable kids by offering free and fun resources to make financial literacy fun to learn.  When it comes to teens and personal finance, they are good at breaking down complex topics like entrepreneurship and investing.  For grades 6-12, they will cover everything from goal setting to income and careers to credit cards and interest rates.

From pre-k to college, Visa is offering free lesson plans and hands-on activities that will help instill good financial values and knowledge in your teen.  Lessons are broken down by grade and each comes with presentations, PowerPoints, student activities and a teacher’s guide. Lessons cover money responsibility, saving and investing, comparison shopping  as well as how to work with allowances and creating a spending plan.

TD Bank’s WOW! Zone offers free financial education resources targeting K–12.  Teens can learn money management in an easy and simple way.  They will develop the skills needed for a strong financial future with TD’s money management and investing tools.

For grades sixth through eighth:

For grades ninth through twelveth:

All of the above plus:


The perfect place to find free personal finance activities, lessons and reading materials.  They will help your teen prepare with skills for college and career readiness. Their “Standard” Personal Finance Curriculum is targeted at high schoolers and addresses the six National Standards for Financial Literacy.  

4. MoneySKILL

teens and personal finance

The MoneySKILL  curriculum covers a broad range of personal finance topics and is broken out into 37 free modules (in both English and Spanish).  They will cover everything from credit, money management, insurance and more.  Furthermore, middle school through college students will enjoy this curriculum for free.

5.  Consumer Finnancial Protection Bureau

In order to achieve financial well-being as an adult, it is necessary for teens to develop the right habits and financial knowledge about money. With CFPB, young people can take the reigns on developing their financial literacy with these lessons that include saving for the future, borrowing money and choosing a career and more.