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Elementary School

Have you ever wondered where money comes from? And how you earn it and use it? We'll show you where money comes from, how you can use it, and how banks help keep it safe.

Get started learning about money by taking the courses below. When you finish all of the courses, check your knowledge to earn your very own Hands on Banking® certificate.

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Elementary School Course - Hands on Banking - Financial Education

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Have you ever wondered where money comes from? And how you earn it and use it? We'll show you where money comes from, how you can use it, and how banks help keep it safe. Get started learning about money by taking the courses below.

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Middle School Course - You and Your Money Lesson - Hands on Banking

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Hands on Banking - Middle School course - You and Your Money Lesson. Financial Education Course with lessons on managing your money.

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High School Course - Getting Started - Hands on Banking

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Hands on Banking High School course - Getting Started. Financial Education Course with lessons about getting started on banking, credit and jobs.

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Financial Literacy, Education, Learn Finance

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Money Skills, Free Financial Advice, How To Manage Your Money

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Play free educational kids games to learn about coins. Choose from designing, stamping, or flipping coins; panning for gold; solving trivia; and more.

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Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site.

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Cha-ching! Master money math with our interactive games for kids. Rack up points by identifying coins, counting change, & stocking the piggy bank. Play now!

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Budgeting Projects for Middle School Students

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Budgeting Projects for Middle School Students

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Budgeting Projects for Middle School Students - Kids’ Money

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Here are our favorite budgeting projects to help middle school students learn how to manage their money.

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We may not stop to think about money because it's a part of our everyday life, but there are lots of fascinating facts about currency. Learning some interesting tidbits may change how you think about money and even come in handy the next time trivia night rolls around.

Read on for 21 fun facts about money that may just blow your mind.

Surprising Things You Probably Didn't Know About Money

Maybe you already know only two non-Presidents grace the front of U.S. bills (Alexander Hamilton on the $10 bill and Benjamin Franklin, the $100 bill). But did you know our paper currency isn't really made out of paper? And that no living person can appear on a U.S. coin or dollar bill? It's true! Here, learn more intriguing money facts you can spout to wow your friends.

1. Each Dollar Amount Has Its Own Lifespan

Money doesn't last forever, but some dollar bills have a longer life cycle than others.

According to the U.S. Currency Education Program, a $10 bill has the shortest lifespan while a $100 bill has the longest. Here's the estimated lifespan of the different denominations:

* $1: 5.8 years

* $5: 5.5 years

* $10: 4.5 years

* $20: 7.9 years

* $50: 8.5 years

* $100: 15 years

2. A Banknote Can Be Folded 4,000 Times

Our currency is pretty durable. The Bureau of Engraving and Printing, the sole producer of U.S. paper currency, says it would take 4,000 double folds, forward and backwards, for a dollar bill to tear. It might be because paper money isn't actually made of paper. It's actually a blend of 75% cotton and 25% linen with tiny blue and red synthetic fibers of various lengths evenly distributed throughout the bill.

3. There's a Reason US Dollars Are Green

Dollar bills weren't always green. Colonial money for example, was tan with black or red ink. It wasn't until the Civil War the government started using green ink to print paper money where it got the name greenbacks. The color was selected because the ink didn't fade or easily decompose, which protected against counterfeiting.

4. A Coin Can Last Around 30 Years

Coins stay in circulation for about 30 years, which is when they become too worn to use. At that time, the Federal Reserve takes them out of circulation and melts them down to use for other purposes.

5. The Highest Bill Denomination Issued by the US Was $100,000

Printed in 1934 and featuring President Woodrow Wilson, this $100,000 bill was a gold certificate currency that was never intended for public use. Instead, it was meant only for official transactions between Federal Reserve Banks. The last time this banknote was printed was in 1945, and it can't be legally held by collectors.

6. A Penny Costs More to Make than It's Worth

A recent report from the U.S. Mint says it costs 2.1 cents to make a penny. Why the increase? Part of the rise could be the higher prices of copper and zinc, both of which are used to make pennies.

7. Money Is Dirtier Than You Think

Both paper currency and coins can carry viruses and bacteria that can live on the surfaces and easily transfer to your skin or onto other objects after touching it. Research has found physical currency changes hands at least 55 times a year or almost once a week. One recent study found banknotes made with cotton or linen fibers, such as U.S. dollar bills, present increased areas for germs and the capacity to retain moisture, which can make it an easier place for bacteria to thrive.

8. The Dollar Sign Was First Used in 1785

Here's another fun money fact: The official adoption of the dollar sign in the U.S. can be traced back to 1785, when it evolved from the Spanish symbol for pesos. It's believed the $ originated from the abbreviation PS, which was used to indicate Spanish pesos in the Americas. Gradually the "S" came to be written over the "P," eventually morphing into the dollar sign we know today.

9. Martha Washington Is the Only Woman to Appear on a US Bill

America's first First Lady, Martha Washington, is to this day, the only woman to have her likeness on a U.S. paper currency note. Her image appeared on the $1 Silver Certificate, first issued in 1886 and discontinued in 1957. It was the country's second-longest issued paper money.

10. America Isn't the Only Country that Uses the US Dollar

Besides the United States and its five inhabited territories, 11 countries in the world also use the U.S. dollar, the world's reserve currency, as their official currency: The British Virgin Islands, Timor-Leste (or East Timor), Bonaire, Ecuador, El Salvador, Federated States of Micronesia, Marshall Islands, Palau, Panama, Turks and Caicos, and Zimbabwe.

11. You Can Make Your Money Crisp by Ironing It

Ready for a surprising money fact that involves a little bit of fabric know-how? If you've got a creased, crumpled, or wrinkled dollar bill, you can make it look new by pressing it with your iron. As mentioned earlier, U.S. dollars are 75% cotton and 25% linen, so it's actually fabric. To iron the money, dampen the dollar bill slightly with a spritz bottle, sprinkle water by hand, or use the spray function on the iron itself. Set the iron to a low heat, put a towel under the bill and another on top of it, then iron the money in a circular motion. Set aside to air dry. Presto! You should have a nice flattened bill.

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12. The Oldest Currency Still in Use Is the British Pound

The British pound dates back to 775 AD and was called the pound sterling, when Anglo-Saxon kings used silver pennies, or sterlings as money. Today, this foreign currency is the fourth most traded in the foreign exchange market, after the U.S. dollar, the euro and the Japanese yen.

13. There Are 1.4 Billion $2 Bills Still in Circulation

The first $2 bills were printed in 1862. Although they originally featured Alexander Hamilton, they were later redesigned to feature Thomas Jefferson. The bills are still in circulation - 1.4 billion of them in fact - and are considered to be the rarest currency denomination in the U.S. Some people believed $2 bills were bad luck and would rip off the corners of the bill to "reverse the curse," making them unusable.

14. The First Universal Credit Card Was Introduced in 1950

Credit cards originated in the U.S. back in the 1920s, but were issued by individual firms, such as oil companies and hotel chains, to their customers, specifically for purchases made at company outlets. It wasn't until 1950 when Diners Club founders Ralph Schneider and Frank McNamara issued a card that could be used at a variety of establishments. The Diners Club card sparked the modern credit card era. Others soon followed, such as American Express, which debuted their card of this type in 1958.

15. There's an ATM on Every Continent on Earth

One interesting money fact involves how we access it. There are more than 3 million cash machines around the world today. You can get or deposit cash at ATMs in the most remote of places including Easter Island, central Australia, and two at McMurdo Station in Antarctica!

16. The Secret Service Originally Fought Counterfeiting

Today we typically think of the U.S. Secret Service as protection for certain political leaders, including the President and Vice-President and their immediate families. But the agency was founded for a very different reason. By the end of the Civil War, fake money was a significant problem, with nearly one-third of all U.S. paper currency in circulation being counterfeit. As a result, the financial stability of the country was in jeopardy, so in 1865, the Treasury Department established the Secret Service to suppress the counterfeiting. They didn't start protecting the President until 1901, after the assassination of President William McKinley.

17. Most Americans Hoard Their Spare Change

One recent survey by MyBankTracker.com found 55.5% of people do nothing with the loose change they've accumulated. Interestingly, 60.3% of the male respondents said they're more likely to leave their extra coins untouched compared to 51% of the female respondents.

Another survey from Coinstar says people estimate they've got an average of $113 worth of coins in and around their homes.

18. Only 8% of the World's Currency Is Physical Money

Interesting money fact: With mobile banking and electronic payments becoming more and more common, people are earning and spending money without having to even touch it. Economists estimate only 8% of the world's currency is literal cash with the rest existing on computer hard drives in electronic bank accounts.

19. Coins Didn't Always Say "In God We Trust"

The original American penny, reportedly designed by Benjamin Franklin, features a motto he popularized, "Mind Your Business." The message wasn't literally telling people not to be nosy. Instead, it was meant as a literal instruction about business and commerce, to keep focused on your livelihood.

20. US Airports Make Big Money from Loose Change

According to the Department of Homeland Security, airline passengers leave behind thousands of dollars in coins each year at U.S. airport screening checkpoints. In the most recent year studied, the Transportation Security Administration collected $517,978.74 in unclaimed money (mostly coins) from passengers who emptied their pockets while going through the security line. These funds get deposited into a special fund so that collection and spending can be easily tracked. After a period of time, this money is used for civilian airport security expenses.

21. This Century Is Transforming Money

The 2000's ushered in a new way for us to pay for things: mobile payment technology like Venmo, PayPal and Google Pay. Approximately 25% of people worldwide use mobile and digital wallets, ahead of credit cards (22.4%), debit cards (22.3%), and cash (20.5%), says Moneytransfers.com. Globally, the mobile-payment market was worth $1.97 trillion in 2021, up 27.9% from the year prior.

The Takeaway

Learning fun facts about money reminds us there's more to it than its face value. Finding out some fascinating money trivia might even change the way you think about it. These facts can enrich your understanding of the history of our currency system, how it's evolving, and its place in the global market.

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Did you know each dollar bill has its own lifespan? Or wonder why dollar bills are green? Learn these and 19 more fun facts about money.

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Financial literacy month: everything you need to know | GoHenry

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Celebrate 30 days of financial literacy month with tips, tools, and resources to help boost your children’s financial education.

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Financial Literacy Lessons that Draw Students In

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Financial Literacy Lessons that Draw Students In

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From credit score Jenga to the bean game, here's a starter kit of simple financial literacy ideas to incorporate into everyday classes.

Teaching kids how to spend money wisely is an important part of preparing them for life after school, but in middle and high school the traditional mathematics sequence usually crowds out coursework in financial literacy.

A look at state level policy provides clarity: Less than "half of states require a personal finance course as a graduation requirement, and only one in four students have access to such classes," writes Nimah Gobir in an article for KQED's Mindshift. Meanwhile, the research confirms that "students are more likely to budget, save and manage their credit after they take a financial literacy class."

Hoping to discover what high-quality financial literacy might look like, Gobir visited San Marcos High School and Mission Hills High School in Southern California, both about 30 miles from San Diego. She found that students at both schools were highly engaged in their financial coursework, and teachers were shocked by how popular the classes had become in a short period of time. "I went from thinking I was going to teach one section of [the class] to it being what I teach full time now," says Jeff Montooth, a social science teacher at Mission Hills High School.

It's a topic that can require some sensitivity, Montooth acknowledges, given students' different economic backgrounds, so he often centers class discussions around his own financial journey-including the mistakes he's made. That's obviously not a requirement for teaching financial literacy, but Montooth says it helps put kids at ease. "By being open with them from the very beginning, I think it sets the tone of letting them know that it's OK that somebody doesn't have all the right answers," Montooth tells Gobir.

While a stand-alone financial literacy course may not be in the cards for many schools, we curated a set of ideas-drawn from Gobir's reporting and from our archives-that teachers are using to slip engaging lessons about money, savings, and financial planning into the curriculum.

Play credit score Jenga

To teach her high school students about credit scores, Kailen Stover, a family and consumer sciences teacher in Colorado, likes a riff on the game of Jenga. She prepares for the activity by writing a number from 1 to 50 on every Jenga block, with numbers corresponding to one of 50 possible finance-related events. Some are good events ("You pay off your credit card every month in full: +45"); some are bad ("You forgot and paid your car loan 30 days late: -70"); and some are neutral ("You went to the movie theater and paid in cash for the ticket. No change"). As the game progresses, students keep track of how each event impacts their overall credit score-for better or for worse. If someone knocks over their tower, it's financial catastrophe: The person's credit score plummets.

Draft budgets for the future

At both high schools that Gobir visited, students were asked to imagine their future lives, then attempt to sketch out a corresponding budget. It's a straightforward but surprisingly powerful activity. Students can think about a job they'd want in the future, look up its average salary, then try to construct a budget around that figure-factoring in estimated prices for rent, groceries, utility bills, etc. While the activity slots easily into math class, it might also work in a social studies lesson during which students explore how geography impacts personal finances, or look at how macroeconomic conditions like inflation and earnings-to-debt ratio affect consumer spending power.

Play needs versus wants

Understanding the difference between what they need and what they want isn't always clear for kids. As part of teaching students the importance of planning and saving, educators at Walter Bracken STEAM Academy Elementary School in Las Vegas have students play a card game that gets them distinguishing between the two.

In the game, groups of students are given a variety of cards (made from cut-up pieces of printer paper) that have the names and pictures of items on them-things like blankets, cellphones, dried food, and candy. In their groups, the students have to choose six items that they'd take with them on a deserted island. The game helps kids think through important financial and quality of life questions, setting up classroom conversations that typically might not happen until they're much older. (Jump to 3:05 in the video below to see the game in action.)

Work From real-world examples

For a lesson about compound interest, Montooth told his students he didn't start saving for retirement until his thirties. He then "took out a calculator and showed students how much money he would have made if he started earlier," Gobir reports. Similarly, teachers could show students sample credit card statements or retirement accounts. Many students will have heard about 401(k) accounts, but have very little sense for what retirement savings actually look like or how those savings grow. In the same vein, Tara Razi, a personal finance teacher at San Marcos High School, uses her own mortgage as an example to teach her students about mortgages, principal, interest rates, and loan terms-though there are many other resources to support this lesson that don't involve sharing personal information.

Parcel Out Beans

Some of the options are more expensive than others; within transportation, for example, riding a bus equals 1 bean, while buying a new car and gas equals 4 beans. In small teams, students have to decide how to budget their 20 beans. Then, the teacher spins a digital wheel to see if an adverse event occurs to the whole class. An unexpected injury like a broken leg, for instance, means students must remove 3 beans from somewhere on their page, if they chose not to include health insurance in their original budget. This simple game can launch a conversation about budgeting, how to prioritize the essentials, and how to engage in basic risk analysis. (Check it out below, starting around 1:20.)

Break down credit cards

Kids are curious about getting their first credit cards, but they often don't understand the mechanisms at play behind credit, interest, debt, and hidden fees. In her class at San Marcos High School, Razi has students compare the interest rates, cashback policies, benefits, and late fees of a variety of credit cards in order to determine which have the best terms, Gobir reports.

"[Razi] literally brought her wallet into class and showed us her different credit cards," said one of her students. In math class, consider having students use formulas to create spreadsheets to see how interest rates, fees, monthly payments, and cashback bonuses factor in over time, impacting a credit card holder's net gain or net loss.

Practice filing mock taxes

No one likes it, apparently-except kids. High school students in Montooth's class at Mission Hills seem eager to learn more about the process of filing taxes, Gobir reports, and they use sample pay stubs or real ones from their part-time jobs to complete returns. They really enjoy seeing who ends up with the biggest return, says Montooth. "Those kids aren't going to be scared the first time they have to do their taxes," he says. As an add-on to the activity, consider having students analyze a sample pay stub to explore pre-tax and post-tax deductions, as per this PBS Learning Media lesson, and discuss the breakdown of city, state, and federal taxes so students better understand where their tax dollars are going.

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7 Teacher-Tested Financial Literacy Lessons That Pull Students In

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From credit score Jenga to the bean game, here's a starter kit of simple financial literacy ideas to incorporate into everyday classes.

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Financial Literacy Lessons that Pull Students In

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Financial Literacy Lessons that Pull Students In

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From credit score Jenga to the bean game, here's a starter kit of simple financial literacy ideas to incorporate into everyday classes.

Teaching kids how to spend money wisely is an important part of preparing them for life after school, but in middle and high school the traditional mathematics sequence usually crowds out coursework in financial literacy.

A look at state level policy provides clarity: Less than "half of states require a personal finance course as a graduation requirement, and only one in four students have access to such classes," writes Nimah Gobir in an article for KQED's Mindshift. Meanwhile, the research confirms that "students are more likely to budget, save and manage their credit after they take a financial literacy class."

Hoping to discover what high-quality financial literacy might look like, Gobir visited San Marcos High School and Mission Hills High School in Southern California, both about 30 miles from San Diego. She found that students at both schools were highly engaged in their financial coursework, and teachers were shocked by how popular the classes had become in a short period of time. "I went from thinking I was going to teach one section of [the class] to it being what I teach full time now," says Jeff Montooth, a social science teacher at Mission Hills High School.

It's a topic that can require some sensitivity, Montooth acknowledges, given students' different economic backgrounds, so he often centers class discussions around his own financial journey-including the mistakes he's made. That's obviously not a requirement for teaching financial literacy, but Montooth says it helps put kids at ease. "By being open with them from the very beginning, I think it sets the tone of letting them know that it's OK that somebody doesn't have all the right answers," Montooth tells Gobir.

While a stand-alone financial literacy course may not be in the cards for many schools, we curated a set of ideas-drawn from Gobir's reporting and from our archives-that teachers are using to slip engaging lessons about money, savings, and financial planning into the curriculum.

Play credit score Jenga

To teach her high school students about credit scores, Kailen Stover, a family and consumer sciences teacher in Colorado, likes a riff on the game of Jenga. She prepares for the activity by writing a number from 1 to 50 on every Jenga block, with numbers corresponding to one of 50 possible finance-related events. Some are good events ("You pay off your credit card every month in full: +45"); some are bad ("You forgot and paid your car loan 30 days late: -70"); and some are neutral ("You went to the movie theater and paid in cash for the ticket. No change"). As the game progresses, students keep track of how each event impacts their overall credit score-for better or for worse. If someone knocks over their tower, it's financial catastrophe: The person's credit score plummets.

Draft budgets for the future

At both high schools that Gobir visited, students were asked to imagine their future lives, then attempt to sketch out a corresponding budget. It's a straightforward but surprisingly powerful activity. Students can think about a job they'd want in the future, look up its average salary, then try to construct a budget around that figure-factoring in estimated prices for rent, groceries, utility bills, etc. While the activity slots easily into math class, it might also work in a social studies lesson during which students explore how geography impacts personal finances, or look at how macroeconomic conditions like inflation and earnings-to-debt ratio affect consumer spending power.

Play needs versus wants

Understanding the difference between what they need and what they want isn't always clear for kids. As part of teaching students the importance of planning and saving, educators at Walter Bracken STEAM Academy Elementary School in Las Vegas have students play a card game that gets them distinguishing between the two.

In the game, groups of students are given a variety of cards (made from cut-up pieces of printer paper) that have the names and pictures of items on them-things like blankets, cellphones, dried food, and candy. In their groups, the students have to choose six items that they'd take with them on a deserted island. The game helps kids think through important financial and quality of life questions, setting up classroom conversations that typically might not happen until they're much older. (Jump to 3:05 in the video below to see the game in action.)

Work From real-world examples

For a lesson about compound interest, Montooth told his students he didn't start saving for retirement until his thirties. He then "took out a calculator and showed students how much money he would have made if he started earlier," Gobir reports. Similarly, teachers could show students sample credit card statements or retirement accounts. Many students will have heard about 401(k) accounts, but have very little sense for what retirement savings actually look like or how those savings grow. In the same vein, Tara Razi, a personal finance teacher at San Marcos High School, uses her own mortgage as an example to teach her students about mortgages, principal, interest rates, and loan terms-though there are many other resources to support this lesson that don't involve sharing personal information.

Parcel Out Beans

Some of the options are more expensive than others; within transportation, for example, riding a bus equals 1 bean, while buying a new car and gas equals 4 beans. In small teams, students have to decide how to budget their 20 beans. Then, the teacher spins a digital wheel to see if an adverse event occurs to the whole class. An unexpected injury like a broken leg, for instance, means students must remove 3 beans from somewhere on their page, if they chose not to include health insurance in their original budget. This simple game can launch a conversation about budgeting, how to prioritize the essentials, and how to engage in basic risk analysis. (Check it out below, starting around 1:20.)

Break down credit cards

Kids are curious about getting their first credit cards, but they often don't understand the mechanisms at play behind credit, interest, debt, and hidden fees. In her class at San Marcos High School, Razi has students compare the interest rates, cashback policies, benefits, and late fees of a variety of credit cards in order to determine which have the best terms, Gobir reports.

"[Razi] literally brought her wallet into class and showed us her different credit cards," said one of her students. In math class, consider having students use formulas to create spreadsheets to see how interest rates, fees, monthly payments, and cashback bonuses factor in over time, impacting a credit card holder's net gain or net loss.

Practice filing mock taxes

No one likes it, apparently-except kids. High school students in Montooth's class at Mission Hills seem eager to learn more about the process of filing taxes, Gobir reports, and they use sample pay stubs or real ones from their part-time jobs to complete returns. They really enjoy seeing who ends up with the biggest return, says Montooth. "Those kids aren't going to be scared the first time they have to do their taxes," he says. As an add-on to the activity, consider having students analyze a sample pay stub to explore pre-tax and post-tax deductions, as per this PBS Learning Media lesson, and discuss the breakdown of city, state, and federal taxes so students better understand where their tax dollars are going.

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7 Teacher-Tested Financial Literacy Lessons That Pull Students In

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From credit score Jenga to the bean game, here's a starter kit of simple financial literacy ideas to incorporate into everyday classes.

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Making Cents: Financial Literacy Educational Videos | PBS LearningMedia

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With this video series, teach elementary and secondary students how to manage their money and foster an entrepreneurial spirit. Visit KSPS Education for more additional learning resources.

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Making Cents: Financial Literacy Educational Videos | PBS LearningMedia

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With this video series, teach elementary and secondary students how to manage their money and foster an entrepreneurial spirit. Visit KSPS Education for more additional learning resources.

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EconEdLink - Financial Literacy Bingo Cards

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In this personal finance activity, students will talk about their finances using financial literacy tasks.

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EconEdLink - Financial Literacy Bingo Cards

# data[].attributes.attachment_link.description
In this personal finance activity, students will talk about their finances using financial literacy tasks.

# data[].attributes.attachment_link.title
EconEdLink - Financial Literacy Bingo Cards

# data[].attributes.attachment_link.description
In this personal finance activity, students will talk about their finances using financial literacy tasks.

# data[].attributes.attachment_link.readable_text
How do most kids learn to excel at the important things in life? Education and practice are the main ingredients. Yet most kids don't learn enough of what it takes to manage their money from childhood and beyond.

In fact, in December of 2019, The National Financial Educators Council (NFEC) asked nearly 7,000 teens and young adults (aged 15-18) across all 50 states to respond to a test measuring their current personal finance knowledge. This 30-question quiz assessed respondents' capability to earn, save, and grow wealth. According to the results, the average level of money management knowledge among the sample was 64.9%.

Luckily, awareness of this issue is on the rise, and high school students in 21 states must now take a personal finance course to graduate.

When young people understand how to manage money, they are equipped with a skill that is key to making their dreams a reality.

Why is financial literacy important?

Financial literacy is key to understanding how to save, earn, borrow, invest, and protect your money wisely. It is also essential to developing short- and long-term financial habits and skills that lead to greater financial well-being.

Now, more than ever

At least 72% of students say personal finance stresses them out and the current world health crisis cause by COVID-19 could put an added financial burden on many young people. Now more than ever, students need education and resources to help them understand how to make it through these difficult financial times.

DoSomething.org is doing just that. Something. The largest organization for young people and social change launched "Would You Rather?", a nationwide financial literacy campaign that teaches young people how to make and save money, while social distancing during COVID-19

Through "Would You Rather?", young people are invited to answer five amusing financial questions. Questions like: To save money, would you rather... a) Share a cellphone with your grandma? or b) Share a closet with your ex? (A. Definitely A for us)

Upon completing each question, test-takers receive a personal finance tip along with comprehensive digital personal finance guides. You can take that quiz here.

Let the (financial literacy) games begin.

While not new, gamification has become an increasingly popular and legitimate way to teach students of all ages useful skills and concepts. For something like money education that can be dry and dull if taught in another format, it can be a lifesaver.

There's a big difference between which financial literacy lessons are valuable to a 5-year-old than a 15-year-old. To make the best financial literacy games for your kids easy to pinpoint, below are suggestions, divided by age group.

Grades K-5

Before you can focus on more complicated concepts like saving and investments, kids have to learn the basic concepts of what money is and what different bills and coins are worth. Here are five more game suggestions for your little money-mavens:

1. Learning Coins - Learning Coins from ABCYa provides kids with an introduction to what each of the different coins is, how to recognize them, and what they're worth.

2. Money Bingo - Also from ABCYa, Money Bingo lets kids put their coin knowledge to use, along with some math skills, to fill a virtual bingo card.

3. Dolphin Feed - Once you've mastered those first two games, ABCYa has one more financial literacy game for students at a slightly higher level. Dolphin Feed lets you compete against other kids to see who can make the right change the fastest.

4. Escape from Barter Island - Escape from Barter Island helps kids learn just why we use money, to begin with. It teaches what bartering is and shows why it's less practical than currency. This one does require some reading, so you might need to help the younger kids out with it.

5. Dollar Dive - From the U.S. Mint, Dollar Dive is a cross between Dolphin Feed and Space Invaders - your character has to "catch" coins as they fly above to make enough money to move forward.

Grades 5-8

1. Financial Football - From Visa's Practical Money initiative, Financial Football mixes financial literacy in with America's favorite sport (for kids that prefer soccer, they have an alternate version).

2. Hot Shot Business - Hot Shot Business takes kids to Opportunity City and gives them a chance to run a popular local business - with all the challenges and successes that come with it.

3. Lights, Camera, Budget - This game puts your child in the role of a movie producer. They'll be given a $100 million budget to create a 5-star movie.

4. Break The Bank - Brought to you by Biz Kids. This game puts you in the role of a worker at a community bank, helping customers get good loans and save for their future. But wait, you must go against Mr. Boar and his clerks from a payday loan company. Learn the ethics of banking and debt in this fun game.

5. Hit The Road - This Oregon Trail-inspired game takes you on a road trip across America. Learn the importance of saving and creating a budget, responsible spending, and debt management.

High school and beyond

1. ZOGO - Get paid to learn financial literacy and earn gift card rewards from your favorite brands. Play through short modules that cover topics ranging from buying a car to investing in the stock market. It's easy to get started. Just download the app and enter in the access code FITZSIMONSCU to start earning rewards.

2. Get a Life - Get a Life lets students pick a career and then create a budget and make other spending decisions based on the monthly salary that comes with it.

3. The Stock Market Game - Learn to play the stock market without the risk. Students can get a feel for how investing works, the risks involved, and which investments are the best choice.

4. Invest Quest - Modeled after a board game, Invest Quest helps older students test their financial knowledge to better understand how to make good investments.

5. Misadventures in Money Management - The Consumer Financial Protection Bureau created a fun online game for teens using a graphic-novel theme. Topics covered include: avoiding impulse purchases, how debt can affect a military career, and much more.

6. The Uber Game - Can a person survive on a job in the "gig economy"? That's what this game attempts to reveal to your students. They'll be given an urgent financial need (such as - your mortgage of $1,000 is due in a week), and then will need to accept gig jobs from Uber in order to try and save up enough to pay their bills.

7. Payback - This financial simulation game can help teens make better life decisions. They'll pick out careers and majors based on simulating what kinds of jobs they might find when they graduate, and how much their student loans might be.

We can't forget the grown-ups

Let's be real. Financial literacy learning isn't just for kids. We 'kids at heart' could always use a refresher on topics like managing debt, using credit cards, and protecting your identity. We've rounded up a few great places to start your extra-curricular learning.

1. Invest in You: Money 101 - CBNC offers this 8-week learning course to financial freedom for free and that's not even the best part. It's delivered directly to your inbox weekly. Talk about barely having to lift a finger.

2. Money Basics - Smart About Money's Money Basics courses help you to form a healthy financial foundation for the rest of your personal finance journey. Each course takes approximately 45 minutes to complete and includes valuable tools and resources including worksheets, calculators, and quizzes.

Financial literacy in your local community

We are huge supporters of financial literacy in our communities. On top of our l ibrary of financial resources, we also offer monthly financial literacy webinars and seminars. Check out our calendar for upcoming events or check out our YouTube channel to see recordings of past webinars.

Take financial education to the next level with a Fitzsimons' youth account. Our youth accounts offer perks like yearly birthday checks, free teen checking accounts with rewards, and seasonal matching deposit bonuses. Schedule an appointment at one of our branches to open a youth account, today!

This blog post was originally posted on Kasasa's website

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13 Financial Literacy Games For Children And Adults (Gamification Resources) - Fitzsimons Credit Union

# data[].attributes.attachment_link.description
How do most kids learn to excel at the important things in life? Education and practice are the main ingredients. Yet most kids don't learn enough of what it takes to manage their money from childhood and beyond.

# data[].attributes.attachment_link.readable_text
How do most kids learn to excel at the important things in life? Education and practice are the main ingredients. Yet most kids don't learn enough of what it takes to manage their money from childhood and beyond.

In fact, in December of 2019, The National Financial Educators Council (NFEC) asked nearly 7,000 teens and young adults (aged 15-18) across all 50 states to respond to a test measuring their current personal finance knowledge. This 30-question quiz assessed respondents' capability to earn, save, and grow wealth. According to the results, the average level of money management knowledge among the sample was 64.9%.

Luckily, awareness of this issue is on the rise, and high school students in 21 states must now take a personal finance course to graduate.

When young people understand how to manage money, they are equipped with a skill that is key to making their dreams a reality.

Why is financial literacy important?

Financial literacy is key to understanding how to save, earn, borrow, invest, and protect your money wisely. It is also essential to developing short- and long-term financial habits and skills that lead to greater financial well-being.

Now, more than ever

At least 72% of students say personal finance stresses them out and the current world health crisis cause by COVID-19 could put an added financial burden on many young people. Now more than ever, students need education and resources to help them understand how to make it through these difficult financial times.

DoSomething.org is doing just that. Something. The largest organization for young people and social change launched "Would You Rather?", a nationwide financial literacy campaign that teaches young people how to make and save money, while social distancing during COVID-19

Through "Would You Rather?", young people are invited to answer five amusing financial questions. Questions like: To save money, would you rather... a) Share a cellphone with your grandma? or b) Share a closet with your ex? (A. Definitely A for us)

Upon completing each question, test-takers receive a personal finance tip along with comprehensive digital personal finance guides. You can take that quiz here.

Let the (financial literacy) games begin.

While not new, gamification has become an increasingly popular and legitimate way to teach students of all ages useful skills and concepts. For something like money education that can be dry and dull if taught in another format, it can be a lifesaver.

There's a big difference between which financial literacy lessons are valuable to a 5-year-old than a 15-year-old. To make the best financial literacy games for your kids easy to pinpoint, below are suggestions, divided by age group.

Grades K-5

Before you can focus on more complicated concepts like saving and investments, kids have to learn the basic concepts of what money is and what different bills and coins are worth. Here are five more game suggestions for your little money-mavens:

1. Learning Coins - Learning Coins from ABCYa provides kids with an introduction to what each of the different coins is, how to recognize them, and what they're worth.

2. Money Bingo - Also from ABCYa, Money Bingo lets kids put their coin knowledge to use, along with some math skills, to fill a virtual bingo card.

3. Dolphin Feed - Once you've mastered those first two games, ABCYa has one more financial literacy game for students at a slightly higher level. Dolphin Feed lets you compete against other kids to see who can make the right change the fastest.

4. Escape from Barter Island - Escape from Barter Island helps kids learn just why we use money, to begin with. It teaches what bartering is and shows why it's less practical than currency. This one does require some reading, so you might need to help the younger kids out with it.

5. Dollar Dive - From the U.S. Mint, Dollar Dive is a cross between Dolphin Feed and Space Invaders - your character has to "catch" coins as they fly above to make enough money to move forward.

Grades 5-8

1. Financial Football - From Visa's Practical Money initiative, Financial Football mixes financial literacy in with America's favorite sport (for kids that prefer soccer, they have an alternate version).

2. Hot Shot Business - Hot Shot Business takes kids to Opportunity City and gives them a chance to run a popular local business - with all the challenges and successes that come with it.

3. Lights, Camera, Budget - This game puts your child in the role of a movie producer. They'll be given a $100 million budget to create a 5-star movie.

4. Break The Bank - Brought to you by Biz Kids. This game puts you in the role of a worker at a community bank, helping customers get good loans and save for their future. But wait, you must go against Mr. Boar and his clerks from a payday loan company. Learn the ethics of banking and debt in this fun game.

5. Hit The Road - This Oregon Trail-inspired game takes you on a road trip across America. Learn the importance of saving and creating a budget, responsible spending, and debt management.

High school and beyond

1. ZOGO - Get paid to learn financial literacy and earn gift card rewards from your favorite brands. Play through short modules that cover topics ranging from buying a car to investing in the stock market. It's easy to get started. Just download the app and enter in the access code FITZSIMONSCU to start earning rewards.

2. Get a Life - Get a Life lets students pick a career and then create a budget and make other spending decisions based on the monthly salary that comes with it.

3. The Stock Market Game - Learn to play the stock market without the risk. Students can get a feel for how investing works, the risks involved, and which investments are the best choice.

4. Invest Quest - Modeled after a board game, Invest Quest helps older students test their financial knowledge to better understand how to make good investments.

5. Misadventures in Money Management - The Consumer Financial Protection Bureau created a fun online game for teens using a graphic-novel theme. Topics covered include: avoiding impulse purchases, how debt can affect a military career, and much more.

6. The Uber Game - Can a person survive on a job in the "gig economy"? That's what this game attempts to reveal to your students. They'll be given an urgent financial need (such as - your mortgage of $1,000 is due in a week), and then will need to accept gig jobs from Uber in order to try and save up enough to pay their bills.

7. Payback - This financial simulation game can help teens make better life decisions. They'll pick out careers and majors based on simulating what kinds of jobs they might find when they graduate, and how much their student loans might be.

We can't forget the grown-ups

Let's be real. Financial literacy learning isn't just for kids. We 'kids at heart' could always use a refresher on topics like managing debt, using credit cards, and protecting your identity. We've rounded up a few great places to start your extra-curricular learning.

1. Invest in You: Money 101 - CBNC offers this 8-week learning course to financial freedom for free and that's not even the best part. It's delivered directly to your inbox weekly. Talk about barely having to lift a finger.

2. Money Basics - Smart About Money's Money Basics courses help you to form a healthy financial foundation for the rest of your personal finance journey. Each course takes approximately 45 minutes to complete and includes valuable tools and resources including worksheets, calculators, and quizzes.

Financial literacy in your local community

We are huge supporters of financial literacy in our communities. On top of our l ibrary of financial resources, we also offer monthly financial literacy webinars and seminars. Check out our calendar for upcoming events or check out our YouTube channel to see recordings of past webinars.

Take financial education to the next level with a Fitzsimons' youth account. Our youth accounts offer perks like yearly birthday checks, free teen checking accounts with rewards, and seasonal matching deposit bonuses. Schedule an appointment at one of our branches to open a youth account, today!

This blog post was originally posted on Kasasa's website

# data[].attributes.attachment_link.title
13 Financial Literacy Games For Children And Adults (Gamification Resources) - Fitzsimons Credit Union

# data[].attributes.attachment_link.description
How do most kids learn to excel at the important things in life? Education and practice are the main ingredients. Yet most kids don't learn enough of what it takes to manage their money from childhood and beyond.

# data[].attributes.attachment_link.readable_text
How do most kids learn to excel at the important things in life? Education and practice are the main ingredients. Yet most kids don't learn enough of what it takes to manage their money from childhood and beyond.

In fact, in December of 2019, The National Financial Educators Council (NFEC) asked nearly 7,000 teens and young adults (aged 15-18) across all 50 states to respond to a test measuring their current personal finance knowledge. This 30-question quiz assessed respondents' capability to earn, save, and grow wealth. According to the results, the average level of money management knowledge among the sample was 64.9%.

Luckily, awareness of this issue is on the rise, and high school students in 21 states must now take a personal finance course to graduate.

When young people understand how to manage money, they are equipped with a skill that is key to making their dreams a reality.

Why is financial literacy important?

Financial literacy is key to understanding how to save, earn, borrow, invest, and protect your money wisely. It is also essential to developing short- and long-term financial habits and skills that lead to greater financial well-being.

Now, more than ever

At least 72% of students say personal finance stresses them out and the current world health crisis cause by COVID-19 could put an added financial burden on many young people. Now more than ever, students need education and resources to help them understand how to make it through these difficult financial times.

DoSomething.org is doing just that. Something. The largest organization for young people and social change launched "Would You Rather?", a nationwide financial literacy campaign that teaches young people how to make and save money, while social distancing during COVID-19

Through "Would You Rather?", young people are invited to answer five amusing financial questions. Questions like: To save money, would you rather... a) Share a cellphone with your grandma? or b) Share a closet with your ex? (A. Definitely A for us)

Upon completing each question, test-takers receive a personal finance tip along with comprehensive digital personal finance guides. You can take that quiz here.

Let the (financial literacy) games begin.

While not new, gamification has become an increasingly popular and legitimate way to teach students of all ages useful skills and concepts. For something like money education that can be dry and dull if taught in another format, it can be a lifesaver.

There's a big difference between which financial literacy lessons are valuable to a 5-year-old than a 15-year-old. To make the best financial literacy games for your kids easy to pinpoint, below are suggestions, divided by age group.

Grades K-5

Before you can focus on more complicated concepts like saving and investments, kids have to learn the basic concepts of what money is and what different bills and coins are worth. Here are five more game suggestions for your little money-mavens:

1. Learning Coins - Learning Coins from ABCYa provides kids with an introduction to what each of the different coins is, how to recognize them, and what they're worth.

2. Money Bingo - Also from ABCYa, Money Bingo lets kids put their coin knowledge to use, along with some math skills, to fill a virtual bingo card.

3. Dolphin Feed - Once you've mastered those first two games, ABCYa has one more financial literacy game for students at a slightly higher level. Dolphin Feed lets you compete against other kids to see who can make the right change the fastest.

4. Escape from Barter Island - Escape from Barter Island helps kids learn just why we use money, to begin with. It teaches what bartering is and shows why it's less practical than currency. This one does require some reading, so you might need to help the younger kids out with it.

5. Dollar Dive - From the U.S. Mint, Dollar Dive is a cross between Dolphin Feed and Space Invaders - your character has to "catch" coins as they fly above to make enough money to move forward.

Grades 5-8

1. Financial Football - From Visa's Practical Money initiative, Financial Football mixes financial literacy in with America's favorite sport (for kids that prefer soccer, they have an alternate version).

2. Hot Shot Business - Hot Shot Business takes kids to Opportunity City and gives them a chance to run a popular local business - with all the challenges and successes that come with it.

3. Lights, Camera, Budget - This game puts your child in the role of a movie producer. They'll be given a $100 million budget to create a 5-star movie.

4. Break The Bank - Brought to you by Biz Kids. This game puts you in the role of a worker at a community bank, helping customers get good loans and save for their future. But wait, you must go against Mr. Boar and his clerks from a payday loan company. Learn the ethics of banking and debt in this fun game.

5. Hit The Road - This Oregon Trail-inspired game takes you on a road trip across America. Learn the importance of saving and creating a budget, responsible spending, and debt management.

High school and beyond

1. ZOGO - Get paid to learn financial literacy and earn gift card rewards from your favorite brands. Play through short modules that cover topics ranging from buying a car to investing in the stock market. It's easy to get started. Just download the app and enter in the access code FITZSIMONSCU to start earning rewards.

2. Get a Life - Get a Life lets students pick a career and then create a budget and make other spending decisions based on the monthly salary that comes with it.

3. The Stock Market Game - Learn to play the stock market without the risk. Students can get a feel for how investing works, the risks involved, and which investments are the best choice.

4. Invest Quest - Modeled after a board game, Invest Quest helps older students test their financial knowledge to better understand how to make good investments.

5. Misadventures in Money Management - The Consumer Financial Protection Bureau created a fun online game for teens using a graphic-novel theme. Topics covered include: avoiding impulse purchases, how debt can affect a military career, and much more.

6. The Uber Game - Can a person survive on a job in the "gig economy"? That's what this game attempts to reveal to your students. They'll be given an urgent financial need (such as - your mortgage of $1,000 is due in a week), and then will need to accept gig jobs from Uber in order to try and save up enough to pay their bills.

7. Payback - This financial simulation game can help teens make better life decisions. They'll pick out careers and majors based on simulating what kinds of jobs they might find when they graduate, and how much their student loans might be.

We can't forget the grown-ups

Let's be real. Financial literacy learning isn't just for kids. We 'kids at heart' could always use a refresher on topics like managing debt, using credit cards, and protecting your identity. We've rounded up a few great places to start your extra-curricular learning.

1. Invest in You: Money 101 - CBNC offers this 8-week learning course to financial freedom for free and that's not even the best part. It's delivered directly to your inbox weekly. Talk about barely having to lift a finger.

2. Money Basics - Smart About Money's Money Basics courses help you to form a healthy financial foundation for the rest of your personal finance journey. Each course takes approximately 45 minutes to complete and includes valuable tools and resources including worksheets, calculators, and quizzes.

Financial literacy in your local community

We are huge supporters of financial literacy in our communities. On top of our l ibrary of financial resources, we also offer monthly financial literacy webinars and seminars. Check out our calendar for upcoming events or check out our YouTube channel to see recordings of past webinars.

Take financial education to the next level with a Fitzsimons' youth account. Our youth accounts offer perks like yearly birthday checks, free teen checking accounts with rewards, and seasonal matching deposit bonuses. Schedule an appointment at one of our branches to open a youth account, today!

This blog post was originally posted on Kasasa's website

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13 Financial Literacy Games For Children And Adults (Gamification Resources) - Fitzsimons Credit Union

# data[].attributes.attachment_link.description
How do most kids learn to excel at the important things in life? Education and practice are the main ingredients. Yet most kids don't learn enough of what it takes to manage their money from childhood and beyond.

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When lenders make money, borrowers lose. Shady Sam is designed to demonstrate how loan terms can hurt you if you don't pay attention. Do you have what it takes to swim with the Sharks?

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Arkansas Next Money - 2023/2024 | ABPG - Page 1

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Arkansas NEXT and Arkansas NEXT: Pros comes a publication all about how to handle money wisely from a young age. With topics like budgeting, handling debt and saving first, Arkansas NEXT: Money is here as a guide to a bright financial future.