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Financial Beginnings ~ Financial Footings

The Financial Footings program provides youth an introduction to the world of personal finance. The elementary program is a full service program in which Financial Beginnings provides all of the materials and presenters at no cost to schools or participants. Students are provided with a student workbook to use during sessions and take home with them to continue the lessons. Professionals who work in the financial industry volunteer their time to teach the lessons. These presenters can truly connect with youth by delivering an engaging and relevant program. This free program covers four important topics listed below in a four-hour program, usually broken into 4 one-hour sessions, which can be scheduled to fit each teacher's needs. In addition to financial education, the students are left with a message of responsibility, and a solid footing for a bright financial future.


Topics Covered


Money Matters

  • What is Money
  • Trading and Bartering
  • Producers and Consumers
  • Supply and Demand

Manage It

  • Needs vs. Wants
  • Goals
  • Budgets
  • Types of Income
  • Taxes

Get Banked

  • Banks vs. Credit Unions
  • Checking Accounts
  • Savings Accounts
  • Interest
  • Managing Accounts

Smart Future

  • Credit Score
  • Credit vs. Debit Cards
  • Loans
  • Types of Interest and how it works

What we provide


We provide all students with a copy of the curriculum, and all necessary supplemental materials, which will be sent to the school directly, prior to the program. It is our job to make teachers' work easier; we handle all the details and offer a program that enhances the standards-based math and life-skills teachers are already teaching.  

For more information, Contact Us!

Financial Beginnings is excited to debut its Financial Framings program for middle school students. This new program provides finance education while framing personal financial decisions within the larger local and global economies. Curriculum is taught through an interactive, game-like format, which engages students by presenting real-world economic scenarios. 



The introductory lesson can be taught in a period between 1-2 hours. The introduction walks students through the evolution of currency and the economy. Students then learn about the circular flow of money and how personal and economic situations can affect the flow of money. After providing a foundational knowledge for students, the educator can then utilize scenario cards to apply the information learned to the circular flow of money chart. 


Topics Covered: 

  • Scarcity
  • Interest Rates 
  • Savings 
  • Sanctions 
  • Employment 
  • Regulations 
  • Supply & Demand 
  • Competition 
  • Debt & Default 
  • and More!

The Pathways program helps students successfully transition from high school to post-secondary education (and beyond) through informed and proactive financial decisions. Pathways helps students navigate the complex maze of financial decisions – from loan agreements to household budgeting to choosing a career – that accompanies adulthood. 


Pathways Session Topics 


Pathways includes five modules, each 60-90 minutes, for high school and college students. Modules are taught by Financial Beginnings’ trained volunteers and include: 


Career & Education Path - Students will: identify skills sets and interests for a variety of careers; explore the positions and salary ranges available within their desired careers; determine the educational requirements necessary to pursue their desired career; and, research schools that offer programs that further career objectives. 


Comparing Schools & Costs – Students will research salary averages based on specific education and career aspirations; learn the total cost of their desired schools(s); compare total post-secondary expenses versus out of school annual salary and determine return on investment. 


Financing College – Students will: explore the different options available to pay for college; review available college loans and how interest accumulation and payback options vary; and, learn the basics of a FAFSA and where to access additional support in completing an application. 


Managing Debt Accumulation – Students will:learn how student debt accumulation affects one’s financial future and other life goals; learn how to budget to help limit student debt accumulation and spend and save money wisely; and, explore options for paying a greater amount of education expenses while in school. 


Managing Debt After College – Students will: take a realistic look at post-college living expenses; understand loan restructuring and consolidation options; create a budget for post-college life that includes student loan payments; and set long-term financial goals that incorporate savings and debt management.

"Financial Beginnings' programs are educational, interactive, and fun. My students asked lots of good questions about important topics relevant to them."

- Partnering Educator