High school student learning how to budget

High School Lessons

High School Financial Education Lesson Plans

Our program provides teachers with the resources they need to teach students how to manage their money, plan for their future, build a spending plan, and prepare for life after high school.

All modules include worksheets, instructions, and everything you need to teach online or in the classroom environment.

Learning money skills

Module 1: Intro to Personal Finance

Many High School students don’t spend their time worrying about finances, but they are at the age where financial decision making is starting to impact their lives. This lesson will act as a pre-assessment, giving the instructor an idea of each students comfort and knowledge of financial literacy. It also includes a post-assessment and long-term and short-term goals.

Learning money skills

Module 2: Career Planning

Students will explore different career paths and interests by reflecting on their likes and dislikes to see what careers fit their personality.  By the end of the lesson, students will understand the path they need to take to be qualified for the careers they are interested in, the availability of landing a job in that specific career, and what day to day life looks like once hired into the role.

Learning money skills

Module 3: Earning Potential

Students will understand how their earning potential increases through obtaining different levels of credentials.The first half leads students through an in-class discovery of personal potential. It would be possible to lead students through this in an online class meet up.The second half teaches students about earning potential and earning possibilities.

Learning money skills

Module 4: Life Stages

Students will review the stages of their financial life and the potential impact certain actions can have on their life. Students will also reflect on their current spending habits to see if those habits align with the goals they have for their futures..

Learning money skills

Module 5: Employee Benefits

Students will learn how to evaluate a job based on all the benefits of the job offer. Students will also think about what preferences are most important when looking for a job, some of which may not be paid benefits but instead benefits of location or hours.

Learning money skills

Module 6: Take Home Pay

Students will understand the parts of their paycheck and why the amount they earn is not the amount they get to keep. Net Pay and Gross Pay will be key components of the lesson.

Learning money skills

Module 7: Exponential Growth and Purchasing a Home(Math)

Students will learn how to calculate exponential growth in relation to buying a home. This lesson includes a PowerPoint that explains how and why financial institutions generate wealth and will lead students through the basic equation that will tell them what they will pay for a home over the life of a loan. Extra practice is provided with worksheets listing Portland area homes and their sale prices.

Learning money skills

Module 8: Exponential Decay (Math)

Students will learn that some items depreciate over time using the example of a vehicle. Students will learn how to change the Exponential growth formula to represent decay.

Pre-learning lesson – Exponential Growth

Learning money skills

Module 9: Compound Interest (Math)

Students will learn the importance of compound interest and the impact time has on their future investments – leading them to understand investing early can lead to future wealth. Students will write a sound bite, do a web quest, and a worksheet is available to practice calculating compound and simple interest..

Learning money skills

Module 10: Rule of 72 (Math)

A mini lesson showing students a simplified way to estimate the time it takes an investment to double.

Financial Reality Fair

PNWFCU hosts financial reality fairs to help high schoolers experience some of the real-life financial challenges they will face after graduation.

Click here to see a video about the fair, or contact us if you are interested in scheduling a fair at your school.

Questions? Get in Touch

Contact us with any questions or to request Kristin to teach in your classroom.

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Financial Literacy Program

How It Works

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Elementary School


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Middle School