Schwab MoneyWise ®
Schwab MoneyWise®

National Standards in K-12 Personal Finance Education

What do kids need to know to be financially literate? Download the National Standards (PDF) and use them as a guide to create relevant financial lessons.

Aimed at levels K–12, the National Standards provide a framework for teaching kids of all ages—with specific expectations for grades 4, 8, and 12. Educators at every level can use the standards to:

  • Determine the age-appropriate information that students should know.
  • Provide guidelines for evaluating published educational materials.
  • Help shape lesson plans, unit and course outlines, textbook use, field trips, and other learning activities.
  • Increase awareness of the need for personal finance education, help organizations improve their current programs, and assist in creating effective new personal finance curricula.

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