Personal Finance Program

Program Implementation

Classroom Based

Age Range


Grade Level

High school



Financial Literacy

High knowledge

Work Readiness

Little knowledge

About Program

Through JA Personal Finance Blended Model, students experience the interrelationship between today’s financial decisions and future financial freedom

To achieve financial health and wellness, they learn about money-management strategies, including earning, employment and income, budgeting, savings, credit and debt, consumer protection, smart shopping, risk management, and investing. At the conclusion of this program, students will be able to identify how their personal finances affect their quality of life. They will understand how their financial choices will be the basis of how they get what they want and need.

 JA Personal Finance Blended Model consists of eight 45-minute sessions with Additional Opportunities offered throughout. The program has two implementation options—basic or advanced.

  • Basic implementation includes Sessions One–Five delivered by the volunteer.
  • Advanced implementation includes Sessions One–Five delivered by the volunteer and Sessions Six–Eight delivered by the teacher or volunteer.

Basic or advanced implementation depends on educator requirements and correlations to local standards. Contact your local JA Area staff to find out which implementation will be used.


Program Concepts

Benefits versus costs, budgeting, compound interest, consequences, cost of living, credit, credit card fraud, credit reporting and rating, debt, delayed gratification, earnings, education, expense tracking, financial management, identity theft, income, information mining, interest, investing, job skills, limited resources, liquidity, maximizing earnings, opportunity cost, pawnshop, payday loan, priorities, rent-to-own, return on investment, reward, risk, saving, savings plan, unlimited wants, variable and discretionary expenses

Program Skills

Analyze and evaluate data from multiple sources, car buying, comparing results, comparison shopping, computer skills, create savings plan, critical thinking, decision making, disputing unauthorized charges on a credit card, estimating, evaluate the risk and reward of an opportunity, evaluating online resources, evaluating options, evaluating personal skills, grocery shopping, interpreting analogy, long-term planning, online research, personal inventory, planning, predicting outcomes, presentation skills, prioritizing, proactive planning, problem solving, recognizing scams and fraud, requesting and checking credit report, research, saving and investing, sorting, teamwork, tracking expenses, weighing costs and benefits

Program Sessions

Students learn that healthy personal finances require planning and managing. Students begin to analyze the financial implications of educational and career choices as a basis for understanding the relationship between earnings and personal finance.

Students investigate the importance of budgeting and how to plan for staying within a budget.

Students analyze the role that saving plays in their personal finances. They recognize that having a healthy savings plan is necessary in all phases of life but is especially critical for big-ticket items and emergencies.

Students explore the importance of credit and identify the outcomes of wise and poor uses of credit. Students role-play as lenders to evaluate risk and make decisions about giving credit.

Students investigate factors that may pose a threat to their finances and learn ways they can protect themselves through vigilance and making smart choices.

Students explore making informed purchasing decisions to maximize their buying power. They work in groups to compare prices in a simulated shopping experience.

Students investigate risks that can lead to financial loss and practice applying appropriate risk management strategies in scenarios.
Students explore investing and work in groups to simulate evaluating investments with different levels of risk and reward.