By the time young people reach middle school, they have already developed the capacity to understand complex economic concepts, make financial judgments, and assign value to purchases and brands. Yet the majority of today’s students are not receiving the personal finance education they need to navigate the modern financial world. The MassMutual Foundation has partnered with EverFi to lead a major initiative to bring critical financial education to middle and high school students across the United States.

FutureSmart empowers students to effectively manage their finances, make sound decisions, and become stewards of their financial future. Through the story-based narrative, students play the mayor of a town as they help local citizens make real-life, personal finance decisions. Interactive exercises challenge students to make choices in real-life scenarios to achieve important goals around saving, education and career planning, and budgeting.

Topics Covered:

  • Financial Values & Goal-Setting
  • Budgeting and Opportunity Costs
  • Saving and Investing
  • Payment Types
  • Banking
  • Risk vs. Return
  • Planning for the Future

Course Overview

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By assuming the role of Townville’s Mayor and helping the citizens achieve their financial goals, students embody perspectives and address real-world financial decisions within the context of a larger goal. The result is a learning experience that builds healthy financial habits and encourages students to apply a variety of financial skills to many connected decisions, rather than in isolation.

  • Lesson #2

    Topics Covered:

    - Opportunity Cost
    - Creating & Prioritizing a Budget/Spending Plan
    - Comparison Shopping (Needs vs. Wants)
    - Researching Spending Decisions
    - Budgeting Strategies & Tips

  • Lesson #3

    Topics Covered:

    - Earning Income
    - Payment Types
    - Costs of Credit
    - Savings Strategies
    - Borrowing Reputation (Credit Score)
    - Taxes

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  • Lesson #4

    Topics Covered:

    - Career Exploration
    - Education & Training Options
    - Ways to Pay for Higher Education
    - ROI of Higher Education
    - Savings Strategies
    - Opportunity Cost