Kickstart Financial Literacy For Middle School Students


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


By the time students 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 don’t have the money management skills they need to navigate the modern financial world. The MassMutual Foundation has partnered with EVERFI to develop the FutureSmart Digital course, which offers critical financial literacy for middle and high school students across the United States, absolutely free of charge.

FutureSmart provides financial literacy for kids in grades 6-8 and empowers them to effectively manage their finances, make sound decisions, and become financially responsible. Through a story-based narrative and interactive exercises, students learn to make real-life decisions about their personal finances, as well as how to achieve important goals around saving money, education and career planning, and budgeting.

If you are a teacher looking for financial literacy lesson plans for middle school students, FutureSmart is for you.

[Currently available only to U.S. Schools]

Part of EVERFI's Financial Capability Network

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SUGGESTED PLACEMENTEconomics, Business or Social Studies
TIME3.5 Hours
NO COSTFree for Teachers and Students
STANDARDSJump$tart Coalition’s National Standards for K-12 Personal Finance Education, National Curriculum Standards for Social Studies, State Academic Standards
LANGUAGESEnglish, Spanish