FutureSmart – Free for Middle School Teachers and Students

Course Overview

Course Description

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

Get Started

Quick Facts

  • Suggested Placement:

    FACS, Economics, Business, or Social Studies

  • Time:

    Seven, 30-minute modules

  • No Cost

    Free for Teachers and Students

  • Standards:

    Jump$tart Financial Literacy National Standards

Featured Lessons

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

Lesson #4

Topics covered: 

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

Let’s Talk

We’d love to tell you more about our platform and how they can help you open new doors of opportunity for your students. So go ahead. Give us a shout.

Harvard Case Study

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