Financial education for teaching in Washington

Get tools and resources tailored to state of washington financial literacy standards.

Meet your financial literacy curriculum goals.

The courses, resources and tools provided on this page have been selected by OnPoint to support educators building a curriculum that corresponds with the State of Washington K-12 Financial Literacy Competencies. Select a link below to jump to the individual competency you would like to explore.

Spending and saving

Washington K-12 Competency 1: Students will apply strategies to monitor income and expenses, plan for spending, and save for future goals.

Creating a budget video screen shot "control your money"

Creating a budget (and sticking to it)

Length: 15 minutes

Using a short video and two interactive exercises, students will learn how to create and why you need a personal budget.

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Image from "Creating a financial plan" video.

Creating a financial plan for your priorities and goals

Length: 20 minutes

Students will learn how personality factors into financial success, how to set effective financial goals, and more.

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Using your emergency fund: the difference between an emargency and a non-emergency

Setting up an emergency fund

Length: 30 minutes

Students will learn what an emergency fund is used for, why it’s important, how much to save, ways to grow the emergency fund faster, and more.

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Making spending decisions

This activity helps students to make informed spending choices through the PACED decision-making model.

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Creating a buying plan

In this exercise, students will create buying plans for two big-ticket items they may purchase in the future.

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Budgeting for a fun trip or event

Students will work with a partner to plan a budget for an overnight trip to a city and reflect on the planning and budgeting process as a way to manage money.

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Additional budgeting support tools

Credit and debt

Washington K-12 Competency 2: Students will develop strategies to control and manage credit and debt.

How Credit Cards Work

Using credit cards responsibly

Length: 20 minutes

Students will learn about how to manage credit card payments, how credit card companies make money, how to understand important rate information, and more.

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Credit = Trust. The word "credit" with an arrow pointing upward in line with increasingly taller stacks of coins.

Understanding credit reports and scores

Length: 12 minutes

Students will learn about the different types of credit, ways to manage credit scores, how to read a credit report, the effects of bad credit, and more.

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Optimizing your credit. Shows graphic gague with credit score ranges: 400-490, 490-670, 670-850.

Mastering credit and optimizing your score

Length: 20 minutes

Students will learn the difference between good debt and bad debt, what is considered an appropriate debt load, strategies for using credit effectively, and more.

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Employment and income

Washington K-12 Competency 3: Students will use a career plan to develop personal income potential.

Example image of Goods and Services cards: Restaurant Meal. Shirts. Road Maintenance.

Understanding the reason for taxes

Length: 20 minutes (Grade: 6-8)

Students will learn about the reasons for taxes, while evaluating which goods and services are provided by businesses versus governments.

Get resources and class activities
What is Career Development? Illustration of woman at laptop and increasing bar graph and curved up arrow in the background.

Maximizing earning potential and career development

Length: 15 minutes

Students will learn how to craft a solid resume, how to enhance your value at work, when it’s appropriate to ask for a raise, and more.

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Understanding your paycheck and W2 - illustration of woman and man standing at mail box holding mail or paycheck and file folder

Understanding your paycheck and W2

Length: 18 minutes

Students will learn how different types of workers are paid, how to decode their paycheck, how taxes affect their paycheck, and more.

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icons of calendar, student loan paperwork, cash, and graduation hat

Borrowing smart and preparing for higher education

Length: 20 minutes

This course provides students with information about federal student loan basics, PLUS loans, how to use the NSLDS, loan fees and interest, and more.

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Investing

Washington K-12 Competency 4: Students will implement a diversified investment strategy that is compatible with personal financial goals. Students will use a career plan to develop personal income potential.

teen girl putting dollar banknote into saving glass jar

All saving choices involve risk

Length: 20 minutes

In this lesson plan, students evaluate various alternatives for saving money and learn the risks involved with each choice.

Get lesson plan and activities
Illustration of safe, piggy bank and wallet, with title "Are you ready to invest?"

Investing to build wealth

Length: 30 minutes

Students will learn about basic investing terms and principles, general strategies, the balance of risk and return, and more.

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Illustrated grapic with the following tet: If you can put away just $50 per month, starting when you're 20, by age 30 you'll have saved $77,50. If you can put away $150 per month, starting when you're 20, by age 30 you'll have saved $23,249.

Planning for retirement

Length: 35 minutes

Students will learn about the importance of planning early for retirement, how compound interest works, evaluating their own retirement readiness, and more.

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Additional investment support tools

Financial decision making

Washington K-12 Competency 6: Students will apply reliable information and systematic decision-making to personal financial decisions.

Selecting financial products and services.

Length: 5 minutes

This guide, will help students consider and select different products and services based on their particular financial needs.

Download and share this guide
Illustration of green pen next to clipboard with checklist.

Additional decision making resources

Risk management and insurance

Washington K-12 Competency 5: Students will apply appropriate and cost-effective risk management strategies.

Illustration of credit report with overdue stamp

Cybersecurity and personal finance: identity theft

Length: 90-120 minutes (up to 2 class periods)

Students will learn the importance of protecting themselves from identity theft and determine how this relates to fraud.

Get lesson plan, activities and videos
Illustration of thief at laptop with title "Identity Theft (2000s - Today)"

Protecting yourself from identity theft and scams

Length: 20 minutes

This course helps students learn how to assess their risk for identity theft or fraud, practice safe behavior online and identify and avoid scams and threats.

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Assessing your insurance needs

Length: 45 minutes

Students will learn about basic insurance terms, why insurance is needed, how insurance safeguards their financial future, and more.

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Getting out of debt (and avoiding it in the future)

Length: 45 minutes

In this course, students will learn about types of debt, how to recognize and avoid debt relief scams, strategies for getting out of debt, and more.

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Additional risk management resources

We value your insight and feedback.

We strive to provide valuable resources to help you meet your curriculum goals. We will continue to add more resources covering additional financial literacy state standards and competencies.

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