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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 about budgeting components, evaluating needs vs. wants, analyzing spending behaviors and understand how to create and why you need a personal budget. This course includes quizzes with immediate feedback and a personalized action plan and certificate.

Image from "Creating a financial plan" video.

Creating a Financial Plan for Your Priorities and Goals

Length: 20 minutes

In this course, students will learn how personality factors into financial success, why it’s important to have a financial wellness plan, how to set effective financial goals, when to consult a financial professional and more. This course includes an interactive exercise, a short video, quizzes and a personalized action plan and certificate.

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, defining emergency vs. non-emergency and more. This personalized course includes an on-demand video, two interactive courses, and quizzes with immediate feedback.

Making Spending Decisions

Students will learn about the PACED decision-making model to help make informed spending choices. This activity challenges students to complete the “Making spending decisions” worksheet with spending scenarios and encourages discussion to reflect and share thoughts about spending decisions made with the PACED model.

Creating a Buying Plan

A buying plan can support the purchase of expensive products or services. In this exercise, students will create buying plans for two big-ticket items they may purchase in the future. They will also write an advice column with answers to readers’ questions on the topic.

Budgeting for a Fun Trip or Event

When planning for a trip or an event, creating a budget ahead of time can help keep your expenses under control. Students will work with a partner to plan a budget for an overnight trip to a city or rural setting and reflect on the planning and budgeting process as a way to manage money.


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

Using a short video and interactive exercises, students will learn about changes in credit card use, how to manage credit card payments, how credit card companies make money, how to read and understand important rate, fee and disclosure information and more. This course includes quizzes with immediate feedback.

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, FICO scores and reporting agencies, ways to manage credit scores, why people need credit, how to read a credit report, and the effects of bad credit. This personalized course includes quizzes and provides immediate feedback.

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, practical ways to take out loans, what is considered an appropriate debt load, strategies for using credit effectively, loan types and terminology, how to calculate debt-to-income ratio, and more. This course includes quizzes with immediate feedback.


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

Using class discussion, group and individual activities, and an assessment, students will learn about the reasons for taxes, while evaluating which goods and services are provided by businesses versus governments.

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 about the career development life cycle, how to craft a solid and succinct resume, how to enhance your value at work, when it’s appropriate to ask for a raise, and more. This personalized course includes quizzes and provides immediate feedback.

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, methods for managing their income, and more. This course includes quizzes with immediate feedback.

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 key information about borrowing for college. Students will learn about federal student loan basics, PLUS loans, how to use the NSLDS, eligibility guidelines, loan fees and interest, the 150% rule, smart borrowing and alternate sources of funding, and more. This course includes quizzes with immediate feedback.


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. Students explain the advantages and disadvantages of savings alternatives using the criteria of safety, reward, ease of getting cash, and ease of opening an account. This lesson includes two classroom 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, which entities shape the investing industry, the balance of risk and return, and more. This personalized course includes quizzes and provides immediate feedback.

Loose change inside glass jar to represent retirement savings for Social Security

8 Things to Know About Social Security

Length: 2 minutes

This article shares insights about the Social Security program, the importance of Social Security, and how and when to take advantage of Social Security benefits.

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 various financial vehicles to help save for retirement, the importance of planning early for retirement, how compound interest works, how they can evaluate their own retirement readiness, and more. This personalized course includes interactive exercises and quizzes with immediate feedback.


Financial Decision Making

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

Illustration of green pen next to clipboard with checklist.

Selecting Financial Products and Services

Length: 5 minutes

This guide, provided by the Consumer Financial Protection Bureau, will help students consider and select different products and services based on their particular financial needs.

icon of dollar and money bag

The Cost of Applying to College

Length: 2 minutes

This resourceful infographic gives an overview of costs related to the college application process and helps students prepare for expenses associated with standardized tests, college visits, application fees and more.

Group of students gathering at a riverside park at dusk, sunset.

Community College or University

Length: 2 minutes

This article shares insights about choosing between a community college and a university and reviews a number of factors students should consider.

Online Budgeting Tool


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. Students will discuss how to protect themselves from identity theft and how it applies to the use of credit cards and other personal information such as Social Security numbers and passwords. This course includes classroom activities, videos and an assessment.

Illustrated icons of marionette hand over dollar sign, hand with mobile phone, and bar graph depiciting increase

Common Types of Scams

Length: 2 minutes

This article from the Consumer Financial Protection Bureau outlines some of the most common types of scams and includes links to other articles with more details about each scam.

Illustration of thief at laptop with title "Identity Theft (2000s - Today)"

Protecting Yourself From Identity Theft and Scams

Length: 20 minutes

In this personalized course, students will learn how to assess their risk for identity theft or fraud, practice safe behavior online and identify and avoid scams and threats, protect sensitive documents and records, and more. This course includes interactive exercises, on-demand videos, and quizzes with immediate feedback.

Why Do I Need Insurance? Illustration of protection shield over building, pet car, and health care icons.

Assessing Your Insurance Needs

Length: 45 minutes

In this comprehensive course about insurance, students will learn about basic insurance terms, why insurance is needed, how insurance safeguards their financial future, the cost of being uninsured, and more. This course includes interactive exercises, on-demand videos, and quizzes with immediate feedback.

How Can I Protect Myself From Fraud?

Length: 2 minutes

This article from the Consumer Financial Protection Bureau offers steps students can take to protect themselves and others from fraud and scams. The article includes links to guides and other resources that identify the most recent known scams.

Getting Out of Debt (and Avoiding it in the Future)

Length: 45 minutes

In this course, students will learn about different types of debt, how to recognize and avoid debt relief scams, how to recognize when they may have excessive debt, strategies for getting out of debt, and more. This course includes on-demand videos and quizzes with immediate feedback.

Why Declare Bankruptcy if You're Not Broke

Length: 2 minutes

This article defines the different types of bankruptcies and explains the benefits, drawbacks and scenarios for considering each type.

How to Avoid Foreclosure

Length: 4 minutes

This video explains foreclosure and discusses the most common solutions that people seek out to avoid losing their home.

Everything You Need to Know About Insurance

Length: 7 minutes

In this article, students will learn how insurance minimizes financial liability in the case of a catastrophe and provides peace of mind. The article also covers assessing individual needs in order to determine what types of insurance should be purchased.

Long-Term Care Insurance

Length: 10 minutes

Long-term care is any kind of medical care that requires an extended period of constant care. In this article, students will learn about long-term care insurance, the costs involved, what to consider before purchasing, features of long-term care insurance, and more.

Understanding Health Insurance

Length: 35 minutes

This course describes the variety of different health insurance options available. Students will learn how health insurance works, the basic components of a healthcare plan, why they need health insurance, the different types of providers, using an HSA as a savings tool, and more. This course includes interactive exercises, on-demand videos, and quizzes with immediate feedback.


Please check back frequently

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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