Finly Teacher Guide
A curriculum sequence for your classroom
For classrooms and afterschool programs teaching ages 13–17: 82 lessons across four sections, two core tracks, and a 10-question pre- and post-assessment with an answer key.
This guide puts Finly's lesson library into a teaching order. It is built for teachers running a full course, a unit inside another class, or an afterschool pilot.
Every lesson listed here already exists on Finly and can be assigned to a class. The guide doesn't add lesson content. It tells you what to teach, in what order, and which parts you can trim when time is short.
The core of the curriculum
The Economics Track and the Personal Finance Track form the core of the curriculum. Complete both in full, or as close to it as your schedule allows. Foundations and General Application are recommended but flexible: pick from them based on the time you have.
Essentials
48 lessons · 7 hr 58 min of lesson time
Both core tracks plus the recommended Foundations and Application lessons.
Full sequence
82 lessons · 13 hr 20 min of lesson time
Every lesson in all four sections.
How completion is recorded
A lesson counts as complete only when a student finishes its quiz and answers at least half of the multiple-choice questions correctly. Reading the lesson isn't enough on its own: students should open the lesson quiz (the "Open full quiz mode" link at the end of each lesson) before moving on.
The printable guide
The PDF adds pacing, class setup steps, student assessment pages, and the answer key.
The lesson sequence
Minutes are each lesson's own reading estimate. They don't include the lesson quiz or class discussion.
Section 2
Foundations
Flexible · choose by timeThe on-ramp: money, choices, and first budgeting and saving ideas. Choose the lessons your students need before the core tracks.
8 lessons · 1 hr 1 min in total · 4 recommended · 31 min
Making Choices with Money is written for ages 8–12. It's included because it is the best treatment of opportunity cost in Finly's library, even though it is tagged for a younger age band. No lesson for ages 13–17 covers the idea in the same depth.
Money & choices
- 1What Is Money?Written for ages 8–12Optional7 min
- 2Needs vs WantsWritten for ages 8–12Optional7 min
- 3Making Choices with MoneyWritten for ages 8–12Recommended7 min
Income & budgeting basics
- 4Understanding Your IncomeRecommended8 min
- 5The 50/30/20 RuleRecommended8 min
- 6Tracking Your MoneyOptional8 min
Saving basics
- 7Short vs Long-Term GoalsOptional8 min
- 8Emergency FundsRecommended8 min
Section 3
Economics Track
Core · complete in fullFrom scarcity and markets to the whole economy, government policy, and global trade.
14 lessons · 2 hr 39 min
North Carolina classrooms can add North Carolina in the US and World Economy after Economic Organizations.
Scarcity, incentives & markets
- 9Types of Economies: How Societies Answer Three Big Questions12 min
- 10Incentives and Profits: Why People and Businesses Do What They Do10 min
- 11Supply and Demand: The Engine Behind Every Price12 min
- 12Market Structures: Who Really Controls the Price?12 min
- 13Microeconomic Indicators: Reading the Numbers Behind Individual Markets10 min
- 14Consumer Impact on the Economy: Your Spending Is Economic Policy11 min
Institutions & the role of government
The whole economy
Trade & the global economy
Section 4
Personal Finance Track
Core · complete in fullBanking, interest, credit, debt, and the basics of investing.
20 lessons · 3 hr 6 min
Banking
Interest
Credit
Debt
Investing basics
Section 5
General Application
Flexible · choose by timeReal-world practice that draws on both core tracks. Start with the recommended lessons and add units that fit your students.
40 lessons · 6 hr 34 min in total · 10 recommended · 1 hr 42 min
Budgeting in practice
- 43Creating a Spending Plan: Your Money With IntentionRecommended12 min
- 44Critiquing Spending Plans: Finding the Leaks and Fixing the LogicRecommended11 min
- 45Irregular IncomeOptional8 min
- 46Budgeting for a GoalOptional8 min
Saving & investing strategies
- 47The Pay Yourself First MethodRecommended8 min
- 48What Net Worth Means and How to Track YoursOptional7 min
- 49Starting to Invest as a TeenOptional8 min
- 50How to Invest Your First $100Recommended8 min
Paychecks & taxes
- 51Reading Your First Pay StubRecommended9 min
- 52Tax Form Preparation: Filing Your First ReturnRecommended13 min
- 53Federal vs State Taxes Explained SimplyOptional8 min
- 54Side Hustles: Taxes and Tracking IncomeOptional9 min
- 55Negotiating Your First SalaryOptional8 min
Everyday banking
- 56Opening Your First Bank AccountOptional8 min
- 57Digital Banking and FintechOptional8 min
Paying for life after high school
- 58Education, Income, Career, and Lifestyle: How Your Choices CompoundOptional12 min
- 59Career and Education Options: Finding the Path That FitsOptional12 min
- 60Postsecondary Costs and Income: Calculating What College Actually CostsRecommended12 min
- 61Minimizing Education Costs: Every Dollar You Don't Borrow is a Dollar You KeepOptional12 min
- 62Scholarships vs Loans: The MathOptional9 min
- 63Student Loans: What You're Actually SigningRecommended10 min
Life after high school
- 64Repaying Student Loans After GraduationOptional10 min
- 65Filing Taxes on Your Own for the First TimeOptional10 min
- 66Living on Your Own: Roommates, Utilities, and RepairsOptional10 min
- 67Your First Benefits EnrollmentOptional10 min
Housing & insurance
- 68Renting Your First Apartment: What to ExpectOptional10 min
- 69Renting, Leasing, and Owning: The True Cost of Where You LiveOptional13 min
- 70How Mortgages WorkOptional9 min
- 71Renters Insurance: Do You Need It?Optional7 min
- 72Car Insurance ExplainedOptional9 min
- 73How Health Insurance Actually WorksRecommended10 min
- 74Insurance and Estate Planning: Protecting What You BuildOptional13 min
Smart, protected consumers
- 75Advertising and Consumer Decisions: Recognizing the Persuasion Around YouOptional11 min
- 76Information for Consumer DecisionsOptional11 min
- 77Consumer Protection Laws: The Rights You Already HaveOptional11 min
- 78Financial Scams Targeting Teens: How to Spot ThemRecommended9 min
- 79Consumer Self-Protection: Using Your Rights Before and After a ProblemOptional11 min
- 80Cryptocurrency: What It Is and the Real RisksOptional9 min
Planning & giving