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The resources below can be used with high school students and young adults to help them understand and manage their paychecks and income. Teachers can use the resources for employees as reading materials.

In this lesson, students learn about opportunity cost, saving, savings goals and a savings plan by reading The Pickle Patch Bathtub by Frances Kennedy. Students will develop savings plans that lead to their own savings goals.

In this lesson, students are introduced to budgeting. They see how quickly their income can disappear without proper planning and thought. The students participate and discuss what happens in a reader’s theater. They are introduced to a spending tracker

Through this lesson and role-play activity, students will become familiar with how to develop a business plan and the steps an entrepreneur should take to become a business owner. They will learn personal finance concepts that relate to entrepreneurship.

Using some form of credit is a necessity for most adults. Unfortunately, some misuse credit, and the consequences can be devastating. The earlier young people learn about credit, the more likely they are to use it responsibly as adults. In this short course from our Ella’s Adventures series, your students will learn what credit is, why people use credit, and how interest can affect the final cost of a good or service when bought on credit.

Using some form of credit is a necessity for most adults. Unfortunately, some misuse credit, and the consequences can be devastating. The earlier young people learn about credit, the more likely they are to use it responsibly as adults. Read and listen to this story from our Ella’s Adventures series to learn what credit is, why people use credit, and how interest can affect the final cost of a good or service when bought on credit.

It's never too soon to begin teaching basic financial concepts, such as decision-making and saving, to young students. Ella's Adventures e-books allow your students to follow young Ella as she learns important life lessons.

The Atlanta Fed's Financial Tips series is your go-to source for knowledge and best practices for your financial life.

This activity is adapted from a lesson by Andrew T. Hill, Ph.D., Federal Reserve Bank of Philadelphia, written to accompany the book Uncle Jed’s Barbershop by Margaree King Mitchell (ISBN: 0-689-81913-7).Prior knowledge is needed before playing the game.

In the story Curious George Saves His Pennies, George wants to buy a new bright-red train, but he does not have enough money. At the suggestion of his friend, George saves his money to buy the train. In this lesson, the students draw an outline of a piggy bank, within which they write a word for or draw a picture of something they would like to buy. This becomes their savings goal. They listen to the story, and as George finds some ways to earn money, the students come up with ways they can earn money to reach their savings goals. Students are introduced to the difference between income and gift money. They participate in an activity where they determine if they are receiving income or gift money and how many weeks it will take them to reach their savings goal. Students also discuss why George did not buy the original red train he wanted.