Money Smart is a free of charge financial education curriculum from the FDIC for individuals of all ages and areas served. It was designed to help people increase financial skills and help low- to moderate-income individuals manage their finances.


Covers basic financial topics such as:
  • Money values and influences
  • Financial products and services offered by financial institutions
  • Tracking income and expenses
  • Spending and saving plans
  • Importance of saving
  • Credit reports and scores
  • Borrowing basics
  • Managing debt
  • Using credit cards
  • Building your financial future
  • Protecting your identity and other assets
  • Buying a home
  • Housing decisions
  • How to financially prepare and recover from disasters

Older Adults

Provides new information and resources for older adults and their caregivers such as:
  • Common types of fraud and scams
  • Identity theft, including medical identity theft
  • Common types of elder financial financial exploitation
  • Ways to keep your information safe and secure with advanced planning
  • Planning for unexpected life events
  • How to be financially prepared for disasters

Young Adults

Helps teens learn basic financial lessons related to topics such as:
  • Earning money and managing a paycheck
  • Career and job opportunities entrepreneurship
  • Understanding the economy
  • Introduction to taxes
  • Spending and budgeting
  • Saving and investing
  • Financial goals
  • Borrowing and credit
  • Financial protection
  • Insurance
  • Financial risk and risk management


Introduces Elementary School Students to key personal finance concepts such as:
  • Understanding currency
  • Earning money, including exploring careers and income
  • Needs and wants
  • Saving and spending, including budgeting
  • Setting goals
  • Borrowing and lending, including payment options

Small Businesses

Introduces topics related to starting and managing a business, including ones such as:
  • Is owning a business a good fit for you?
  • Planning for a healthy business
  • Managing cash flow
  • Organization types
  • Risk management
  • Time management
  • Financial management
  • Recordkeeping
  • Insurance
  • Strong business credit
  • Tax planning and reporting
  • Selling your business and succession planning
  • Banking services available for small businesses

Click here for more information on the Money Smart Modules and to get the curriculum.