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The 21st Century Student's Guide to Financial Literacy - Getting Personal

Instructor's E-Guide

What your students don’t know about money will hurt them! Financial literacy is a skill essential to living and thriving in the modern world. Financial illiteracy can limit social and economic opportunities, lead to high debt levels and unstable financial futures.

This course is based on The 21st Century Student’s Guide to Financial Literacy – Getting Personal. Your students will learn the basic personal finance and money management skills and strategies everyone needs for making informed financial decisions and building a life of financial stability.

In 18 chapters, students learn about a variety of topics, including understanding the differences between wealth and income, employment, employee benefits, taxes and withholding, education’s link to financial security, banking, saving, household budgeting, consumer credit and credit cards, 401K retirement plans, IRAs, homeownership, renting, investing, the risks of co-borrowing and co-ownership, health insurance, auto insurance, the true costs of addiction and crime, and much more.

Students master over 350 key personal finance terms and concepts!

Practice activities and assessments included.

Included in each chapter is an activity introducing students to a political or economic issue highly relevant to their financial future such as identity theft, artificial intelligence, crypto-currency, the Social Security controversy, gender pay gap, Wall Street reform, free college controversy, and more.

This is the best in personal finance curriculum and just possibly the most valuable life skills course your students will ever take. This course can be used as a resource for a stand alone personal finance class, or taken independently.

Includes the student e-book (385 read-only pages), with Instructor review and commentary podcasts, downloadable chapter activities binders, chapter assessments, e-vocabulary flashcards, and multiple Debate/Persuade GenZ topics. Also available in print. Instructor's E-Guide available.


The 21st Century Student’s Guide to Financial Literacy – Getting Personal provides a structured, comprehensive, and easy to teach personal finance and money management program for your students. 18 fun and highly relevant lessons are centered around three thematic units:

  • Earning an Income
  • Building Wealth
  • Protecting and Preserving Wealth

Each unit contains six full lesson plans dedicated to the unit theme.Lesson topics include wealth vs. income, employment, employee benefits, taxes, withholding, education’s link to income and wealth, banking, saving, budgeting, consumer credit, credit cards, 401K retirement plans, IRAs, homeownership, renting, investing, understanding the risks of co-borrowing and co-ownership, health insurance, auto insurance, the financial impact of addiction, gambling, and crime, and much more. Students master over 300 key personal finance terms and concepts.

This Instructor's E-Guide includes 19 Teach-the-Teacher podcasts to help instructors quickly and confidently master course content to get into the classroom to teach this important subject!

389 pages; b&w interior; E-Guide is read only; not downloadable to a printer.


Your Instructor


The Financial Literacy Team
The Financial Literacy Team

Susan Mulcaire is a finance attorney-turned-teacher who leads the Financial Literacy Academy team. She holds a B.A. from U.C Berkeley, a J.D. from Santa Clara University School of Law, and a teaching credential from Concordia University. She practiced banking and finance law for over 20 years and is the author of several college readiness programs for middle school and high school.


Class Curriculum


  The 21st Century Student's Guide to Financial Literacy - Getting Personal
Available in days
days after you enroll

Frequently Asked Questions


When does the course start and finish?
The course starts now and never ends! It is a completely self-paced online course - you decide when you start and when you finish.
How long do I have access to the course?
How does lifetime access sound? After enrolling, you have unlimited access to this course for as long as you like - across any and all devices you own.
What if I am unhappy with the course?
We would never want you to be unhappy! If you are unsatisfied with your purchase, contact us in the first 30 days and we will give you a full refund.

Thank you for teaching this important subject. Please feel free to email or call us with comments about your experience teaching this course. We appreciate any suggestions or ideas on how we can improve our product, or how we can be of assistance to you.

Thank you,

The Team at

The Financial Literacy Academy Online

[email protected]

949-723-5131

Get started now!