Money Smart for Adults
The newly updated Money Smart for Adults instructor-led curriculum provides participants with practical knowledge, skills-building opportunities, and resources they can use to manage their finances with confidence. Instructors can use it to deliver unbiased, relevant, and accurate financial education whether they are new to training or experienced trainers.
The curriculum consists of 14 modules that cover basic financial topics. Each module guides you on what to say and do. The materials are available for immediate download below, and on DVD at Money Smart – Teach – For Adults (catalog.fdic.gov).
The prior (2010) version of the Money Smart for Adults instructor-led curriculum can be ordered at the bottom of the page.
The 14 Money Smart for Adults Training Modules
The 2018 Money Smart for Adults curriculum is currently available in English. Check back for other languages, Braille, and a self-paced version.
Estimated time: 2 hours
Focus: Internal values and goals, external influences, and their relationships to financial decisions.
Estimated time: 3 hours 25 minutes
Focus: Financial products, services, and providers.
Estimated time: 1 hour 45 minutes
Focus: How to track income and expenses.
Estimated time: 1 hour 25 minutes
Focus: How to develop a spending and saving plan, and how to prioritize spending when money is short.
Estimated time: 2 hours 45 minutes
Focus: Saving money for expenses, goals, and emergencies.
Estimated time: 3 hours 40 minutes
Focus: Credit reports and scores, building productive credit histories, and repairing and improving credit.
Estimated time: 3 hours 50 minutes
Focus: Different kinds of debt and ways to manage it.
Estimated time: 1 hour 50 minutes
Focus: How credit cards work and how to manage them.
Estimated time: 2 hours 35 minutes
Focus: Ways to build assets, including buying a car and getting training and education.
Estimated time: 2 hours 10 minutes
Focus: Ways to recognize, respond to, and reduce the risks of identity theft, along with strategies for protecting other assets.
Estimated time: 2 hours 5 minutes
Focus: Different types of safe and affordable housing, including specific information on renting.
Estimated time: 2 hours 45 minutes
Focus: The home buying process, including mortgages.
What’s inside Money Smart for Adults?
You will find that Money Smart for Adults has:
- Information that’s updated, relevant, and informed by research. For example, the curriculum features information and scenarios relevant to people with disabilities.
- Segments that offer you options to make training relevant. The curriculum is divided into 14 modules, each on an important financial topic, that are subdivided into sections. Instructors can present the modules in any order or combination depending upon an audience’s interests and knowledge.
- An emphasis on real-life skills and choices. Money Smart for Adults provides participants with practical knowledge and resources they can use to manage their finances.
- Realistic scenarios. Short scenarios featuring consumers in a variety of financial situations provide opportunities to practice using financial knowledge and skills with confidence.
- An expanded array of practical tools and resources. “Try It” activities give participants opportunities to practice what they learned in a variety of contexts. “Apply It” activities help participants apply what they have learned to their own lives, either during or after the training.
- Key takeaways. A key takeaway sums up the most important message from each section.
- A structure that makes it easy to select relevant materials. The curriculum has 14 modules, each on an important financial topic. The modules are subdivided into sections. Instructors can present the modules, and sections within modules, in any order or combination depending upon an audience’s interests and knowledge. The Guide to Presenting Money Smart for Adults includes roadmaps to help select relevant topics.
Tools to help you plan your training. Start by reviewing the Guide to Presenting Money Smart for Adults. It includes practical tips for planning, marketing, and delivering training. It also includes information to make training accessible and welcoming for everyone, including people with disabilities.
Each of the 14 Money Smart for Adults modules includes:
- Instructor Guides that include what you need to prepare and deliver Money Smart training, including easy to follow cues, script, and interactive exercises.
- PowerPoint Slides that can help you present training content in an engaging manner.
- Participant Guides with tools and information that participants can use during your training and afterwards.
The curriculum also includes an Instructor Supplement: Scenarios for Financial Inclusion Supplement for Instructors/ Trainers, which provides four scenarios featuring individuals with disabilities thinking about financial decisions.
The prior (2010) version of the Money Smart for Adults instructor-led curriculum consists of 11 training modules that cover basic financial topics. This version is no longer being updated. CDs are available free of charge at Money Smart – Teach – 2010 Version (catalog.fdic.gov).
A longitudinal evaluation showed that people who took a Money Smart course on the topics of checking, savings, budgeting and credit demonstrated statistically significant improvements in their behavior and confidence immediately after the course, and that these changes persisted when measured again approximately 6 to 12 months later. Read the full report or an article summarizing the evaluation.
The Federal Deposit Insurance Corporation is prohibited from endorsing any specific organizations. Money Smart users must ensure that their publicity, advertisements, and public statements do not use the FDIC name or logo to imply that FDIC endorses their organization or its products or services.
Money Smart Train-the-Trainer session
May 16, 2019