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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Money Smart for Adults

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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. We are addressing a temporary technical issue-if any of the links below do not work, please go here to download the files.




stree sign

Estimated time: 2 hours

Focus: Internal values and goals, external influences, and their relationships to financial decisions.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint

Woman at bank

Estimated time: 3 hours 25 minutes

Focus: Financial products, services, and providers.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint

Man looking at laptop

Estimated time: 1 hour 45 minutes

Focus: How to track income and expenses.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint

Filling out paperwork

Estimated time: 1 hour 25 minutes

Focus: How to develop a spending and saving plan, and how to prioritize spending when money is short.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint

Piggy bank with coin on top

Estimated time: 2 hours 45 minutes

Focus: Saving money for expenses, goals, and emergencies.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint

Example of a report

Estimated time: 3 hours 40 minutes

Focus: Credit reports and scores, building productive credit histories, and repairing and improving credit.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint
Video for Instructors - Find out what's included in Module 6

Close up of money and credit cards

Estimated time: 2 hours

Focus: Options for borrowing money and the costs.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint

Couple going over a document

Estimated time: 3 hours 50 minutes

Focus: Different kinds of debt and ways to manage it.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint

Handing over credit card for payment

Estimated time: 1 hour 50 minutes

Focus: How credit cards work and how to manage them.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint

Road turns into dollar sign

Estimated time: 2 hours 35 minutes

Focus: Ways to build assets, including buying a car and getting training and education.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint

Lock

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.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint

House with magnify glass over it

Estimated time: 2 hours 5 minutes

Focus: Different types of safe and affordable housing, including specific information on renting.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint

Sold sign with couple in background

Estimated time: 2 hours 45 minutes

Focus: The home buying process, including mortgages.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint

Tree shaped like a dollar sign

Estimated time: 1 hour 40 minutes

Focus: How to financially prepare for, and recover from, disasters.

Documents:
Instructor Guide - PDF
Participant Guide - PDF
PowerPoint Slides - PowerPoint


PDF Help

What’s inside Money Smart for Adults?

You will find that Money Smart for Adults has:



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. Watch our video, Scenarios for Financial Inclusion Video, about the Supplement to learn more!

Money Smart for Adults (prior version)

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.


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Money Smart Train-the-Trainer session
September 18, 2019


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FDIC staff is available to provide technical assistance and to help facilitate partnerships among interested parties. Contact us at communityaffairs@fdic.gov.

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