A free financial literacy resource for your classroom.
Use FLC alongside your curriculum — in economics, personal finance, math, business, or advisory. It's free, it works on any device, and students don't need accounts.
- Lesson plans, slides, and worksheets for all 55 lessons
- Unit tests with answer keys for every course
- Six classroom games to project and play
- Live phone quizzes and live class dashboards
- Mapped to national and Texas standards
- Free to use — no student accounts or sign-ups
- Works on phones, tablets, and Chromebooks
Ways teachers can use FLC
Assign a module
Each lesson takes 10–15 minutes — good for a warm-up, homework, or a sub day.
Teach with the calculators
Project the compound growth or budget calculator and change numbers live with the class.
Check understanding
Knowledge checks use scenarios, not vocabulary, so they work well as exit tickets.
Prepare for the FLC Challenge
Courses map directly to the competition's categories.
Teaching guides by course
Each guide has a day-by-day pacing plan, and every lesson comes with a 45-minute lesson plan, slides, and a worksheet with an answer key.
- Money Fundamentals8 lesson plans · 10 class days · unit test
- Credit & Debt7 lesson plans · 9 class days · unit test
- Investing8 lesson plans · 10 class days · unit test
- Understanding Businesses11 lesson plans · 13 class days · unit test
- Entrepreneurship10 lesson plans · 12 class days · unit test
- Money After High School11 lesson plans · 13 class days · unit test
Everything in the toolkit
All free, all printable or projectable, and all built from the same lessons students use.
Discussion questions for every lesson
Two prompts per lesson to open up conversation after students finish a module. Open a course to see its set.
Money Fundamentals · 8 lessons
Lesson 1: What Money Actually Is
- If everyone suddenly stopped trusting the dollar, what would happen to its value? Why?
- Pick something you bought recently. Was it worth the hours of work it cost?
Lesson 2: Checking Accounts
- Why might a bank offer a free checking account? How does the bank still make money?
- What alerts or habits would help someone avoid overdrafts?
Lesson 3: Savings Accounts
- Why do you think some banks pay much higher savings rates than others?
- What's one savings goal you could automate this year?
Lesson 4: Budgeting
- Why do so many people stop budgeting after a month or two? How could you make it easier to stick with?
- How might the 50/30/20 split look different for a high school student living at home versus a recent graduate paying rent?
Lesson 5: Needs vs. Wants
- Is a smartphone a need or a want for a high school student today? Where's the line?
- What marketing tactics have you noticed that try to make wants feel like needs?
Lesson 6: Emergency Savings
- Why might an emergency fund matter even more for someone with an unpredictable income, like tips or gig work?
- What's a realistic starter emergency fund for someone your age? Why?
Lesson 7: Compound Interest
- Alex put in $6,000 and Jamie put in $24,000. Does it feel fair that Alex ends up with more? What does that tell you about time?
- How could compound interest explain why some people get stuck in credit card debt?
Lesson 8: Inflation
- Ask a parent or grandparent what something cost when they were your age. How much has it changed?
- Who is hurt most by high inflation? Who might not be hurt as much?
Credit & Debt · 7 lessons
Lesson 1: What Credit Is
- Why would a landlord care how someone has handled credit cards?
- Is it fair that people with no credit history can pay more for some things? What could change that?
Lesson 2: Credit Scores
- Should landlords and insurers be allowed to use credit information? What are the arguments on each side?
- Why might someone with a high income still have a low credit score?
Lesson 3: How Credit Cards Work
- Card companies make money from interest and fees. How can a card be free for someone who pays in full?
- What rules would you set for yourself with a first credit card?
Lesson 4: APR and Interest
- Why do you think minimum payments are set so low?
- If a friend had a $2,000 card balance, what plan would you suggest?
Lesson 5: Types of Loans
- Why might someone choose a longer loan even though it costs more?
- Would you co-sign for a close friend? What would you want to know first?
Lesson 6: Debt Traps
- Why do you think payday lenders are often located in lower-income neighborhoods?
- Should buy-now-pay-later plans be regulated like credit cards? Why or why not?
Lesson 7: Borrowing Responsibly
- Is student loan debt "good debt"? When might it not be?
- Why do you think the snowball method works for so many people, even though it costs more?
Investing · 8 lessons
Lesson 1: What Investing Is
- Why do you think many people never start investing?
- What's one goal in your life that's short-term, and one that's long-term?
Lesson 2: Stocks
- Why might someone want to own a small part of a company they use every day?
- Should stock prices be driven by investor mood? What problems does that create?
Lesson 3: Bonds
- Why would anyone buy a bond instead of a stock?
- How is buying a bond similar to a bank lending you money?
Lesson 4: Funds, ETFs, and Index Funds
- Why do you think so many people pay for active management even though most funds trail their index?
- Where else in life do small, repeated fees add up?
Lesson 5: Diversification
- Why might someone still choose to invest heavily in one company?
- Where else do people use diversification in everyday life?
Lesson 6: Risk and Time Horizon
- How would you feel if an investment dropped 30%? What would you do?
- Why is it hard to stay calm when you see your investments losing money?
Lesson 7: Compound Growth in Investing
- What's one thing you could cut back on to invest $25 a month?
- Why do you think people put off investing until later in life?
Lesson 8: Portfolio Basics
- Why do you think investing scams target young people on social media?
- What's the difference between a risky investment and a scam?
Understanding Businesses · 11 lessons
Lesson 1: How Businesses Make Money
- Pick a business near you. What are its biggest fixed and variable costs?
- Why might a company choose to grow revenue quickly even while losing money?
Lesson 2: Profit and Margins
- Would you rather run a high-margin business with few customers or a low-margin business with many? Why?
- What could a grocery store do to protect its thin margins?
Lesson 3: Reading an Income Statement
- Pick a public company you know. What would you want to learn from its income statement?
- Why might a company's profit grow faster than its revenue?
Lesson 4: Assets, Liabilities, and Equity
- What are your own assets and liabilities? What's your net worth?
- Why might a company choose to borrow money instead of using owners' money?
Lesson 5: Reading a Balance Sheet
- Why might a company with lots of profit still have a weak balance sheet?
- What would worry you more: low cash or high debt? Why?
Lesson 6: Cash Flow
- Have you ever had to pay for something before you got paid back? How did you handle it?
- What could a small business do to avoid running out of cash while growing?
Lesson 7: Business Models
- Pick an app you use for free. How does it make money?
- Would you start a subscription business or a marketplace? Why?
Lesson 8: Competitive Advantages
- What's the strongest moat of a company you use every day?
- Can you think of a company whose moat disappeared? What happened?
Lesson 9: What Is a Company Worth?
- Would you rather buy a company with a P/E of 10 or 50? What would you want to know first?
- Why might two smart investors disagree about what a company is worth?
Lesson 10: Business Risk
- Which risk would worry you most if you owned a small business? Why?
- How could a company reduce dependence on one big customer?
Lesson 11: Putting It Together
- Pick a real company you know. Answer the six questions as best you can.
- What's the hardest of the six questions to answer from the outside? Why?
Entrepreneurship · 10 lessons
Lesson 1: Finding Problems Worth Solving
- What's a problem you or your friends deal with every week?
- Why do you think so many people start with an idea instead of a problem?
Lesson 2: Customers and Market Research
- Why do people give overly positive answers when asked about someone's idea?
- Who would you interview first for a business idea of your own?
Lesson 3: Creating a Product
- What's the smallest possible version of a business idea you have?
- Why do founders often wait too long to show their product to customers?
Lesson 4: Pricing
- Think of something you paid more for than it cost to make. Why was it worth it to you?
- Why is it hard to raise prices after launching?
Lesson 5: Revenue Models and Costs
- Would you rather have high fixed costs and low variable costs, or the reverse? Why?
- What business could you turn into a subscription?
Lesson 6: Marketing and Branding
- What's a brand you trust? What did it do to earn that?
- Where does your age group actually pay attention? How is that changing?
Lesson 7: Sales
- Think of a time someone sold you something well. What did they do?
- What's the difference between persuading and pressuring?
Lesson 8: Basic Accounting for Founders
- What would you use to track a small business's money: an app, a spreadsheet, or paper? Why?
- Why do so many small businesses get surprised by taxes?
Lesson 9: Business Plans
- Which section of the one-page plan would be hardest for you to fill in? Why?
- Why might a long, detailed plan be less useful than a short one early on?
Lesson 10: Pitching Your Idea
- Practice pitching a business idea in 60 seconds. What was hardest to cut?
- Why do you think judges care so much about proof, even for small businesses?
Money After High School · 11 lessons
Lesson 1: Understanding Your Paycheck
- What would you do if your paycheck showed fewer hours than you worked?
- Why do you think taxes are taken out of each paycheck instead of paid once a year?
Lesson 2: Taxes 101
- Why do you think the tax brackets myth is so common?
- Should everyone be taught to file their own taxes in high school?
Lesson 3: Banking on Your Own
- What matters most to you in a bank: branches, rates, or the app?
- Why do you think check-cashing stores still exist?
Lesson 4: Building Credit from Scratch
- What's one small, regular bill you could use to build credit safely?
- Why might someone avoid credit entirely? What are the downsides?
Lesson 5: Renting Your First Place
- What would you want in a roommate agreement before signing a lease together?
- Is the 30% rule realistic where you live? What would you do if it isn't?
Lesson 6: Buying and Financing a Car
- Do you need a car where you live? What are the alternatives and their costs?
- Why do dealers focus on monthly payments?
Lesson 7: Insurance Basics
- Would you choose a low premium or a low deductible? Why?
- Why do you think young, healthy people sometimes skip insurance? What's the risk?
Lesson 8: College Costs and Scholarships
- What should matter more when choosing a college: net price or reputation? Why?
- Why do you think many families never use net price calculators?
Lesson 9: Student Loans
- How would you decide how much is too much to borrow for college?
- Should colleges be required to show expected graduate salaries next to their prices?
Lesson 10: Saving and Investing on Your Own
- Which step in the order would be hardest for you? Why?
- Why do you think lifestyle creep is so common?
Lesson 11: Retirement Basics
- Why is it so hard to think about retirement when you're young?
- Would you choose a Roth or traditional account for your first job? Why?
Bring FLC to your classroom
Tell us a little about your class. We'll share resources as they're released and let you know about the FLC Challenge.
We only ask for what we need to follow up with you. We never ask for student information.