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4-H Financial Literacy Project

Program Contact: Jenny W. Loyd, 4-H Program Coordinator
(509) 574-1600 •

Financial Literacy


  • Distinguish between needs and wants
  • Consider money personalities and values
  • Learn ways to use and save money
  • Recognize the benefits and drawbacks of credit
  • Practice wise consumer decision-making
  • Learn how to select financial services

4-H Financial Literacy Curriculum

Available from the Extension office or online.

Financial Champions Series

Financial Champions Book 1 – Money Fundamentals
Financial Champions Book 2 – Money Moves
Financial Champion’s Helper’s Guide

My Financial Future Series

My Financial Future, Youth Notebook – Beginner Youth Notebook
My Financial Future, Youth Notebook – Advanced Youth Notebook
My Financial Future, Facilitator Guide
My Financial Future, Risk Management Guide Digital Download

Mi Futuro Económico – Nivel Principiante
Mi Futuro Económico – Nivel Avanzado
Mi Futuro Económico – Guía de Gestión de Riesgos Descarga Digital
Mi Futurio Económico – Guía para el Facilitador

Smart Cents

Smart Cents Activity Guide Student Workbook
Purchase includes a download of “Smart Cents:  A Guide to Teaching Mindful Money Habits Guide”


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Family Reading and Financial Literacy

These activities can be used in an afterschool, camp setting, or any out-of-school time setting and are aimed at youth in grades 3-5. Best if used as a complete curriculum, but activities can be used as a stand-alone and can be completed in one afterschool session. The seven money themes in this book are: History of Money, Managing Money, Earning Money, Spending Money, Saving Money, Sharing Money, and Borrowing and Lending Money.


  • Introduce youth to basic money management concepts such as saving, sharing, spending, managing, earning, borrowing, and lending
  • Use children’s literate as a tool to attract youth to the topic of financial management
  • Improve children’s attitudes towards reading
  • Support literacy and literacy-related activities in the home
  • Provide opportunities for youth to practice important life and money skills
Reading Makes Cents

Learning About Money Concepts Through Children’s Literature

Learning About Money Concepts Through Children’s Literature Digital Download

Helpful Resources


JumpStart’s Reality Check

What type of lifestyle do you want to live in your future? What type of career will you need to live that life? “Reality Check” is a way to see into your future. Fill out the following survey to estimate what type of future income you will need to enjoy the lifestyle you would like to have.

The Money Circle – Federal Reserve Bank of Kansas City

Advance your high school students’ knowledge of money through this comprehensive eight-lesson curriculum series that will engage and challenge them to apply both personal finance and economic perspectives when it comes to money. Help develop students’ awareness as consumers, while improving their decision-making and financial planning skills.

National Standards for Personal Financial Education – JumpStart and the Council for Economic Education

The National Standards for Personal Financial Education represent the Jump$tart Coalition and Council for Economic Education (CEE)’s shared vision of a single, unified set of standards that will guide educators, curriculum writers, policymakers, and other financial education stakeholders across the country to promote effective, comprehensive financial education for K-12 students.