FutureSmart℠: Join over 50,000 educators who are improving their students' financial literacy with our free program
FutureSmart helps your students
- understand their financial personalities
- discover the importance of budgeting
- learn how to save and manage day-to-day expenses
- explore different careers in finance
FutureSmart gives your students a critical head start.
You’ve seen the reports: young people don’t understand how to navigate the world of personal finance. The problem is, you don’t have the curriculum to teach them—or the time to implement it.
That’s why the MassMutual Foundation has partnered with EVERFI to develop FutureSmart℠: Financial Literacy for Middle School courses tailored to grades K-12. These engaging digital lessons are available to schools throughout the U.S. and Puerto Rico, absolutely free. FutureSmart has also been certified as meeting rigorous ESSA evidence standards.
In partnership with Mass Mutual Foundation
MassMutual Foundation’s FutureSmart interactive lessons help students learn how to:
- effectively manage their finances
- make sound money decisions
- become stewards of their financial futures
Course Snapshot
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Target Grades
Grades 6-8
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Curriculum
Economics, Business or Social Studies, Career Readiness
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Lesson Time
25 Minutes/Activity, 3.5 Hours Total
Digital Lessons
Welcome Mayor!
Students are introduced to the course storyline and participate in their mayoral inauguration! Students also take a “Financial Personality Test,” and reflect on their own personal financial priorities, habits and mindsets.
Smart Shopping
Students learn the importance of budgeting as they help a character redecorate his room on a limited budget. Students engage in comparison-shopping methods to ultimately learn how to make smart choices about when and how to spend.
Ways to Pay
Students learn both the importance of saving and how to manage day-to-day expenses. Students help a character find a job, review his paycheck and credit card statement, and decide when to utilize different payment types.
Investing in You
Help a character explore different career path options and narrow her interests by examining required skills and interests, income potential, and education and training requirements. Students also explore ways to reduce out-of-pocket cost of higher education.
Growing a Business
Students learn all about business growth as they help a business owner with various tasks, such as calculating monthly profit and loss and strategizing how to save for new capital. They also learn how to open savings and checking accounts, grow money faster with a certificate deposit, and make monthly transaction decisions.
Your Financial Future
Students explore a “life simulation” and support a character in making important insurance and investment decisions. Through helping the character analyze and select different insurance policies, students get the chance to experience just how random, unexpected occurrences can lead to financial loss.
Build Your Blueprint
The course comes full circle in this final lesson, as students utilize their newfound knowledge to set their own financial goals and plans. Students create a portfolio piece, known as their “Blueprint,” which details future career interests, plans for higher education, and next action steps.
