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No-Cost Digital Lessons

FutureSmart: Middle School Financial Literacy

90% of Students Experienced Knowledge Gain After Completing the FutureSmart Course

Financial Literacy For Middle School Students

The majority of today’s middle students don’t have the money management skills they need to navigate the modern financial world. The MassMutual Foundation has partnered with EVERFI to develop the FutureSmart Digital course to offers critical financial literacy for middle school students across the United States, absolutely free of charge.

[Currently available only to U.S. and Puerto Rico Schools]

In Partnership With:

MassMutual Foundation Logo

Always Free.

MassMutual Foundation's FutureSmartSM program empowers students to effectively manage their finances, make sound decisions, and become stewards of their financial future through interactive exercises and real-life scenarios.

Course Snapshot

  • Target Students

    Grades 6-8

  • Curriculum

    Economics, Business or Social Studies, Career Readiness

  • Time

    25 Minutes/Activity, 3.5 HoursTotal

Lesson Plan

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

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.

Personal Finance Education for Middle School Students


Join the 60,000+ teachers who used EVERFI's award-winning lessons this past school year!

At the end of the year, I had a lot of students tell me this was the most impactful lesson that we had. It was the one they enjoyed the most, it was the one they felt they learned the most in, and they felt was going to help them the most in their future.


Jacob Short
Middle School Math Teacher, Dallas, TX

Many students were like 'oh my gosh, i get this' and they were excited to use some of the information they learned. Some of them started bank accounts and they were planning for their future - it was really exciting!

Holly Vordenberg
Family & Consumer Science Teacher, Amherst, NH

As a seventh and eighth-grade AVID* teacher, one of my responsibilities is to teach my students real-world skills to be successful. For me, that means teaching them how to manage their finances, make sound decisions, and become financially responsible. I’ve been using FutureSmart from EVERFI for years—it’s become the go-to resource I lean on.

Nicole Albion
AVID Site Coordinator and Teacher, Worcester, MA

Frequently Asked Questions

The MassMutual Foundation has partnered with EVERFI to fund FutureSmart for your school or district. Through this multi-year commitment, the MassMutual Foundation provides all middle school teachers and administrators the assurance that FutureSmart can be launched at scale and even written into the curriculum.

FutureSmart's lessons are aligned to Jump$tart Coalition’s National Standards for K-12 Personal Finance Education, National Curriculum Standards for Social Studies, and State Academic Standards. EVERFI provides comprehensive curriculum guides and standards alignment guides to help you plan for implementation.

EVERFI helps teachers, schools, and districts bring real-world skills to students. Thanks to partners, we provide our digital platform, training, and support at no cost.

Get Started Today

Request free access to FutureSmart digital activities and resources.

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