Beyond Personal Finance for Teens: Real-Life Lessons Made Easy

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It is never too early to learn smart money habits! When teens have access to hands on & interactive lessons to help them learn personal finance, they’ll be gaining real-life skills that will prove beneficial for a lifetime!

I don’t know about your family, but one of the reasons my husband and I decided to start homeschooling our kids was because, as a graduate of the public school system, I entered the “real world” without even the slightest clue how to manage my own finances.

Did I know how to budget for groceries? How credit cards and loans really work? How to plan for buying a home or paying rent?

Nope, nope, and nope.

My kids, though? You can bet I’ll do everything in my power to make sure they’re well versed in all the life skills required to lead successful, independent lives including knowing (and understanding!) how to handle personal finance.

Teaching Teens About Personal Finance

Take a look through my curriculum reviews and you might notice one thing they all have in common: my recommendation to outsource whatever you don’t feel comfortable or qualified to teach.

It’s not about admitting defeat, but more about making the best decisions possible when it comes to homeschooling our kids, you know?

I already mentioned that finance is not my forte. I’ll use coupons for groceries, am well-versed in finding awesome deals online, and can sniff out brick & mortar store clearance sections like a Labrador Retriever on a hunting trip, but that’s about the limit of my personal finance knowledge.

Dukart Family dog lounging on a sofa while looking out the window
Let it be known, the Labrador Retriever reference I just made excludes our personal family dog because he would MUCH rather be lounging on a sofa than on a hunting trip. He’s such a nut!

My husband, thank goodness, is a legitimate finance professional. Because of him, my boys are already learning about investing, know about liabilities & assets, (“Mommy…you’re a liability because you like to shopping!” oh dear, too funny!) and more, but, because of his schedule, he can only teach them so much.

Let’s chat about the lessons, how they work, and what my kids have learned so far.

That’s totally fine, though! To help set my kids up for success, we’ve been including some hands-on personal finance for teens lessons into their days.

This is a sponsored post. I have received complimentary access to this product and have been compensated for my time reviewing the product and producing this review. I have not been influenced in any way and my opinions on this product are my own.

Dukart child taking the Beyond Personal Finance Class on a laptop while holding the student workbook

Beyond Personal Finance

So, Beyond Personal Finance is a finance curriculum, created with teens in mind, that incorporates hands-on activities and instructional videos while allowing (and encouraging!) kids the opportunity to design their own future.

Using a 300+ page spiral-bound student workbook, teens are able to “test” out their potential lives post high school. After deciding whether or not to attend college, teens put their potential salaries (& debt!) to the test through a number of scenarios while learning about:

  • budgeting
  • purchasing a vehicle
  • renting an apartment
  • credit cards
  • marriage & interest
  • babies & payroll
  • purchasing a home
  • insurance
  • charitable giving
  • investments
  • business basics
  • being laid off & financial tracking
  • income tax
  • going through a divorce
  • retirement

Maybe you’ve played the Game of Life board game? Think of Beyond Personal Finance as the Game of Life, but with a thousand times more impactful learning opportunities.

papers printed with information for choosing a career
I love that this curriculum got my kids thinking about a variety of potential career options!

My Thought on Using this Curriculum for Teaching Teens about Finance

To be honest, I typically find anything related to finance to be extremely boring. Like, “I will zone out and start thinking about items to add to my grocery shopping list if you start talking about finance to me” kind of boring.

My poor husband. He works in finance all day long and then has to deal with my far-off stares when he tries to tell me about his day.

I digress. I did not have high expectations for this curriculum. I expected it to be dry (because…finance). I expected it to get the point across to my kids and to achieve the goal of educating them about finance-related topics.

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It did teach my kids, but…you guys…it was not dry and boring AT ALL. If you had told me, prior to starting the curriculum, that my kids would actually look forward to the activities in their workbook, I wouldn’t have believed you. If you had told me that I would have fun with my kids while competing the activities in their workbook, I would’ve thought you were pulling a fast one on me.

*GASP*

Yep. It’s that good. In a nutshell, here are some of my top 5 favorite things about the Beyond Personal Finance Teen (13+) Self-Paced, Online Curriculum:

  • The Spiral Binding: Yes, I love me a good spiral bind. Spiral bound curriculums just allow for more cozy learning on the couch, you know? I love that the pages can be turned back and that the workbook doesn’t take up a lot of real estate on a desktop. One day I’ll get myself a spiral binding machine so I can bind things myself. Those are pretty pricey, though, so I welcome any opportunity to use a curriculum that comes standard spiral bound!
  • The “after high school” option: I am definitely one for encouraging kids to learn trades and become entrepreneurs they’re called to do so. Obtaining a college degree isn’t the only path to success and I certainly appreciate this curriculum giving teens the option of getting a college degree or pursuing an alternative route. “Yay!” for options!
  • The Instructional Videos: Charla McKinley, the creator of the Beyond Personal Finance curriculum series, presents the information and challenges in such a friendly & warm manner, it feels like she’s been a family friend for years. She’s evidently very passionate about her product, the subject matter, and student success! Dear Charla, please expect an invitation to our next family gathering (I’m kidding, I’m kidding! Or am I?).
  • It’s Approachable: The information presented within the Beyond Personal Finance student workbook is shared in such a way that makes it super approachable and not scary or overwhelming. Fun graphics are used, it’s colorful without being overwhelming, and the directions are concise. Learning about finance and thinking about how related decisions can impact a future can be super anxiety-inducing, but this curriculum makes it seem more like an adventure full of opportunities.
  • It’s Realistic: This curriculum puts “keeping up with the Joneses” into perspective by sharing the possible outcomes of making purchases that sometimes just aren’t realistic and that is a breath of fresh air. For example, in the section about purchasing a car, there’s a breakdown of the financial difference between making a purchase and signing up for a lease. These are the kinds of things our kids need to see!

I’m sure you’ve figured out by now that I’m a fan of this curriculum but what about my kids? Let’s see what they think!

Dukart child reading Beyond Personal Finance while on a plane
Yep, we even brought the student workbook along on our recent travels!

My Kids on this Finance for Teens Curriculum

Before we started the Beyond Personal Finance Teen (13+) Self-Paced, Online Curriculum, my kids both seemed to have an idea of their future career goals. My oldest has always talked about opening his own sandwich shop (he loves being in the kitchen!) and my youngest had seemingly decided on joining the military and becoming a welder “for the pensions and union benefits.”

During the very first lesson, teens are instructed to complete a career assessment to determine the direction of their career for the duration of the curriculum (disclaimer: in case it’s not obvious, the teens aren’t actually selecting their real-life career, it’s all for the purpose of completing the curriculum).

After the career assessment, both of my kids were positively reeling with excitement about their potential future careers. Instead of feeling set in their previous career goals, their world was now brimming with possibilities! The career assessment suggested many careers they hadn’t even known to exist prior!

@thathomeschoolfamily We're super excited to continue working through this finance curriculum! My kids have really enjoyed it and have been learning a ton about the possibilities of their futures! Special appearance by Harry 😂 Did you see him behind me? He's my office mate 😆 #ad #beyondpersonalfinance #financecurriculum #homeschoolreview #homeschoolresources #homeschoolingteens #homeschoolingtweens #lifeskills #thathomeschoolfamily #homeschoolblogger ♬ original sound – Liz | That Homeschool Family

For the record, my oldest is now interested in floral design & being a chef while my youngest is interested in learning more about biofuels and degrees in biology. Whoa!

The first lesson set them up for success and made them look forward to the coming lessons that would deal with the ins and outs of making financial decisions based on their career, salaries, lifestyle, etc. As a parent, it really was very neat to watch them learn about the impacts of their decisions.

They both consistently looked forward to future lessons and seemed to enjoy soaking up all the information. My youngest has been ready to “grow up” for as long as I can remember, so it’s really no surprise to me that he kept asking me to start the next lesson and would ask to read ahead during “down time.”

Give it a Try!

If you’ve been meaning to get your kids started on learning about personal finance (and beyond), definitely check out the Beyond Personal Finance curriculum. Since my kids are pretty well versed in the basics of personal finance, we are looking forward to continuing with Beyond Personal Finance Teen (13+) Self-Paced, Online Curriculum! If you have younger kids or your kids are newbies when it comes to learning about finance, their Beyond Personal Finance Tween (8-12) Curriculum might be a good option for them!

As always, if you have any questions about this curriculum (or any others!), go ahead and leave a comment or email me. I’m happy to help!

Until next time, stay safe and enjoy quality time with your family,

- Elizabeth (and the kids. and the husband. even the dog.)

Elizabeth Dukart is a proud Georgia-based born and raised Jersey Girl, wife, and mom of 2 human boys & 1 canine boy.

Created in 2021, Elizabeth owns and publishes That Homeschool Family: a free resource for homeschooling parents and beyond! A seasoned blogger, Elizabeth previously published a popular location-specific family resource blog, but decided to “Pivot!” her blogging focus after she started homeschooling her two boys in 2020. In addition to this blog, you can follow Elizabeth’s homeschooling and family adventures on Facebook, TikTok, Instagram, YouTube, and Pinterest. She can also be found in her Facebook Group: That Homeschool Family Hangout.

When she’s not busy taking over the world or homeschooling, Elizabeth can be found listening to music (especially The Beatles & Harry Styles!), being silly with her boys, watching movies with family, shopping, or traveling!

Have a question or want to work with Elizabeth? Send her an email!

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