A K–12 financial literacy curriculum you can pick up and teach this week: 266 scripted lessons across four grade bands, designed to show you how your students actually decide through the FLIQ Score™, an emerging measure.

Financial Foundations™ is a complete K–12 financial curriculum built the way children actually learn — through characters, stories, and real decisions. Milo Peregrine™ guides every lesson while the WealthWise Kids crew brings each concept to life. Across four curricula and 266 lessons, students move from their first coin to their first paycheck — building not just knowledge, but the habits and confidence that shape a financial life. Every lesson is standards-aligned, fully scripted for educators, and measured by the FLIQ Score™ (an emerging measure, explained below) so students’ decisions are visible to their teachers.

Financial Foundations teaches money through more than lessons. Younger students learn through stories and characters; every grade practices through interactive games and simulations; and older students apply it all in real-world capstones. Underneath, one thing never changes — students learn by making real decisions, and those decisions are read by the FLIQ Score (an emerging measure, still being validated; how it works). That blend of story, play, real-world experience, and decision-based measurement is rare in financial curricula — and it's why what students decide here is something their teacher can actually see.

Financial Foundations reaches past the lesson plan. Each grade builds toward a capstone project — from a middle-schooler’s financial blueprint to a senior’s full life plan. And the culminating step, the Real-World Capstone™, is where the simulation becomes real: through vetted, parent-consented partners, a student does it for real — launches a small business, makes a first real investment, or funds a cause — with the FLIQ Score designed to look at the step from practiced to real decisions (the Capstone is coming in 2026–27). Older students can also extend into Real-World Pathways™: hands-on experiences that connect classroom decisions to real careers and community. And between sessions, interactive games and a student practice app keep the learning alive — each one designed to feed the same FLIQ Score.

Knowing about money doesn't reliably change what people do with it — so instead of a quiz, the FLIQ Score™ looks at the decisions students make during the lessons. It is an emerging measure, still being validated. A reading at the start and at week five gives educators, boards, and funders a reportable view of the decisions students made: observed score movement, not yet proof of impact.

And it doesn’t live in a spreadsheet. Class readings are kept in the WealthWise Kids facilitator dashboard, where educators and administrators can follow them over time. Bringing everything a child does (in the classroom, the simulations, the practice app and the games) into one picture that builds year over year is planned for 2026–27; it is not something the dashboard does today. When a board asks “what will we actually see, and where does it live?” this is the answer: every class reading in one place, with no spreadsheet to chase.

The program is mapped unit by unit to the 2021 Jump$tart National Standards for Personal Financial Education: 79 of 95 addressed, self-assessed, with the rest listed on our standards page. The program is structured to the HQIM criteria (high-quality instructional materials) districts use to evaluate curriculum; it has not been formally rated by a state or an outside reviewer. It is designed to support FERPA and COPPA compliance — the FLIQ Score is generated from anonymous decision patterns, never from personal or family financial data. Read the unit-by-unit standards crosswalk →