Unit 4.5 · Protecting What You Build · 30–40 minutes
Spot It, Stop It
Five common frauds broken into approach, urgency, payment and tell — then name the one structure they all share, in a sentence that works on a scam nobody has invented yet.
High School, 9th to 12th Grade · Free · With answers
8 free financial literacy worksheets for high school, 9th to 12th grade.
The documents of adult life, read before anyone has to sign one: a budget, a loan, an aid letter, a health plan. Every sheet below is a real activity, unchanged, from our K–12 curriculum — one page, with an answer page behind it.
No account. No email. Nothing collected about your child.
Unit 4.5 · Protecting What You Build · 35–45 minutes
Health Insurance, Decoded
Define the six words on every health plan, then work out what a real year actually costs — including the year nothing happens.
Unit 4.6 · The Blueprint · 30–40 minutes
The Personal Budget
Build a real budget on your own take-home pay against the 50/30/20 targets, get the unassigned line to zero, then say where the rule does not fit your life.
Unit 4.3 · Building and Protecting Your Credit · 25–30 minutes
The 30% Rule
Three cards, the same spending, three different outcomes — including someone who pays in full every month and still reports 70% utilization.
Unit 4.8 · Student Loans and Smart Borrowing · 25–35 minutes
Principal, Interest, Rate
Define the six words on every loan document — principal, interest, interest rate, APR, origination fee, term — and say which of them increase what you repay.
Unit 4.7 · Paying for College or Trade School · 30–40 minutes
Sticker, Gift, Net
Two schools, $62,000 and $28,000 a year. Vote on which is cheaper, then subtract gift aid and find out that the expensive one costs the family $8,500 a year less.
Unit 4.1 · Your Income Life · 30–35 minutes
Four Ways to Get Paid
Employee, entrepreneur, investor, hybrid. Where the money comes from in each, what you trade for it, and what the ceiling and the floor really are.
Unit 4.2 · The Real Cost of Borrowing · 30–40 minutes
The Credit Card Trap
A $4,100 balance at 24.9% APR. Compare paying the minimum, $150 a month, $300 a month and a 0% transfer, and see why the minimum never gets there.
Where these come from
A 266-lesson K–12 curriculum.
Each sheet is one activity from a Financial Foundations™ unit of 10 to 12 lessons, with teacher scripts, family letters and a checkpoint.