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JA Personal Finance® 2.0

JA Personal Finance curriculum cover

High School
Classroom Based
After School

Pillars of Student Success
Financial Literacy High Financial Literacy
Work Readiness Moderate Work Readiness
Entrepreneurship Minimal Entrepreneurship
Through JA Personal Finance, students experience the interrelationship between today's financial decisions and future financial freedom. To achieve financial health and wellness, they learn about money-management strategies, including earning, employment and income, budgeting, savings, credit and debt, consumer protection, smart shopping, risk management, investing, credit card usage, debt management, and net worth.

Following participation in the program, students will be able to:

-- Identify how their personal finances affect their quality of life
-- Understand how their financial choices will be the basis for meeting their needs and wants.

JA Personal Finance is part of the JA Financial Literacy Pathway and is recommended for high school students (Grades 9-12).
This volunteer-led program can be implemented as a classroom based, remote live, or after school program. It consists of eight 45-minute sessions with 3 additional modular sessions. Program implementation depends on educator requirements and correlations to local standards.

Basic implementation includes Sessions One–Five delivered by the volunteer.
Sessions Six through Eight are optional and designed to be student self-guided activities with teacher or volunteer support.
Sessions Nine, Ten, and Eleven are both optional and modular. Each session includes self-guided learning experiences and an introduction and wrap-up by a teacher or volunteer.

Spanish translation is available for JA Personal Finance.

JA teachers and volunteers are encouraged, as part of this program, to utilize the resources available in JA Connect® Learning Pathways, located at This self-guided experience includes interactives, JA Here to Career™, and games and apps for student use.

JA programs support national and state standards in reading, mathematics, social studies, and work and career readiness. See below for more information on alignment with national and state standards.

Virtual Implementation

Remote live implementation is available for JA Personal Finance.

Related Program Supplements


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Junior Achievement USA gratefully acknowledges The Allstate Foundation for its dedication to development and implementation of the JA Personal Finance Program.

Select a button below to see how you or your organization can get involved with Junior Achievement of the Michigan Edge, Inc..

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