Are your high school students prepared to manage money when they leave school?
Many teenagers know how to use a debit card, order something online, or receive a paycheck—but do they understand how checking and savings accounts work, what taxes are taken from a paycheck, how credit cards can lead to debt, or how their credit score can affect their future?
These are essential financial literacy skills for teens, yet they aren’t always taught in a way that allows students to practice applying them to real-life situations.
When my children were teenagers, I made a point of teaching them as much as I could about personal finance and money management before they left high school.
One day, I was helping my daughter complete the paperwork for a new job. As we worked through her W-4, she looked at me and essentially said, Why don’t they teach us this stuff in school?
She had a point.
Students spend years learning academic subjects, but many graduate from high school without knowing how to read a pay stub, understand a W-2, file a tax return, compare bank accounts, or use a credit card responsibly.
That experience made me realize just how important financial education for teenagers really is.
Why Financial Literacy Matters for Teens
Financial literacy isn’t simply about knowing how to save money.
It’s about giving students the knowledge and confidence to make smart financial decisions as they begin adulthood.
A financially literate teenager should understand concepts such as:
Earning and managing income
Checking and savings accounts
Direct deposit
Budgeting and saving
Debit and credit cards
Credit card interest
Credit scores
Taxes and tax forms
Paychecks and pay stubs
W-4 and W-2 forms
Making responsible financial decisions
Understanding the long-term consequences of borrowing money
Teaching these concepts before students graduate allows them to practice financial decision-making before they’re making those decisions on their own.
1. Teach Teens About Savings Accounts
One of the easiest places to begin teaching financial literacy is with a savings account.
Whether students are saving money from an allowance, gifts, a part-time job, or another source of income, they should understand why saving is important and how a savings account works.
Students can learn to compare different accounts and consider factors such as:
Interest rates
Minimum balances
Fees
Accessibility
Account features
How interest can help money grow
These may seem like simple concepts, but learning them early helps students develop good money-management habits.
2. Teach Teens How Checking Accounts Work
Once students get their first job, they’ll likely need a checking account.
Many employers use direct deposit, so understanding how a checking account works is an important part of preparing for employment.
Students should know how to:
Deposit and access money
Use a debit card
Read an account statement
Understand account balances
Recognize banking fees
Use direct deposit
Track spending
Avoid overdrawing an account
A classroom lesson on checking accounts can give students a chance to practice these skills before they’re responsible for managing their own money.
3. Help Students Understand Their First Paycheck
Getting that first paycheck is exciting—until students realize that their gross pay isn’t the amount that actually lands in their bank account!
This is a perfect opportunity to teach students about gross pay, net pay, deductions, Social Security, Medicare, and federal income tax.
Students should also understand the paperwork that comes with starting a new job.
That includes learning about:
W-4 forms
Direct deposit forms
Pay stubs
Gross income
Net income
Tax withholding
W-2 forms
These are real-world financial skills that students will use almost immediately after entering the workforce.
4. Teach Teens About Taxes
Taxes can be confusing for adults—so imagine how overwhelming they can be for a teenager filing a tax return for the first time!
Students should understand that earning money generally means dealing with taxes.
They can learn how to read a W-2 and understand the basic information reported on it. They can also learn how a Form 1040 is used to file a federal income tax return.
Even if a student doesn’t earn enough to owe federal income tax, they may still need to file a return to receive a refund of money that was withheld from their paycheck.
Allowing students to practice completing a tax return in high school can make the process much less intimidating when they eventually have to do it themselves.
5. Explain the Difference Between Debit and Credit Cards
Teenagers are surrounded by opportunities to spend money.
Online shopping, food delivery, subscriptions, entertainment, and social media all make spending incredibly easy.
That’s why students need to understand the difference between debit cards and credit cards.
With a debit card, money generally comes directly from the student’s bank account.
With a credit card, the student is borrowing money and agreeing to repay it.
That distinction is critical.
Students also need to understand what happens when they don’t pay a credit card balance in full.
6. Show Students How Credit Card Debt Can Grow
One of the most valuable financial literacy activities you can do with teenagers is demonstrate how credit card interest works.
A purchase that seems affordable can become much more expensive when interest is added, and the balance isn’t paid off.
Rather than simply telling students that credit card debt is dangerous, let them see the numbers for themselves.
Students can calculate how long it could take to pay off a balance while making minimum payments and how much interest they could ultimately pay.
This turns an abstract financial concept into a real-world lesson students are much more likely to remember.
7. Teach Students About Credit Scores
A credit score may seem like something that only matters when students are older, but the financial choices they make as young adults can have long-term consequences.
Students should understand:
What a credit score is
Why credit scores matter
What can affect a credit score
How responsible credit use can help establish good credit
How missed payments and excessive debt can hurt credit
Why a poor credit score can make borrowing money more expensive
A strong credit history can affect future financial decisions involving things such as cars, housing, loans, and credit cards.
The earlier students understand this connection, the better prepared they are to make responsible choices.
Make Financial Literacy Relevant to Teenagers
The best financial literacy lessons aren’t simply lists of vocabulary words or worksheets defining financial terms.
Students need opportunities to use financial information to solve realistic problems and make decisions.
For example, instead of asking students to define “credit score,” give them a scenario involving two people with different credit scores and ask them to compare the cost of borrowing money.
Instead of simply defining “net pay,” give students a sample paycheck and have them determine how much money they actually take home.
Instead of telling students that taxes are withheld from their paychecks, let them examine a pay stub and identify the deductions.
Looking for Financial Literacy Activities for High School?
If you’re looking for ready-to-use financial literacy activities for teens, I’ve created a collection of resources designed to make these concepts practical and engaging for high school students.
The activities cover essential topics including:
Savings accounts
Checking accounts
Credit and debit cards
Credit scores
Jobs and taxes
W-4 and W-2 forms
Federal Form 1040
Real-world money management
Students aren’t just reading about financial concepts. They research, calculate, problem-solve, and apply what they’re learning.
Several of the units also include interactive escape room activities, giving students a more engaging way to review and apply financial literacy concepts.
Financial literacy becomes much more meaningful when students can see how it applies to their own lives.
Financial Literacy Bundle
If you want to teach multiple financial literacy topics, you can save by getting all five units together in the Financial Literacy Bundle.
The bundle includes financial literacy activities covering checking accounts, savings accounts, credit and debit cards, credit scores, and jobs and taxes.
It’s designed for high school personal finance, financial literacy, economics, consumer math, career readiness, and life skills classes.
Give Teens the Financial Skills They Need for Adulthood
We can’t assume that students will automatically learn how to manage money once they graduate.
They need opportunities to learn—and practice—these skills while they’re still in school.
Teaching teenagers about saving, banking, credit, taxes, income, and responsible money management can give them a stronger foundation as they enter college, the workforce, and adulthood.
Because knowing how to manage money isn’t just a nice skill to have.
Are you interested in reading about and sharing ideas with other educators on using children’s literature in your classroom? My goal is to bring together teachers and homeschoolers who teach grades 3-8 and use novels with their students. I’d love for you to join me to learn, share, and grow together!
Introducing novels to young readers requires selecting a book that not only captures students’ imagination but also sparks their interest in reading. One such captivating novel is Dinosaurs Before Dark, the first book in the beloved Magic Tree House series by Mary Pope Osborne.
The Magic Treehouse series is one of the best-selling chapter book series of all time for a reason. The books are a wonderful entry into the chapter book genre and there is a book for nearly every topic of interest. Dinosaurs Before Dark is the first book in the series and introduces the reader to the Magic Treehouse and the adventure of the lives of Jack and Annie. It is a great book to use in your classroom or homeschool for a whole class novel study, small book groups, or individual book studies.
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Why teachers should consider Dinosaurs Before Dark as a gateway to the world of novels:
Captivating Storyline: Dinosaurs Before Dark takes young readers on an extraordinary journey as siblings Jack and Annie stumble upon a mysterious tree house filled with books that transport them to different time periods. In this installment, they are whisked away to the Mesozoic Era, where they encounter dinosaurs and experience the wonders of this prehistoric world. The thrilling and imaginative storyline instantly grabs the attention of students, encouraging them to delve deeper into the novel.
Engaging and Accessible Language: Mary Pope Osborne’s writing style in the Magic Tree House series is both engaging and accessible for young readers. The vocabulary is carefully chosen to suit the target age group, allowing students to comprehend the story without feeling overwhelmed. As they navigate the pages of Dinosaurs Before Dark, students will discover the joy of reading independently, building their confidence as they progress through the chapters.
Blends Fiction and Non-fiction: Dinosaurs Before Dark seamlessly blends elements of fiction and non-fiction, providing an excellent opportunity for interdisciplinary learning. The novel sparks students’ curiosity about dinosaurs, encouraging them to explore more about these fascinating creatures. Teachers can capitalize on this interest by incorporating science lessons that delve into paleontology, the study of dinosaurs, and the prehistoric era, enriching students’ knowledge across multiple subjects.
Introduction to Historical Fiction: Historical fiction allows young readers to experience different time periods, cultures, and places through the lens of compelling narratives. Dinosaurs Before Dark serves as an excellent introduction to this genre by transporting students to a time long gone. By engaging with historical fiction early on, students develop an appreciation for history and recognize the impact it has on the present. Teachers can further expand on this concept by exploring other historical periods through additional novels.
Promotes Imagination and Creativity: The Magic Tree House series, including Dinosaurs Before Dark, sparks the imagination of young readers. As Jack and Annie embark on their adventures, students are encouraged to envision themselves in their shoes, fostering creativity and a sense of wonder. The novel’s vivid descriptions of the prehistoric world inspire students to create their own stories, drawings, or even theatrical performances related to the Mesozoic Era.
Encourages Critical Thinking and Problem-Solving Skills: Throughout the novel, Jack and Annie encounter numerous obstacles, requiring them to think critically and problem-solve their way through. Teachers can use these challenges as opportunities to engage students in discussions about decision-making, ethics, and the consequences of actions. These life lessons can empower students to face their own challenges with confidence and resilience.
Cultivates a Love for Series Reading: The Magic Tree House series, with over 60 books and counting, offers an exciting prospect for students to continue their reading journey beyond Dinosaurs Before Dark. By introducing this novel as the first in a series, teachers can create a sense of anticipation and eagerness to read more about Jack and Annie’s adventures. This approach cultivates a habit of series reading, encouraging students to explore other genres and authors in the future.
Embraces Diversity and Inclusivity: Mary Pope Osborne thoughtfully weaves themes of diversity and inclusivity throughout the Magic Tree House series. By incorporating characters from various backgrounds, the books encourage empathy and understanding among students. The diverse representation in Dinosaurs Before Dark opens up discussions about cultural differences and the importance of respecting others, promoting a sense of unity in the classroom.
The introduction of novels sets the foundation for a lifelong journey of reading, cultivating a love for books, and nurturing critical thinking skills. Your students will be drawn into the nail-biting adventure with Jack and Annie. The novel’s perfect blend of fantasy and history, endearing characters, and exciting adventures captivate young minds, fostering critical thinking, curiosity, and empathy. By taking students on a magical journey through time, Dinosaurs Before Dark leaves an indelible mark, setting the stage for a lifelong appreciation of literature and exploration.
I offer a complete novel study to accompany Dinosaurs Before Dark for use in the classroom or homeschool. The unit includes both a printable format and a Google Drive™ format for use in a paperless classroom or with Google Classroom.
Try a free sample of the novel study for Dinosaurs Before Dark
You can purchase this novel study at the following locations:
Are you interested in reading about and sharing ideas with other educators on using children’s literature in your classroom? My goal is to bring together teachers and homeschoolers who teach grades 3-8 and use novels with their students. I’d love for you to join me to learn, share, and grow together!
As a teacher, you are constantly searching for new and exciting ways to engage your students and make learning more enjoyable. One way to achieve this is by incorporating literature into your curriculum. And what better author to turn to than Roald Dahl? His works are not only entertaining but also packed with valuable lessons that can be applied in real life. The Magic Finger is a clever and creative novel by Roald Dahl. True to the Roald Dahl style, it is quirky, funny, and absolutely absurd. Students will be left thinking of all the things they might do if they too had the Magic Finger! It is a great book to use in your classroom or homeschool for a whole class novel study, small book groups, or individual book studies.
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The Magic Finger by Roald Dahl is a classic children’s book that can be an excellent addition to any classroom. This book is not only entertaining but also has several educational benefits.
Why you should use The Magic Finger by Roald Dahl in your classroom and how it can benefit your students.
Engaging Storyline: The Magic Finger has a captivating plot that will keep your students engaged and interested in the story. The book is filled with exciting events, unexpected twists, and valuable lessons that your students can learn from.
Develops Reading and Comprehension Skills: The Magic Finger by Roald Dahl is an easy-to-read book that can help develop your students’ reading skills. It has short chapters and simple language that can be easily understood by young readers. Additionally, the book has a unique and captivating storyline that can keep your students engaged while improving their comprehension skills.
Promotes Empathy and Understanding: The Magic Finger by Roald Dahl teaches valuable lessons about empathy, understanding, and acceptance. The story revolves around a young girl who possesses a magical ability to make people smaller or larger. Through the book, students can learn the importance of treating others with kindness, even those who are different from us.
Sparks Imagination and Creativity: The Magic Finger by Roald Dahl is a book that ignites the imagination and creativity of young readers. The magical aspect of the story can inspire students to think beyond the ordinary and dream up new possibilities. Encouraging students to explore their creativity can help them develop problem-solving and critical-thinking skills.
Supports Social and Emotional Learning: The Magic Finger by Roald Dahl is an excellent resource for social and emotional learning (SEL). The book’s themes of empathy, acceptance, and understanding can help students develop their social and emotional intelligence. By discussing the story and its characters, students can develop their communication and social skills.
Provides Opportunities for Cross-Curricular Learning: The Magic Finger by Roald Dahl can be used to teach various subjects across the curriculum. For example, you can use the book to teach science by exploring the magical powers of the main character. You can also use it to teach history by discussing the book’s themes of discrimination and acceptance.
Try a free sample of the novel study for The Magic Finger
The Magic Finger by Roald Dahl is a fantastic book that can offer numerous benefits to your classroom. It is an easy-to-read book that can improve your students’ reading and comprehension skills. The book also teaches valuable lessons about empathy, understanding, and acceptance, promoting social and emotional learning. Additionally, it sparks creativity and imagination and provides opportunities for cross-curricular learning. As an educator, adding The Magic Finger by Roald Dahl to your classroom library can be an excellent investment in your students’ education.
I offer a complete novel study to accompany The Magic Finger for use in the classroom or homeschool. The unit includes both a printable format and a Google Drive™ format for use in a paperless classroom or with Google Classroom.
You can purchase this novel study at the following locations:
Are you interested in reading about and sharing ideas with other educators on using children’s literature in your classroom? My goal is to bring together teachers and homeschoolers who teach grades 3-8 and use novels with their students. I’d love for you to join me to learn, share, and grow together!
For years, I employed the Daily Oral Language sentences to reinforce grammar, punctuation, and spelling skills in my classroom as part of our bellwork routine. Witnessing noticeable progress in my students’ everyday writing validated the effectiveness of these short morning lessons. Notably, this improvement extended to their performance in standardized tests throughout the year. Despite its effectiveness, both my students and I found this method rather dull. I realized there had to be a more engaging approach.
During my search for alternatives, I stumbled upon an article in the Los Angeles Times discussing the impact of texting on the grammar abilities of tweens and teens.
This particular quote caught my eye: “Basically, kids aren’t able to “code switch” — shift between standard grammar and the abbreviations used in text messages, Sundar said. Those abbreviations have essentially become the words for them.
Adults not raised on text-friendly abbreviations in their formative years are able to shift between formal and informal language, Sundar said. Kids consuming a steady diet of “textual adaptations” aren’t.”
We’re well aware that teens often use “text speak” to convey thoughts in the fewest characters possible, causing chaos in grammar, spelling, and punctuation. It can be quite challenging to read at times! Unfortunately, this shorthand finds its way into their everyday classroom writing. It’s crucial for students to grasp proper writing conventions essential in the professional world.
How do we guide our students to “code switch,” allowing them to employ the convenience of texting while maintaining proper grammar, spelling, and punctuation?
I devised a method that merges DOL-style practice with “text speak.” This approach lets students engage in practice that feels more intriguing and relevant to them—in their own “language,” so to speak. Simultaneously, they learn that while “text speak” suits casual texting, formal writing demands adherence to conventional rules. It truly offers the best of both worlds!
The structure mirrors the DOL format I previously employed: about two sentences per day for bellwork. I prepare a weekly sheet featuring 10 sentences composed in “text talk,” requiring correction using standard writing conventions. Each morning, students independently rectify two sentences, followed by a class review as part of our daily routine.
For example:
Passage: n Aug he didnt nvr do gud
Answer: He didn’t do well in August.
This might seem like an alien language at first glance! For tweens and teens, though, it’s their language and a sort of puzzle to translate it into proper English. It reinforces the notion that their “text speak” is valid for casual communication, yet emphasizes its unsuitability for formal writing in school or the professional sphere. This clear distinction aids in understanding the disparity between the two modes of communication.
For an engaging and practical approach to offer grammar, punctuation, and spelling practice to your middle/high school students, explore Text-to-English Grammar Activities. The complete product is available for purchase by quarter, semester, or for an entire year! Every download comprises printable, interactive notebook, and digital formats compatible with Google Drive™!
In the book Flat Stanley, Stanley was mailed to California instead of going by train or plane to save money. This idea seems hilarious, crazy, and a wild stretch of the author’s imagination, but did you know that back in 1913-1914, it was legal to send children through the mail? There are cases of “real-life Flat Stanleys” in the United States Postal history.
In 1913, the U.S. Post Office introduced a Parcel Post service for Americans to send larger packages through the Post Office. Before this time, all you could send was a letter. This new service was beneficial for businesses and farmers, but a few people took advantage of it to ship their children! On January 26, 1913, the New York Times reported that a mail carrier in Batavia, Ohio, delivered a baby “mailed” by his parents to his grandmother, who lived about a mile away:
“Vernon O. Lytle, mail carrier on rural route No. 5, is the first man to accept and deliver under parcel post conditions a live baby. The baby, a boy weighing 10-3/4 pounds, just within the 11-pound weight limit, is the child of Mr. and Mrs. Jesse Beagle of Glen Este. The boy was well-wrapped and ready for “mailing” when the carrier received him today. Mr. Lytle delivered the boy safely at the address on the card attached, that of the boy’s grandmother, Mrs. Louis Beagle, who lives about a mile distant. The postage was fifteen cents and the parcel was insured for $50.” *From The New York Times. “Baby Boy by Parcel Post.” 26 January 1913
Learn more about this unbelievable but true story in Flat Stanley novel Study, “Could you Be a Real-Life Flat Stanley?”. It is included with the full Flat Stanley Novel Study, or available alone. It includes a reading informational article detailing the longer, complete version of this interesting factoid of our postal history, as well as a math and writing follow-up activity where the student will work to determine the cost to deliver themselves to a travel destination via mail, car, train, or plane! Crazy, fun, and educational all in one!
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Flat Stanley by Jeff Brown, is a fun book that is wonderful to use in the classroom.
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This book can spark numerous activities across the curriculum. The book asks the reader to suspend reality and go along for the ride. Students really have a fun time reading Flat Stanley and participating in the extension activities.
Try a free sample of the novel study for Flat Stanley
Completing the Flat Stanley project with your class can be a fun learning experience. Each student will create their own personalized flat character (usually named after themselves). They will ask a relative or friend that lives in a different place to take their character on an adventure and report back. Most helpers get into the fun and make it enjoyable for students to share their results. All three of my kids have sent their flat selves with Grandpa on golf vacations. Grandpa had so much fun with his Flat Grandkids and posed for numerous pictures. My kids were able to share their Flat adventures with their class.
You can purchase this novel study at the following locations:
Are you interested in reading about and sharing ideas with other educators on using children’s literature in your classroom? My goal is to bring together teachers and homeschoolers who teach grades 3-8 and use novels with their students. I’d love for you to join me to learn, share, and grow together!
“Vernon O. Lytle, mail carrier on rural route No. 5, is the first man to accept and deliver under parcel post conditions a live baby. The baby, a boy weighing 10-3/4 pounds, just within the 11-pound weight limit, is the child of Mr. and Mrs. Jesse Beagle of Glen Este. The boy was well-wrapped and ready for “mailing” when the carrier received him today. Mr. Lytle delivered the boy safely at the address on the card attached, that of the boy’s grandmother, Mrs. Louis Beagle, who lives about a mile distant. The postage was fifteen cents and the parcel was insured for $50.”
