Foundations in Personal Finance Adopted in Florida

Foundations in Personal Finance is currently adopted under the 2023 Florida requirements.
And we've got custom content for the upcoming adoption in the works!

Foundations in Personal Finance curriculum with State of Florida
What's Happening

Florida is currently in the adoption process for 2024–25. We'll hit all-new Florida and national standards with the updates
we’ve already begun developing! Our bid submission will be complete by July 2024. 

How We're Building

We're updating our current curriculum for Personal Finance and Money Management, with four versions available across standard and honors.
Plus, we're creating brand-new content to hit Florida's specific requirements for Economics and Personal Finance.

Topics Covered

The new Economics and Personal Finance versions will cover topics like the production possibilities curve,
supply and demand, scarcity and choice, and the circular flow model, to name a few. 


To hear firsthand about our adoption status—and for updates on how we’re
keeping up with Florida’s changes—please enter your email. 

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2023 Adoptions/What's in Place Now
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Aligned with Florida's state standards.

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Compatible with the following rostering and LMS platforms:

Clever, Classlink, Canvas, Schoology
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Being taught in 21 Florida districts.

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high school and middle school homeschool books

We're excited to get this life-changing homeschool curriculum to you. Check it out in our store.

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Request access and explore on your own!

Tell us about your position.

How can we get you more information?

Legal mumbo jumbo is no one’s cup of tea, but this is important stuff. By submitting this form, you agree that Ramsey Solutions and its agents and affiliates may contact you via email, telephone, or text messages, as well as may be permitted under our Privacy Policy and Terms of Use. This may include up to eight advertising messages per month via autodialer, artificial voice, and/or prerecorded messages.

Need a break from texts? Reply STOP from the mobile device receiving the messages at any time. (It’s not you, it’s us. Really.) Opting out may mean missing out on cool Ramsey product updates but the good news is that our products and services are available even without submitting this form. Messaging and data rates apply.

high school and middle school homeschool books

We're excited to get this life-changing homeschool curriculum to you. Check it out in our store.

Check out some of the South Carolina districts using our curriculum!
– Broward Co Public Schools

– Charlotte County School District

– Okaloosa County School District

– Alachua Co School District

– Bay District Schools

– Columbia County School District

– Escambia County School District

– Hardee County School District

– Hillsborough County School District

– Holmes County School District

– Lake County Schools

– Leon County Schools

– Manatee County School District

– Miami-Dade County Pub Schools

– Bradford Co School District

– Orange County Public Schools

– Palm Beach County School District

– Santa Rosa County School District

– Sarasota County School District

– Seminole County Public Schools

– Volusia County Schools

Both our Personal Finance and Money Management
and our Economics and Personal Finance versions are now titled: 

• Foundations in Personal Finance 4th Edition - FL 2024 Personal Finance and Money Management Version 

• Foundations in Personal Finance 4th Edition - FL 2024 Personal Finance and Money Management Honors Version

• Foundations in Personal Finance 4th Edition - FL 2024 Economics and Personal Finance Version 

• Foundations in Personal Finance 4th Edition - FL 2024 Economics and Personal Finance Honors Version 

Table of Contents

The Foundations in Personal Finance high school curriculum consists of 13 chapters of essential personal finance principles like how to budget, save, avoid debt, invest, be a wise consumer and much more!

Introduces the topic of personal finance, explores the evolution of credit and consumerism in America, and highlights the importance of both knowledge and behavior when it comes to managing money. 

  • Lesson 1: Personal Finance and You
  • Lesson 2: A History of Credit and Debt
  • Lesson 3: It’s Time for a Change
  • Lesson 4: The Road to Financial Success
  • Lesson 5: Financial Literacy
  • Lesson 6: Money Personalities and Relationships

Dives into why budgeting is key to taking control of money—and how students can get started right now. 

  • Lesson 1: The Benefits of Budgeting
  • Lesson 2: Components of a Budget
  • Lesson 3: Building a Zero-Based Budget
  • Lesson 4: Tracking Your Expenses
  • Lesson 5: Making Budgeting a Habit
  • Lesson 6: Relationships and Budgeting

Emphasizes the importance of saving and explains three reasons why students should save money: emergencies, large purchases, and wealth building. 

  • Lesson 1: Saving Money Takes Discipline
  • Lesson 2: Three Basic Reasons to Save
  • Lesson 3: Saving for Emergencies 
  • Lesson 4: Saving for Large Purchases  
  • Lesson 5: Building Wealth
  • Lesson 6: Compound Interest and Growth   

Identifies the dangers of debt, debunks some credit myths, explains the credit report and score, and provides practical strategies to get out of debt—and stay out. 

  • Lesson 1: Beware of Credit and Debt 
  • Lesson 2: Sources and Types of Credit
  • Lesson 3: Credit Scores and Credit Reports  
  • Lesson 4: The Truth About Credit Cards   
  • Lesson 5: The Truth About Car Loans 
  • Lesson 6: Getting and Staying Out of Debt    

Highlights the importance of being a smart consumer as part of a healthy financial plan, explains strategies to manage spending behavior, exposes common consumer scams, and identifies consumer rights. 

  • Lesson 1: The Psychology of Sales
  • Lesson 2: Buyer Beware
  • Lesson 3: The Marketing Machine  
  • Lesson 4: Becoming a Smart Spender
  • Lesson 5: Protecting Yourself as a Consumer
  • Lesson 6: Your Spending Behavior

Examines how students can find the right career path and create strategies to land a job they’ll love so they can thrive and enjoy their work. They’ll also discover tips for building a resumé and presenting themselves well during a job interview. 

  • Lesson 1: Work Matters
  • Lesson 2: Resumé and Interview Basics
  • Lesson 3: An Entrepreneurial Mindset
  • Lesson 4: The Path to Your Dream Job
  • Lesson 5: Exploring Career Options 
  • Lesson 6: Be a Lifelong Learner

Explores the variety of educational options available after high school, highlights the dangers of student loans, and explains how students can pay cash for college and avoid student loan debt. 

  • Lesson 1: The Path to Intentionality
  • Lesson 2: Explore Your Options
  • Lesson 3: Consider the Cost
  • Lesson 4: Reduce Your Cost
  • Lesson 5: Build Your College Resume
  • Lesson 6: Maximize Your Investment

Explores the services provided by banks and credit unions, including the different options and features. Students will learn about responsible banking, how to manage their accounts, and the importance of keeping records.  

  • Lesson 1: The Purpose of Banks
  • Lesson 2: Types of Financial Institutions
  • Lesson 3: Your Banks Accounts
  • Lesson 4: Responsible Banking

Breaks down the purpose of insurance, explains how insurance works, shows how insurance protects a person’s assets, and highlights the eight basic types of insurance everyone needs to have in place. 

  • Lesson 1: Insurance is Important
  • Lesson 2: Auto Insurance
  • Lesson 3: Homeowners and Renters Insurance
  • Lesson 4: Health Insurance
  • Lesson 5: Life Insurance
  • Lesson 6: Other Types of Insurances

Digs into a huge reality in life: If someone earns an income, they’re going to pay taxes. This chapter also breaks down the basics of different types of taxes—like sales, excise, and federal taxes—including how they impact a person’s income and spending. 

  • Lesson 1: What Happened to my Money
  • Lesson 2: Taxes on Your Paycheck
  • Lesson 3: Income Tax Basics
  • Lesson 4: Filing Your Income Taxes
  • Lesson 5: Taxes on Other Types of Income
  • Lesson 6: Taxes on Things You Buy

Identifies the differences between renting and homeownership. Students will discover the financial costs related to having their own place to live, and they’ll learn what to do when they’re ready to buy a house.

  • Lesson 1: Living On Your Own
  • Lesson 2: Renting Vs. Owning
  • Lesson 3: Renting 101
  • Lesson 4: Buying a House

Dives into the basics of preparing for retirement, investing for the future by understanding the stock market and mutual funds, and planning to live a life bursting with generosity. 

  • Lesson 1: Money For the Future
  • Lesson 2: Understanding Investments
  • Lesson 3: Investing Through Retirement Plans
  • Lesson 4: Protecting Your Investments
  • Lesson 5: Planning For Retirement 
  • Lesson 6: Outrageous Generosity

Examines how the global economy impacts personal financial decisions and how different global economic systems influence decisions about goods and services that are used around the world. 

  • Lesson 1: Macroeconomics and Global Activity
  • Lesson 2: Economic Systems
  • Lesson 3: The U.S. Economy
  • Lesson 4: Thinking Globally

Both our Personal Finance and Money Management
and our Economics and Personal Finance versions are now titled: