NXTLEVEL MONEY
Learn it. Manage it. Make it work for you.
MONEY gives young people practical financial skills for the decisions that matter, from their first budget and paycheck to credit, investing, major expenses, and financial independence.
6th grade and up · Four Levels · 12-Week Experiences
What your student gets
- SociallyPractices real money decisions with classmates, before the stakes are real.
- In schoolPuts math to work on budgets, paychecks, taxes, interest, and investing.
- After high schoolIs ready for a first paycheck, a credit card offer, and the cost of moving out.
Upcoming classes
$30 a class · $360 for a full 12-week course. 12 students max. These are the proposed January courses. Days, times and formats are posted Dec 1, based on what families tell us on the January list.
MONEY: Foundations
Budgeting and saving basics
- Grades
- Grades 6 to 7
- Day and time
- Times posted Dec 1
- Format
- Edison or online, set Dec 1
Starts January · 12 seats
Get on the January listMONEY: IRL
Paychecks, taxes and credit basics
- Grades
- Grades 8 to 9
- Day and time
- Times posted Dec 1
- Format
- Edison or online, set Dec 1
Starts January · 12 seats
Get on the January listMONEY: Grow
Investing and growing your money
- Grades
- Grades 10 to 11
- Day and time
- Times posted Dec 1
- Format
- Edison or online, set Dec 1
Starts January · 12 seats
Get on the January listMONEY: Adulting
The real cost of living on your own
- Grades
- 12th grade and up
- Day and time
- Times posted Dec 1
- Format
- Edison or online, set Dec 1
Starts January · 12 seats
Get on the January list
IEP and 504 plans welcome. Special education expertise on staff.
Four levels. Real-life money skills.
From your first dollar to financial independence. Each level is a 12-week experience, and students start at the level for their grade.
- Foundations
- IRL
- Grow
- Adulting
Grades 6-7 · 12 weeks
MONEY: Foundations
Budgeting and saving basics
Build the basics of managing money and making thoughtful financial choices.
What they can take home
- A budget they built
- Their own financial goals
Level 1 of 4
Topics
- Budgeting
- Saving
- Banking
- Needs vs. Wants
- Spending Choices
- Debit Cards
- Digital Money
- Financial Goals
IEP and 504 plans welcome. Special education expertise on staff.
Grades 8-9 · 12 weeks
MONEY: IRL
Paychecks, taxes and credit basics
Start navigating the financial decisions that come with earning and managing your own money.
What they can take home
- A budget for money they earn
- Paycheck-reading skills
- Scam-spotting skills
Level 2 of 4
Topics
- First Paychecks
- Gross vs. Net Pay
- Taxes
- Banking
- Budgeting Income
- Credit Basics
- Interest
- Smart Spending
- Scams + Identity Protection
IEP and 504 plans welcome. Special education expertise on staff.
Grades 10-11 · 12 weeks
MONEY: Grow
Investing and growing your money
Learn how today's financial decisions can create, or limit, future opportunities.
What they can take home
- An investment portfolio they built
- A clear picture of credit and debt
Level 3 of 4
Topics
- Investing
- Compound Growth
- Credit + Debt
- Risk + Return
- Emergency Savings
- Retirement
- Benefits
- Entrepreneurship Finance
- Funding Ideas
- Building Wealth
IEP and 504 plans welcome. Special education expertise on staff.
Grade 12+ · 12 weeks
MONEY: Adulting
The real cost of living on your own
Prepare for the financial realities of life after high school and build a realistic plan for living on your own.
What they can take home
- A realistic plan for living on their own
- A budget built on income and real-world expenses
- A cost comparison for college or training
Level 4 of 4
Topics
- Housing
- Transportation
- Insurance
- Taxes
- Benefits
- Credit
- Debt
- College + Training Costs
- Financial Aid
- Student Loans
- Investing
- Emergency Funds
- Independent Living
IEP and 504 plans welcome. Special education expertise on staff.
This isn't money in a textbook. It's MONEY IRL.
Hands-on and built around real scenarios, not lectures about financial vocabulary. Students actually:
- Build a budget
- Read a paycheck
- Compare bank accounts
- Understand a credit card offer
- Calculate the real cost of borrowing
- Spot financial scams
- Build an investment portfolio
- Compare salaries and lifestyles
- Calculate the true cost of a car
- Explore the cost of college or training
- Figure out what it costs to move out
- Build a post-graduation financial plan
Featured experience
The Adulting Challenge: think you're ready to adult?
In MONEY: Adulting, students build a realistic financial life based on income, career choices, and real-world expenses. They work through:
- Income
- Taxes
- Housing
- Transportation
- Food
- Insurance
- Debt
- Savings
- Lifestyle
Then real life happens.
- Car repair
- Rent increase
- Reduced work hours
- Medical expense
- Raise
- Unexpected bill
Unexpected expenses and changing circumstances mean adjusting the budget and deciding in real time. Financial independence becomes something students practice, not just read about.
Certificate and record
Get Financially Lit.
Students who complete the MONEY program requirements, or show mastery of the required financial skills, receive a certificate and a record of their hours and skills in financial, economic, business, and entrepreneurial literacy. It recognizes a student's ability to apply essential financial skills to real-world decisions. Your school, or a homeschool parent, decides what counts toward credit.
Competencies include:
- Earning
- Budgeting
- Saving
- Banking
- Credit
- Debt
- Taxes
- Investing
- Major Expenses
- Financial Independence
What students walk away with
The knowledge and confidence to:
- Manage a budget
- Understand their paycheck
- Use banking tools
- Make informed credit decisions
- Understand borrowing and debt
- Recognize financial scams
- Understand basic taxes
- Start investing
- Evaluate major purchases
- Compare education and career costs
- Understand benefits and insurance
- Prepare for financial independence
The goal isn't just knowing about money. It's knowing what to do when the decision is yours.
MONEY that fits your program
MONEY can be offered through:
- Schools
- Community Organizations
- After-School Programs
- Summer Programs
- Homeschool Groups
- NXTLEVEL Cohorts
- 6th grade and up
- Four Progressive Levels
- 12-Week Experiences
- In-Person + Virtual Options
Organizations can offer a single MONEY level or build a multi-year financial skills pathway.
When it's your money, will you know what to do with it?
Give young people the chance to practice financial decisions before those decisions have real consequences.