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.
Grades 6-12+ · 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.
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
Start smart.
Build the basics of managing money and making thoughtful financial choices.
Level 1 of 4
Topics
- Budgeting
- Saving
- Banking
- Needs vs. Wants
- Spending Choices
- Debit Cards
- Digital Money
- Financial Goals
Grades 8-9 · 12 weeks
MONEY: IRL
Your money. Your choices.
Start navigating the financial decisions that come with earning and managing your own money.
Level 2 of 4
Topics
- First Paychecks
- Gross vs. Net Pay
- Taxes
- Banking
- Budgeting Income
- Credit Basics
- Interest
- Smart Spending
- Scams + Identity Protection
Grades 10-11 · 12 weeks
MONEY: Grow
Don't just manage it. Grow it.
Learn how today's financial decisions can create, or limit, future opportunities.
Level 3 of 4
Topics
- Investing
- Compound Growth
- Credit + Debt
- Risk + Return
- Emergency Savings
- Retirement
- Benefits
- Entrepreneurship Finance
- Funding Ideas
- Building Wealth
Grade 12+ · 12 weeks
MONEY: Adulting
Because independence has a price tag.
Prepare for the financial realities of life after high school and build a realistic plan for living on your own.
Level 4 of 4
Topics
- Housing
- Transportation
- Insurance
- Taxes
- Benefits
- Credit
- Debt
- College + Training Costs
- Financial Aid
- Student Loans
- Investing
- Emergency Funds
- Independent Living
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.
Transcript credit
Get Financially Lit.
Students who complete the MONEY program requirements, or show mastery of the required financial skills, earn transcript credit in financial, economic, business, and entrepreneurial literacy. It recognizes a student's ability to apply essential financial skills to real-world decisions.
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
- Grades 6-12+
- 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.