Personal Finance for Teens

A Foundation for a Lifetime of Financial Literacy

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Personal Finance for Teens teaches students the tools needed to understand some of the biggest financial decisions that they will have to make throughout their lives. From goal setting and formulating a financial plan, to choosing the right insurance policy, students will develop valuable lifelong skills for making career decisions, managing their money, and creating a secure financial future into retirement. This graphically illustrated textbook brings content to life as it prepares students for their financial future. 


Financial Topics Covered:

  • Setting Goals
  • Needs vs. Wants
  • Preparing for a Career
  • Income and Spending
  • Budgeting
  • Time Value of Money
  • Financial Services
  • Banking and Credit
  • Income Taxes
  • Saving and Investing
  • Stocks, Bonds & Mutual Funds
  • Risk Management
  • Hands-on, real-world end-of-chapter reviews, projects, and assessments
  • Built and developed using a "non-text-heavy" format with engaging teen-based content
  • Each chapter includes a list of key terms, interesting facts and statistics, and eye-catching figures
  • End of each chapter provides six different review activities that allow students to use critical thinking and creativity to apply what they have learned
  • Each chapter concludes with a Chapter Assessment
  • Aligned with NBEA, Common Core, ISTE, and CCTC Standards, and the National Standards for Financial Literacy
Table of Contents

Unit 1 Formulating a Financial Plan

Chapter 1 Start Smart

Setting Goals

Chapter 2 Prioritize Purchases

Needs Versus Wants

Chapter 3 What’s Your Next Move?

Making Decisions


Unit 2 Career Planning

Chapter 4 Inventory of Interests

Exploring Careers

Chapter 5 Learn to Earn

Career Preparation

Chapter 6 Where to Live, Work, and Play

Earning Potential


Unit 3 Money Management

Chapter 7 Balancing Bucks

Keeping Track of Your Money

Chapter 8 Budget Busters

Creating a Personal Budget

Chapter 9 Compile Your Files

How to Stay on Budget

Chapter 10 Grow Your Green

Time Value of Money


Unit 4 Banking and Credit

Chapter 11 Who to Trust

The Financial Services Industry

Chapter 12 Cash, Check, or Card?

Cash Management Tools

Chapter 13 Basics of Borrowing


Chapter 14 Savvy Spender

Major Purchases


Unit 5 Investing in Your Future

Chapter 15 Invest Today, Retire Tomorrow

Saving and Investing

Chapter 16 Taking Stock of the Stock Market

Stocks and Bonds

Chapter 17 Diversifying Dollars

Mutual Funds and More


Unit 6 Risk Management

Chapter 18 Risky Business

Managing Your Risk

Chapter 19 Peace of Mind Protection

Types of Insurance

FREE Online Instructor and Student Resources

The free Online Instructor and Student Resources for Personal Finance for Teens are housed on and include a wealth of activities and assessments that challenge students to demonstrate their understanding of chapter material. Students will complete a series of hands-on activities that test their knowledge of key terms, abilities to respond to a writing prompt, the application of problem-solving and critical thinking skills, and capabilities to demonstrate creativity and innovation using technology.


Online Instructor and Student Resources Include:

  • Chapter Review Activities and Answer Keys
    • Define It! - Students define the key terms presented in each chapter, helping them to prepare for the Chapter Assessment.
    • "Right" It! - Students apply their understanding of the concepts presented in the chapter by responding to a writing prompt.
    • Make $ense of It! - Students review a scenario specific to each chapter where their problem solving, critical thinking, and decision-making skills are challenged.
    • Check It! - Students research aspects of personal finance to determine and evaluate the appropriate strategies for each scenario.
    • Create It! - Students demonstrate creative thinking, construct knowledge, and develop innovative ideas/products/services by creating a variety of documents.
    • Tech It! - Students conduct research and make informed decisions using the appropriate digital tools and resources in these technology-based activities.
  • Chapter Assessments and Answer Keys
    • Students demonstrate their comprehension of chapter topics by completing a series of true/false, multiple choice, definition, and short answer questions.
  • Instructor's Guide
  • Grading Rubrics (if applicable)
  • Certificate of Completion

    Standards Correlations

      CCTC: Common Career Technical Core Standards

      CCSS-R: Common Core: Reading Standards for Literacy in Science and Technical Subjects - Grades 6-12

      CCSS-R Anchor: Common Core: College and Career Readiness Anchor Standards for Reading - Grades 6-12

      CCSS-W Anchor: Common Core: College and Career Readiness Anchor Standards for Writing - Grades 6-12

      ISTE: International Society for Technology in Education - Computer & Technology Literacy, Introduction to Computers Standards - Grades 6-12

      NSFL: National Standards for Financial Literacy

      NBEA: National Business Education Association Standards for Personal Finance

      eTextbook License Information

      Transferable eTextbook Student License: One license is required per student per term within a given school year. Once a term is completed, licenses can be reused. The number of licenses required is equal to the maximum number of students using an eTextbook within one term. See example below:

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      Minimum: A minimum purchase of 15 licenses is required.

      Term: Licenses are valid for 5 years (transferable term to term).

      Instructor Resources: Included FREE for unlimited number of instructors; 5-year access.

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      Grade: 9-12

      Personal Finance for Teens (Print) - Min. 15
      ISBN: 9781626891159
      Author: Nancy Olesen
      © 2017
      Size: 8.5" x 11"
      Page Count: 256
      Print Color: Full Color
      Binding: Hardcover

      Personal Finance for Teens (eTextbook 5 Yr. Student License) - Min. 15
      ISBN: 9781626896734
      Author: Nancy Olesen
      © 2017
      Page Count: 256
      Print Color: Full Color

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      TB-PFFT-WB Personal Finance for Teens (Print) - Min. 15 9781626891159 $88.95
      TB-PFFT-ET Personal Finance for Teens (eTextbook 5 Yr. Student License) - Min. 15 Call or email for volume pricing. 9781626896734 $54.95
      Order More & Save: Qty. of 15-49 $54.95 ea.
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