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Personal Finance for Teens

A Foundation for a Lifetime of Financial Literacy


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
  • 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

Online Student and Instructor Resources

Student and Instructor Resources for this textbook are housed on our interactive digital eLearning platform, eCTE.com.


Instructor Resources Include:

  • Instructor's Guide
  • Chapter Review Activities
  • Chapter Assessments and Answer Keys
  • Grading Rubrics (if applicable)
  • Certificate of Completion

Student Resources Include:

  • Planning Forms

    eText License Information
      • Each eText license code, once redeemed, is valid for 1 year or 6 months from the date of first log in
      • One license code is required per student
      • License codes do not expire and can be redeemed at any time
      • A minimum order of 10 license codes is required

      eTexts are housed in our interactive digital eLearning platform, eCTE.com.

      About Our eLearning Platform (eCTE.com)
      Our eLearning platform (eCTE.com) delivers interactive digital eLearning content for Career and Technical Education.

      For more information about eCTE.com, click here

      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


      Grade: 9-12

      Textbook (Min. 10) (Print)
      ISBN: 978-1-626891-15-9
      Author: Nancy Olesen
      © 2017
      Size: 8.5" x 11"
      Page Count: 256
      Print Color: Full Color
      Binding: Hardcover

      Student eText (Min. 10) (eCTE.com)
      ISBN: 978-1-62689-283-5
      Author: Nancy Olesen
      © 2018
      Size: 8.5" x 11"
      Print Color: Full Color

      Student eText (Min. 10) (eCTE.com)
      ISBN: 978-1-62689-442-6
      Author: Nancy Olesen
      © 2018
      Size: 8.5" x 11"
      Print Color: Full Color

      Online Instructor Resources Including eText (eCTE.com)
      ISBN: 978-1-934422-15-1
      Author: Nancy Olesen
      © 2018
      Size: 8.5" x 11"
      Print Color: Full Color

      Print Options

      Item # Item Name ISBN Qty. Unit Price Total
      TB-PFFT-WB Textbook (Min. 10) 9781626891159 $88.95

      Digital Options

      Item # Item Name ISBN Qty. License Duration (Once Activated) Unit Price Total
      TB-PFFT-EB Student eText (Min. 10) 9781626894426 $19.95
      TB-PFFT-EB Student eText (Min. 10) 9781626892835 $25.95
      TB-PFFT-TG Online Instructor Resources Including eText 9781934422151 $449.95
      Product Total: $0.00