Youniversal LearningMoney ManagementYouniversal Learning
Financial literacy for grades 6–12 · launching January 2027

Real money skills
for real life.

Forty-eight segments that take students from their first paycheck to their own financial plan: budgeting, saving, credit, investing, and the choices that shape their future.

Preview it for your school

💰 Unit 1 · Financial Foundations

Why money decisions matterPassed ✓
How choices shape your futurePassed ✓
Opportunity costPassed ✓
Hourly vs. salaryUp next
Gross pay vs. net payLocked
What is Money Management?

Watch. Read. Decide.
Prove it. Reflect.

Every segment walks students through one real-world money topic, then makes them use it before they move on.

Video and reading

A short video and a clear reading introduce each topic in plain language.

Real-life scenarios

Students make the call on paychecks, purchases, loans, and budgets.

Pass to move on

A graded assessment unlocks the next segment, so every student masters the basics.

48 segments · 5 units

From first paycheck to financial plan.

Students build the full picture one step at a time, then put it all to work in real-world simulations.

Segments 1–9

Financial Foundations

Opportunity cost, paychecks, taxes, budgeting, and emergency funds.

Segments 10–18

Building Wealth

Compound growth, inflation, stocks and bonds, and retirement accounts.

Segments 19–30

Credit & Debt

Credit scores, credit cards, loans, debt traps, and how to get out of debt.

Segments 31–39

Life Planning

Renting vs. buying, insurance, big purchases, goals, and earning power.

Segments 40–48

Real-World Application

Budget, credit, and investing simulations and a personal financial plan.

Built for classrooms

Easy for students. Easy for teachers.

It runs right in the web browser on the devices your students already use.

For students

No student email address required.

  • Sign in with a class code and a PIN
  • Work at their own pace, segment by segment
  • Retake assessments until they pass
  • Earn a certificate when they finish

For teachers

See who's done the work at a glance.

  • A gradebook with scores and attempts
  • Review and accept written reflections
  • Reset a student's PIN in one click
  • Print certificates for the class
Inside every segment

One topic, start to finish

Each segment takes about 45 minutes and fits a personal finance, economics, or advisory class.

  1. 1Watch the video
  2. 2Read and work the scenario
  3. 3Pass the assessment
  4. 4Write a reflection
A Youniversal Learning speaker shaking hands with high school students

Be first in line for January.

Principals, superintendents, and curriculum leaders: book a short call and we'll walk you through a live demo segment.

Schedule a call