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Keys to Financial Success



There is a $50 registration fee for the professional development portion of the Keys to Financial Success; however, materials and program information are free to schools and teachers. The Keys to Financial Success represents an excellent option for getting teachers and students started with personal financial education quickly.

Upcoming Training

Keys to Financial Success
Monday, July 9, 2018, to Friday, July 13, 2018
8:00 a.m.-3:30 p.m.
Registration opens soon!

8:00 a.m.-3:30 p.m.


Each lesson in the Keys to Financial Success program is correlated to the national content standards in financial literacy, personal finance, and economics as well as the Common Core State Standards.

For More Information

Todd Zartman
Economic Education Specialist
(215) 574-6457
todd.zartman@phil.frb.org E-Mail Address

The Keys to Financial Success Lessons

With nine themes and 52 lessons, the Keys to Financial Success course gives you the tools to teach personal finance using the economic way of thinking and active- and collaborative-learning teaching methods.

A Sample Lesson

Each lesson in the Keys to Financial Success Teacher’s Manual has a number of key features, which help teachers carry out effective instruction to achieve student-specific learning objectives. This sample lesson gives you an overview of those components.

Keys to Financial Success Lessons
Theme 1: Goals & Decision-Making
Theme 2: Careers & Planning
  • How to Really Be a Millionaire
  • Invest in Yourself
  • The Economic Way of Thinking
  • Making Decisions
  • How Can We Decide?
  • How to Set Goals
  • What Do You Mean I Have to Earn an Income?
  • Making a Job
  • Why Some Jobs Pay More Than Others
  • What Else Is Out There and How Would I Find It?
  • Dreams and Plans
Theme 3: Budgeting
Theme 4: Saving & Investing
  • Why Should I Have a Budget?
  • Funding My Goals by Planning
  • Uncle Sam Takes a Bite
  • Forms, Forms, Forms
  • Get a Plan, Get a Grip, Plan a Budget
  • Preparing My Own Budget
  • Pay Yourself First, Early, and Often
  • Why Should I Have a Savings Plan?
  • How Do I Decide Whether to Save, Invest, or Both?
  • There Is No Free Lunch in Investing
  • Financial Institutions in the U.S. Economy
  • Reading the Financial Pages: In Print and Online
  • Researching Companies
  • How to Buy and Sell Stocks and Bonds
Theme 5: Credit Theme
Theme 6: Banking Services
  • Extra “CREDIT”: Cash or Credit?
  • What Is Credit?
  • Cash or Credit? Which Should I Use and When?
  • Making Credit Choices
  • Finding Your Way Through the Credit Maze
  • Applying for Credit
  • All About Interest
  • Shopping for a Credit Card
  • Consumer Credit Protection
  • What Financial Institutions Can Do for Me
  • Checking Accounts: Not All Are Created Equal
  • Practice, Practice: How to Record Deposits, Keep a Running Balance, and Reconcile a Checking Account
Theme 7: Transportation Theme
Theme 8: Housing Issues
  • How Do You Get Wheels and What Are the Costs?
  • What Do I Want and What Can I Afford?
  • What Are Warranties and Service Contracts and Why Do I Need Them?
    Or Do I?
  • Have I Got a Deal for You! Loan or Lease?
  • How Costly Will My Car Insurance Be?
  • Moving into My Own Place
  • How Comfortable Will My Place Be?
  • Tired of Renting: Should I Buy My Own House?
  • Can I Really Afford That House?
  • Obtaining Financing: Shop for Your Mortgage
Theme 9: Risk Protection
Appendices and Other Materials
  • Let the Buyer Beware
  • In Trouble
  • Credit Scams, Schemes, Identity Theft, and Privacy Issues
  • Why Insurance and How Does It Work?
  • The Basics of Life Insurance
  • Everything You Ever Wanted to Know About Automobile Insurance
  • Why Renter’s Insurance?
  • Stock Market Activity
  • Making the Case for Financial Literacy
  • Alignment with Economics and Personal Finance Standards