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JA Personal Finance 2.0®

JA Personal Finance curriculum cover

High School
Classroom Based
After School

Pillars of Student Success
Financial Literacy High Financial Literacy
Work Readiness Moderate Work Readiness
Entrepreneurship Minimal Entrepreneurship
Through JA Personal Finance 2.0, students experience the interrelationship between today's financial decisions and future financial freedom. To achieve financial health and wellness, they learn about money-management strategies, including earning, employment and income, budgeting, savings, credit and debt, consumer protection, smart shopping, risk management, investing, credit card usage, debt management, and net worth.

Following participation in the program, students will be able to:

-- Identify how their personal finances affect their quality of life
-- Understand how their financial choices will be the basis for meeting their needs and wants.

JA Personal Finance is part of the JA Financial Literacy Pathway and is recommended for high school students (Grades 9-12).
This volunteer-led program can be implemented as a classroom based, remote live, or after school program. It consists of eight 45-minute sessions with 3 additional modular sessions. Program implementation depends on educator requirements and correlations to local standards.

Basic implementation includes Sessions One–Five delivered by the volunteer.
Sessions Six through Eight are optional and designed to be student self-guided activities with teacher or volunteer support.
Sessions Nine, Ten, and Eleven are both optional and modular. Each session includes self-guided learning experiences and an introduction and wrap-up by a teacher or volunteer.

JA teachers and volunteers are encouraged, as part of this program, to utilize the resources available in JA Connect™ Learning Pathways, located at This self-guided experience includes interactives, JA Digital Career Book, and games and apps for student use.

JA programs support national and state standards in reading, mathematics, social studies, and work and career readiness. See below for more information on alignment with national and state standards.

Program Concepts

Benefits versus costs, budgeting, compound interest, consequences, cost of living, credit, credit card fraud, credit reporting and rating, debt, delayed gratification, earnings, education, expense tracking, financial management, identity theft, income, information mining, interest, investing, job skills, limited resources, liquidity, maximizing earnings, opportunity cost, pawnshop, payday loan, priorities, rent-to-own, return on investment, reward, risk, saving, savings plan, unlimited wants, variable and discretionary expenses

Skills Students Learn

  • Analyze and evaluate data from multiple sources
  • car buying
  • comparing results
  • comparison shopping
  • computer skills
  • create savings plan
  • critical thinking
  • decision making
  • disputing unauthorized charges on a credit card
  • estimating
  • evaluate the risk and reward of an opportunity
  • evaluating online resources
  • evaluating options
  • evaluating personal skills
  • grocery shopping
  • interpreting analogy
  • long-term planning
  • online research
  • personal inventory
  • planning
  • predicting outcomes
  • presentation skills
  • prioritizing
  • proactive planning
  • problem solving
  • recognizing scams and fraud
  • recognizing the impact of relationships on personal finance
  • requesting and checking credit report
  • research
  • saving and investing
  • sorting
  • teamwork
  • tracking expenses
  • weighing costs and benefits

Virtual Implementation

Remote live implementation is available for JA Personal Finance.


Junior Achievement USA gratefully acknowledges The Allstate Foundation for its dedication to development and implementation of the JA Personal FInance Program.

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