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At present, only nine states have any sort of program to assess students’ financial literacy and less than 20 percent of teachers feel equipped to teach classes in the subject, according to a recent study by The President’s Advisory Council on Financial Capability.  

Even worse, the report found that, “Lack of financial literacy is widespread in the United States and Americans, including students, are worse off because of this.

financial literacyLow levels of financial literacy appear to be tied to higher rates of being ‘unbanked,’ higher levels of indebtedness, lower rates of wealth accumulation, and lower rates of retirement planning.”  

In order to educate teenagers, AMSCO School Publications, Inc. has created PERSONAL FINANCE, a high school textbook designed to teach American students everything they need to know to live fiscally responsible lives, including:

  • How to set financial goals
  • Researching and planning a career
  • How to understand banks
  • Where to save and where to invest
  • Using credit wisely
  • Why young people need insurance 

This comprehensive book guides young readers by breaking down complex financial matters into small, easily digested bites. It explains what goes into – and comes out of – a paycheck and why that matters. It shows how to balance a checkbook and make a budget that works. It explains when you should – and when you shouldn’t – apply for a credit card.

In addition it backs it all up with a glossary that clearly explains economic terms that befuddle even adults. “An education in managing your personal finances is your ticket to economic freedom,” says Irene Rubin, Vice President of Sales and Marketing, AMSCO School Publications.

There is a movement underway to combat our nation’s problem with financial literacy, but experts agree it must start with our children.

Boys and Girls Club of America, Junior Achievement, Girl Scouts and Boy Scouts have all begun classes, camps, projects and badges designed to teach young people financial literacy

PERSONAL FINANCE takes it to the next level by making financial literacy available to every high school student in America. 

AMSCO School Publications is dedicated to providing high quality, inexpensive textbooks and support materials to the educational community. They offer course texts, review, and test prep books that reflect national and state standards for curriculum and assessment, as well as a growing list of books aligned to the intent and the specifics of the Common Core State Standards. 


Pat WymanPat Wyman is the best selling author of  Instant Learning for Amazing GradesLearning vs. Testing, CEO and founder of HowToLearn.com . and the creator of the Personal Learning Styles Inventory. 

Public education can make a huge impact on the future of our kids by focusing on an effort to improve financial literacy.


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