For teachers and counselors

What's here

These numbers are counted from the site itself every time it's built.

149 lessons
6 start-here paths
149 lessons with a video
14 diagrams
13 Right now pages
8 phone scripts
152 printable cards (149 lesson + 3 keep-it-handy)
599 cited source pages

Written lessons in each room
Room	Lessons
Money	31
Work	19
Your place	37
Body	18
Mind	9
People	10
Legal	10
Tools	15

Sensitive topics

Preview these pages before assigning them. Each is written for a general audience, school-safe and non-graphic. They list free, confidential help lines. The lessons and most of the Right now pages here carry a Quick exit button that leaves the site for a weather page and replaces this page in the browser history. Every page also ends with the same help band: 911, 988, Poison Help, the National Domestic Violence Hotline and RAINN.

Pages by sensitive topic
Topic	Pages
Sexual assault	If you've been sexually assaulted Right now Consent, explained People Includes RAINN's 24/7 hotline. The Right now page covers getting safe, medical care and reporting, and says every next step is the survivor's choice.
Consent	Consent, explained People Green flags and red flags People Defines consent as a clear, freely given yes that can be withdrawn at any time.
Dating and relationship violence	Someone I'm with is hurting or scaring me Right now Someone is stalking or threatening me Right now Green flags and red flags People Setting a boundary People Includes the National Domestic Violence Hotline and love is respect.
Suicide, crisis and mental health	I'm in crisis, or I'm worried about someone Right now 988: when and how to reach out Body Stress vs. something more Body Finding a therapist you can afford Body Using campus counseling Body Calming anxiety in the moment Mind Every one of these points to 988 (call or text) and to 911 for immediate danger.
Sexual health	Checkups and screenings by age Body Finding a primary care doctor Body Checkups covers one-time HIV and hepatitis C tests, chlamydia and gonorrhea screening through age 24 for sexually active women, and cervical cancer screening. The doctor lesson lists HIV screening among free preventive services. Clinical and non-graphic.
Alcohol, nicotine and other substances	Alcohol: knowing the facts Body Nicotine and vaping Body Someone swallowed or breathed in something harmful Right now Includes Poison Help, 1-800-222-1222, and SAMHSA's National Helpline.

Lessons with a Quick exit button: 988: when and how to reach out, Alcohol: knowing the facts, Birth control and STI testing, privately, Calming anxiety in the moment, Checkups and screenings by age, Consent, explained, Discrimination and harassment at work, Family dynamics as an adult, Finding a primary care doctor, Finding a therapist you can afford, Green flags and red flags, Nicotine and vaping, Setting a boundary, Stress vs. something more, Using campus counseling.

Paths and discussion questions

Each start-here path puts lessons in order for one situation. Each path has its own teacher page with the lesson list and three discussion questions that can be answered from those lessons.

Standards map: Jump$tart National Standards

This maps Money, Work and related lessons to the grade 12 learning outcomes in the National Standards for Personal Financial Education (2021) from the Jump$tart Coalition and the Council for Economic Education. Codes and wording are copied from that document. We checked each one against it on October 3, 2026, and the rows for the newest lessons on October 3, 2026. A match means the lesson covers part of the outcome. It isn't a full unit. We only list standards we could check in the official document, and we don't map other subjects yet.

42 lessons map to 43 learning outcomes.

Lessons and Jump$tart learning outcomes
Lesson	Learning outcome (topic, code, wording)
Filling out a W-4	Earning Income 12-9a Complete IRS Form W-4.
Reading your pay stub	Earning Income 12-7c Differentiate between gross, net, and taxable income.
W-2 vs. 1099	Earning Income 12-7d Explain why some income is reported on an IRS Form W-2 and some is reported on an IRS Form 1099, and how that could affect their taxes.
Choosing your benefits	Earning Income 12-1a Research potential income and employee benefit packages that are likely to be offered to new employees by various companies, government agencies, or not-for-profit organizations. Earning Income 12-1b Explain why people should evaluate employee benefits in addition to wages and salaries when choosing between job and career opportunities.
401(k), 403(b) and IRAs	Earning Income 12-10c Explain the importance of participating in employer-sponsored retirement plans, when available, and contributing enough to qualify for the maximum employer match. Saving 12-6a Explain how traditional IRAs (individual retirement accounts), Roth IRAs, and education savings accounts provide incentives for people to save. Saving 12-7a Explain how an employer match of employee contributions to its retirement plan provides an incentive for employees to save.
Index funds and fees	Investing 12-7b Compare the expense ratios for several mutual funds.
Self-employment taxes	Earning Income 12-11a Evaluate the benefits and costs of gig employment, such as driving for a cab or delivery service.
Your first budget in 20 minutes	Spending 12-1a Identify their short-term and long-term financial goals. Spending 12-1b Develop a budget to allocate current income to necessary and desired spending, including estimates for both fixed and variable expenses.
Opening your first bank account	Saving 12-2a Select a preferred location for a savings account based on comparison of interest rates and fees at different types of financial institutions.
Checking vs. savings, and why you want both	Saving 12-1a Compare the features of regular savings accounts, money market accounts, and CDs.
Automating your savings	Saving 12-9d Explain how the saving strategy “pay yourself first” can help people achieve their saving goals.
How credit scores work	Managing Credit 12-8a Identify the main factors that are included in credit score calculations.
Reading your credit report	Managing Credit 12-7c Explain how a person can get a free copy of their credit report and why this is advisable.
Disputing errors on your report	Managing Credit 12-7d Outline the process of disputing inaccurate credit report information.
Your first credit card	Managing Credit 12-1a Describe how credit card grace periods, methods of interest calculation, and fees affect borrowing costs. Managing Credit 12-8c Recommend ways that a person can increase their credit score.
APR and interest in plain English	Managing Credit 12-1a Describe how credit card grace periods, methods of interest calculation, and fees affect borrowing costs.
Payday loans and other expensive traps	Managing Credit 12-13c Explain how using payday loans can cause a cycle of debt.
Debt collectors: your rights	Managing Credit 12-10b Identify sources of assistance with debt management.
FAFSA, step by step	Managing Credit 12-4b Explain the role the FAFSA plays in applying for college financial aid.
Reading a financial aid offer	Managing Credit 12-4a Describe the different sources of funding for postsecondary education.
Scholarships and scholarship scams	Managing Credit 12-4c Identify scholarships and grants for which they are eligible.
Federal student loans, explained	Managing Credit 12-5a Compare federal and private student loans based on interest rates, repayment rules, and other characteristics. Managing Credit 12-5b Describe the process of applying for a student loan.
Student loan repayment plans	Managing Credit 12-5d Predict the potential consequences of deferred payment of student loans.
College, trade school or work: choosing a path	Earning Income 12-3a Evaluate the costs and benefits of investing in additional education or training. Earning Income 12-3c Compare earnings and unemployment rates by level of education and training.
Apprenticeships	Earning Income 12-3a Evaluate the costs and benefits of investing in additional education or training.
Can I afford to move out?	Spending 12-6a Identify financial and personal reasons that younger adults often choose to rent a home instead of buying.
Your first lease	Spending 12-6c Define key rental contract terminology, including lease term, security deposit, grace period, and eviction.
Renters insurance	Managing Risk 12-7c Identify factors that influence the cost of renter’s insurance and homeowners’ insurance.
Auto insurance basics	Managing Risk 12-3b Discuss why most states mandate auto liability coverage.
Health insurance options	Managing Risk 12-5a Discuss the advantages of obtaining health insurance coverage through an employer plan versus buying private insurance or being uninsured.
Premiums, deductibles and out-of-pocket maximums	Managing Risk 12-5a Discuss the advantages of obtaining health insurance coverage through an employer plan versus buying private insurance or being uninsured.
Buying a car without getting taken	Spending 12-3a Explain the factors to evaluate when buying a durable good.
Spotting a scam text or call	Spending 12-8c Investigate common types of consumer fraud and unfair or deceptive business practices, including online scams, phone solicitations, and redlining.
What to do if you got scammed	Spending 12-8d Make recommendations for sources of help for consumers who have experienced fraud.
Spotting IRS scams	Spending 12-8c Investigate common types of consumer fraud and unfair or deceptive business practices, including online scams, phone solicitations, and redlining.
Job scams and how to spot them	Spending 12-8c Investigate common types of consumer fraud and unfair or deceptive business practices, including online scams, phone solicitations, and redlining.
Freezing your credit	Managing Risk 12-11c Recommend strategies to reduce the risk of identity theft and financial fraud.
Recovering from identity theft	Managing Risk 12-11d Explain the steps an identity theft victim should take to limit losses and restore personal security.
Grocery shopping and five cheap meals	Spending 12-3b Analyze the cost and features of three competing products or services. Spending 12-5a Explain how pre-purchase research encourages consumers to avoid impulse buying.
Setting up utilities and internet	Spending 12-5b Brainstorm consumer research strategies and resources to use when making purchase decisions.
Small claims court basics	Spending 12-8d Make recommendations for sources of help for consumers who have experienced fraud.
Finding your first job	Earning Income 12-1a Research potential income and employee benefit packages that are likely to be offered to new employees by various companies, government agencies, or not-for-profit organizations.

The basics

Free, with no signup. Students don't need an account or an email address.
No ads and no tracking. There are no ads, affiliate links or analytics. Videos load from YouTube only when someone presses play, and every lesson works without its video.
Videos. From government agencies, nonprofits, universities, hospitals, public media and respected creators, each with a badge saying which. We check every video against our steps and add a heads-up note where it differs. Safety lessons get a new video instead of a note, and mental health lessons have no sponsor reads. Creators get credit, nothing loads until you press play, and we never re-host a video. See our video rules.
Sourced. Every lesson cites at least three sources, almost all from government agencies, established nonprofits, universities and independent publishers. The few company or industry sources are labeled. Each lesson shows the date it was last checked. See how we write.
Accessible. Built to meet WCAG 2.2 AA, with keyboard and screen reader support and diagrams that have text descriptions. See the accessibility statement.

Linking and printing

Every lesson has a permanent address. Everything, A to Z lists every lesson on one page. Every lesson prints as a clean handout: the navigation, video and buttons drop out, and the sources and web address stay. Every lesson also has a one-page printable card you can print or download as a PDF, and there are a few keep-it-handy cards, plus phone scripts for role-play.

Found a problem?

See the corrections page. Every fix is logged there with the date.