Idea: Personal finance curriculum for schools | 6/27/25

Idea #4 of the week! Another idea that’s been bubbling up over the past few weeks.

Why don’t we have Personal Financial Literacy levels like we do with Reading Literacy levels??

In schools, there’s such a huge emphasis placed on “oh this student is in 5th grade reading at a 3rd grade level, so they need to catch up!”

But why don’t we have the same indicators of financial literacy?

I’ve seen courses, books, podcasts, videos on personal finance but nothing that I’ve come across so far that actually puts that altogether into explicit financial literacy levels.

The thing is personal financial literacy has 3 aspects to it - knowledge, actions, and mindset.

So it’s tougher to measure the financial literacy of someone. Just because they’ve aced a multiple choice test – theoretical knowledge – doesn’t mean their behaviors match – implementation.

I would like to create some sort of Financial Literacy Levels structure to actually determine where people are at.

Just because someone makes $250K/year doesn’t mean they have the financial knowledge or habits of someone who makes $60K/year. They could be making more but certain parts of their Financial Literacy would be lower.

1) Is there anything like this that already exists??

2) Would anyone actually use something like this??