For Florida families and classrooms
Florida writes financial literacy into its social studies standards as its own strand, with six areas: Earning Income, Buying Goods and Services, Saving, Using Credit, Financial Investing, and Protecting and Insuring. In elementary school that strand appears in exactly one grade, fourth (SS.4.FL). Then it does not appear again until eighth.
Networthy is a full personal finance course for ages 8 to 12, which is the window on either side of that single year. It picks up all six of Florida's fourth grade areas and keeps going.
Networthy is building the full K-5 arc. The Grade 5 course is complete and available now. Grades K-4 are coming next.
The free lesson needs a parent's email address. No account, no card.
Already bought it? Enter the course here.
Five of Florida's six fourth grade Financial Literacy standards are taught in full. The sixth is partial, and we would rather say so than round up.
| Florida standard | Where in Networthy |
|---|---|
| SS.4.FL.1 Earning Income | Unit 2: three sources of kid money, four ways workers get paid, gross versus net, and the four taxes: income and payroll on a pay stub, sales tax on a real receipt, property tax on a home. Unit 8 adds profit and the risk an entrepreneur takes. |
| SS.4.FL.2 Buying Goods and Services | Units 1 and 3: the One-Cart Rule (opportunity cost you can feel), the Sleep-On-It Rule, the four ad tricks, and the unit-price check that beats the ad. |
| SS.4.FL.3 Saving | Unit 4: pay yourself first, where saved money can live, savings goals, and the First-vs-Last race, identical money, $24 against $2, with only the order changed. |
| SS.4.FL.4 Using Credit | Unit 6: interest is the price the borrower pays, taught as the three numbers of every loan, plus the Trust Meter for creditworthiness. |
| SS.4.FL.5 Financial Investing | Partial. Unit 4 teaches that saved money can be put to work and grow over time, with compound interest and the trade between risk and return. It does not yet teach stocks as financial assets, which is the second half of this standard. |
| SS.4.FL.6 Protecting and Insuring | Unit 7: risk as the chance of loss, insurance as a shared pot with a premium, the three scam buttons, and saving ahead for the unexpected. |
Want the benchmark-by-benchmark version, all 28 of them? Email us and we will send it. Teaching in a classroom? Ask for the teacher materials in the same message: in-class alternates for every family mission plus per-unit parent guides.
Curriculum and instructional materials are an eligible expense under Florida's Personalized Education Program (PEP) and the Family Empowerment Scholarship for Unique Abilities (FES-UA), both administered by Step Up For Students.
You do not have to wait for us. Florida families on a reimbursement-eligible account can buy the course directly today, $79 for the whole household, no subscription, and submit the receipt through their Step Up account as an instructional materials expense. Keep the confirmation email; it lists the product, the date and the amount.
Step Up has reviewed Networthy and placed us in their seller onboarding queue. They are moving to a new marketplace platform, so there is no date attached to that yet. It does not change anything for you: reimbursement works today.
Step Up's own PEP Purchasing Guide is the place to confirm what your account covers before you buy. Questions about using program funds? Email hello@networthykids.com and we will answer honestly, including when the answer is not yet.
Networthy is not affiliated with Step Up For Students or the Florida Department of Education. Eligibility rules and reimbursement procedures are set by the program, and families should confirm current requirements in their own account before purchasing.
Here is the course that gives your kid all of it, and the years around it.
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