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.
Benchmark by benchmark: 24 of Florida's 28 fourth grade Financial Literacy benchmarks are covered in full, 2 partially, and 2 are not covered. The crosswalk below lists every one, including the gaps.
| Florida standard | Where in Networthy |
|---|---|
| SS.4.FL.1 Earning Income | Unit 2: three sources of kid money, five 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 the entrepreneur, profit counted on the kid's own business, and the risk of paying the costs before anyone buys. |
| SS.4.FL.2 Buying Goods and Services | Units 1 and 3: the One-Cart Rule (opportunity cost you can feel), the Decision Grid, the Sleep-On-It Rule, four common techniques advertisers use, and how to compare unit prices. |
| SS.4.FL.3 Saving | Unit 4: what a savings goal needs, working out the monthly amount, setting it aside before the rest, where saved money can live, and the First-vs-Last table, which shows that deciding the amount first makes what you save predictable. |
| 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 defines risk, names the three things a person can do about it (accept it, avoid it, or reduce it), and teaches insurance as many families paying into one shared pot, plus the three buttons every scam pushes. Unit 4 saves ahead for surprises. |
The full Florida crosswalk maps the course against all 28 SS.4.FL benchmarks, one at a time, and says plainly which 4 are not a full match. Download the crosswalk (PDF), free, no email needed. Teaching in a classroom? Ask for the teacher materials: 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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