For Utah families and classrooms

Utah Financial Literacy Curriculum for Elementary Students

Utah was the first state in the nation to require a stand-alone General Financial Literacy course for high school graduation. Below high school, Utah's elementary standards teach economics every year in grades K-2 (Social Studies Strand 4: needs and wants, work and earning, spending, saving, sharing, scarcity, and opportunity cost), and then the dedicated strand ends. Grades 3-6 carry economics only inside history units.

Networthy fills exactly those gap years: a full personal finance course for ages 8-12 that picks up every K-2 economics thread, extends it, and lands students at the required high school course prepared, six to seven years early.

Networthy is building the full K-5 arc. The Grade 5 course is complete and available now, a strong fit for students ages 8-12. Grades K-4 are coming next.

Try the first lesson free Get the course - $79

The free lesson needs a parent's email address. No account, no card.

Already bought it? Enter the course here.

Alignment with Utah's standards

Utah K-2 Economics (Strand 4): 9 of 11 standards covered in full, the other 2 substantially advanced, taught at the age when Utah's own dedicated economics instruction has ended. Kindergarten standard K.4.3 is literally "spending, saving, and sharing": Networthy's three buckets are Utah's three verbs.
Utah's required General Financial Literacy course: every one of its five strands has its foundation laid in this course, several in the same words Utah uses (GFL Strand 4 says "pay yourself first"; Networthy Lesson 7 teaches pay-yourself-first).
The Financial and Economic Literacy Passport: Networthy produces artifacts families can document: a signed Money Plan, a four-week money log, a business plan, and a 15-question before-and-after score.

The full Utah crosswalk maps the course lesson by lesson against the K-2 Economics standards and all five GFL strands. Download the crosswalk (PDF), free, no email needed. Teaching in a classroom? Email us for the teacher materials: in-class alternates for every family mission plus per-unit parent guides.

Paying with Utah Fits All Scholarship funds

Networthy's provider application for the Utah Fits All marketplace is submitted and under review. Once approved, Utah families will be able to purchase the course with scholarship funds in the curriculum category.

Until then: families buy directly ($79, whole household) and keep the receipt. Utah families in reimbursement-style programs such as OpenEd can purchase curriculum directly and submit the receipt as a pre-approved education expense. Questions about using program funds? Email hello@networthykids.com.

What's in the course

16 interactive digital lessons (10-15 minutes each), self-paced, in any browser, no student accounts and no logins
Printable activity kits and parent guides with a conversation starter for every unit
Real-money missions after every unit, ending in a capstone where the student runs a real tiny business
A 15-question pre/post assessment (the Networthy Score) that turns learning gain into a number
Also aligned to the 2021 National Standards for Personal Financial Education and Texas TEKS Math 5.10

Utah requires this course at 17.

Here's the head start at 10.

Try the first lesson free Get the course - $79