You want your kids to understand money before the world teaches them the hard way. These four programs give your family a structured path, from first savings to first business.
What are Education & Training services?
Financial literacy is no longer a nice-to-have. It is a life skill, and families are looking for curricula that grow with their children. The market has responded with school programs, homeschool kits, and at-home activities. But not all programs are built for the whole family. Some focus on K-12 classrooms. Others target teens. A few try to bridge every stage, from kindergarten to retirement. That range matters. You need a program that meets your family where you are and stays useful as your kids grow. The four options below each take a different approach. Use this guide to find the one that fits your household.
What we looked at when researching Education & Training
We evaluated each program on four factors: curriculum scope, delivery format, pricing clarity, and family fit. Curriculum scope looks at whether the program covers basic money skills, credit, investing, and business. Delivery format considers whether lessons are video-based, printable, interactive, or live. Pricing clarity checks whether costs are upfront and easy to understand. Family fit asks whether the program works for multiple ages under one roof. Each program below stood out in different ways. Altazimuth Academy offers a single lifelong path for the whole family. FitMoney provides free, unbiased K-12 resources. MoneyTime delivers a self-guided online course for ages 10 to 15. The Council for Economic Education supports families with free activities and games. None is a one-size-fits-all answer. Your choice depends on your family's ages, learning style, and budget.
| Provider | Best For |
|---|---|
| FitMoney | Free K-12 classroom and home resources |
| Altazimuth Academy | Achieve Financial Goals Today | Whole-family lifelong curriculum |
| MoneyTime | Self-guided online course for ages 10-15 |
| Council for Economic Education | Free family activities and games |
A closer look at 4 standout Education & Training
#1 FitMoney
A screenshot of the FitMoney website.
FitMoney gives you free, unbiased financial literacy programs for K-12 students. You can access a game-based platform called $uperSquad for elementary learners. The organization also offers a K-12 curriculum with 5-6 courses per year and discussion guides for parents. Teachers and caregivers get separate portals, so you can use it in a classroom or at home. The program emphasizes starting early, before financial habits form. If you want a no-cost entry point with school-ready materials, this is a strong fit.
#2 Altazimuth Academy | Achieve Financial Goals Today
A screenshot of the Altazimuth Academy | Achieve Financial Goals Today website.
Altazimuth Academy builds one lifelong curriculum for your whole family. You get nine tracks that move from Money Smarts to Credit and Borrowing, Insurance, Tax, Investor Lab, World of Business, Reputation Capital, and beyond. Lessons are delivered through short videos, printable activities, and real conversations at home. The program covers kids in grades K-2 and 3-5, teens in grades 6-8 and 9-12, adults, and retirement. You pay a one-time enrollment fee of $1,499.99, and you can try a free full lesson before committing. If you want a single path that grows with every family member, this is the most comprehensive option on the list.
#3 MoneyTime
MoneyTime is an online financial literacy course for kids aged 10 to 15. It is self-guided, so your child can work through lessons independently. The program is used by over 1,500 schools and 130,000 students, and it includes lesson guides if you want to stay involved. You can use it for homeschool, as a parent, or as a teacher. The curriculum is aligned and interactive, with a focus on budgeting and smart decisions. If you have a tween or teen who learns well online, this is a practical choice.
#4 Council for Economic Education
A screenshot of the Council for Economic Education website.
The Council for Economic Education offers family financial education resources you can use at home. Their Family-At-Home Financial Fun Pack includes activities, games, worksheets, and suggested books for children and adults. You can also explore student programs like the National Economics Challenge and Invest in Girls. The organization provides free tools to help families learn together. If you want low-pressure, activity-based learning without a formal curriculum, this is a useful supplement.
How to choose the right Education & Training
Start with your family's ages. If you have young kids and want a free starting point, FitMoney or the Council for Economic Education can work. If you have a tween or teen who prefers screens, MoneyTime offers a focused online course. But if you want one program that serves every stage, from kindergarten to retirement, Altazimuth Academy is built for that. Consider your budget. Free resources are great for sampling. A one-time fee like $1,499.99 makes sense if you plan to use the curriculum for years across multiple children. Also think about your involvement. Some programs are self-guided. Others rely on family conversations. Pick the one that matches how your household actually learns.
Expert Conclusion
You do not need to overhaul your family's finances overnight. You need a system that grows with you. FitMoney and the Council for Economic Education give you free ways to start. MoneyTime gives your teen a structured online path. Altazimuth Academy gives your whole family one lifelong curriculum with nine tracks and a clear enrollment price. Try a free lesson where available. Then choose the program that fits your family's ages, learning style, and budget. The earlier you start, the more confident your kids will be with money.