Articles - Page 2 of 21 - PersonalFinanceLab

Time To Read:

2–3 minutes

When we think of personal finance, it’s easy to box it into one neat academic category: economics. But money—how we earn it, spend it, save it, and think about it—intersects with nearly every part of our lives. So why limit it to just one classroom?

By weaving personal finance into subjects across the curriculum, schools can prepare students not just to ace their tests, but to make smarter decisions in the real world. Here’s how personal finance naturally fits into the broader school experience:

🧮 Math: More Than Word Problems

Personal finance builds directly on the math students already learn. Calculating interest rates, budgeting expenses, comparing discounts, or understanding loan repayments—all of these bring math to life. Financial concepts make classroom math practical, helping students connect equations to real-world consequences.

📜 History: From Barter to Banking

The history of money tells us a lot about the evolution of society. Students can explore the barter system, the creation of currencies, the rise and fall of economies, and the impact of financial crises like the Great Depression. These topics show how money has always shaped—and been shaped by—human behavior and policy.

🌍 Geography: How Location Affects Wealth

Geography classes explore natural resources, trade routes, and economic disparities between regions. Adding a financial lens helps students understand how where you live affects access to jobs, housing, education, and more. It’s a natural fit that deepens geographic thinking.

🏛 Social Studies: Class, Privilege, and the Wealth Gap

Social studies invites students to think critically about systems, power, and fairness. Examining systemic poverty, wealth distribution, and the economic impact of public policy helps students see how financial systems affect lives—especially in marginalized communities.

❤️ Health: Health Is Wealth

There’s a strong connection between financial stability and overall well-being. In health class, students can explore how financial stress impacts mental health, how food choices are shaped by income, and why the cost of care is often a barrier. Financial literacy is key to understanding personal health.

💼 Business & Tech: Tools for the Real World

Business and tech classes are natural homes for deeper financial learning. Topics like taxes, credit, budgeting, and entrepreneurship give students a strong foundation for the workplace and beyond. It’s a great place to explore how money works in both traditional and digital economies.

🎨 Arts: Budgeting for Projects

Even creative classes can benefit from financial literacy. Whether managing the budget for a school play, purchasing materials for an art project, or exploring the economics of the music industry, students gain skills that help turn passion into sustainable practice.

🎓 Financial Literacy: A Skill for Every Student

Not every class needs to teach money management—but every student deserves to leave school with a basic understanding of how money works. By integrating personal finance across the curriculum, schools show students that financial literacy isn’t an add-on. It’s essential.

✅ Take the Next Step

Looking to bring personal finance into your entire school curriculum? Learn how PersonalFinanceLab supports cross-subject integration and helps students build real-world skills.

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View Our Lessons Library

Time To Read:

2–3 minutes

Many students are excited to earn their first paycheck, but it often comes as a surprise when that paycheck is smaller than expected. This is a great opportunity to introduce the topic of taxes in a way that feels relevant to their lives.

Why It’s Important for Students to Learn About Taxes

For many students, taxes can seem confusing and full of unfamiliar terms like “W-4” and “withholdings.” But learning about taxes early can help them feel more confident and better prepared when they start working.

By understanding the basics of taxes, students can:

Know what to expect on their paychecks
Avoid mistakes like underpaying or overpaying taxes
Learn how to file their own tax returns
Start building smart money habits

How PersonalFinanceLab Helps You Teach Taxes

First up, as students play through our Budgeting Game, they will see their tax withholdings on every paycheck.

Beyond the games themselves, we also provide interactive lessons and tools that make taxes easier for students to understand. You don’t need to be a tax expert to teach this topic. Our platform is designed to support teachers and guide students through real-world examples.

Try Our Interactive 1040 Simulation

One of our most helpful tools is the 1040 Tax Form Simulation. This lets students practice filling out a federal tax return in a simple, step-by-step format. It shows them how income, deductions, and refunds all connect.

Explore the Interactive 1040 Simulation

For shorter activities, we also have interactive “Hotspot” images you can share, for both a pay stub and the 1040 form. It gives students a clear breakdown of what each section means, using language they can understand.

Tips for Filing Your Taxes (Without the Stress)

Tips You Can Share With Your Students

Here are a few simple tips you can pass along to students filing taxes for the first time:

Use free filing tools. The IRS and tax software companies offer free or discounted versions for young adults and students.
Gather documents ahead of time. Encourage students to have their W-2s and other forms ready before they begin.
File online. E-filing is faster and more secure, and using direct deposit means students get their refunds quicker.
Ask for help. Remind students that parents, teachers, or VITA volunteers can offer support if needed.
Don’t wait until the last minute. Filing early helps avoid stress and delays.

Make Taxes Part of Real-World Learning

Understanding taxes is an important part of financial literacy. With the right tools, students can learn how taxes work and feel more confident when they start earning and managing their own money.

Explore More at PersonalFinanceLab
Visit PersonalFinanceLab.com to access our tax lessons and simulations. These resources are ready to use in your classroom and designed to help students build essential money skills.

Time To Read:

3–5 minutes

Financial literacy is more than a checklist of topics, it’s a lifelong skill that students must internalize through active engagement, decision-making, and reflection. At PersonalFinanceLab, we believe that the best way to teach financial concepts is by letting students live them — virtually, of course — in safe but realistic simulations that mirror the financial world they’ll enter after graduation.

We often get asked how PersonalFinanceLab compares to other platforms like Everfi®. While Everfi offers useful digital lessons across a wide range of topics, many of which are free for schools, the real question isn’t just what topics are covered, but how deeply students practice and retain what they’ve learned. And that’s where PersonalFinanceLab excels.

Core Philosophies: Passive Learning vs. Active Mastery

Everfi is built around bite-sized, self-contained modules that serve as great introductions to topics like budgeting, investing, and paying for college. These are designed to be completed quickly, often in a single sitting, with pre- and post-quizzes to gauge understanding. There is no doubt, it’s efficient and accessible.

However, at PersonalFinanceLab, our goal goes far beyond exposure. We’re focused on mastery through repeated practice. Our platform revolves around immersive simulations like the Budget Game and Stock Market Game, where students make dozens (sometimes hundreds) of financial decisions that mirror real life. From paying rent to juggling savings goals and surprise expenses, students experience what it really feels like to live on a budget.

Budgeting: Where Real Learning Happens

When students use Everfi to learn budgeting, they often walk through pre-scripted scenarios, these are helpful, but abstract. At PersonalFinanceLab, budgeting comes alive through our virtual year-long simulation. Students take on part-time jobs, pay bills, deal with emergencies, and see the direct impact of their decisions on key metrics like their Credit Score, Net Worth, and Quality of Life.

And teachers? They see those “lightbulb moments” happen when students realize, for example, how missing a payment hurts their credit, or how skipping savings one month sets them back later. This kind of sustained engagement is simply not possible in standalone modules.

Investing: From Vocabulary to Real-Time Markets

Everfi introduces students to the concepts of investing through static examples and multiple-choice questions. Students might analyze a fictional character’s portfolio and decide what stock “Dax” should buy. It’s a good way to explain diversification, sure — but students never actually feel invested.

PersonalFinanceLab’s Stock Market Game, by contrast, drops students into the real-world market. They manage their own portfolio using live market data, make their own trades, and use integrated research tools to analyze companies, just like a real brokerage. They see their rankings shift throughout the day, prompting questions, research, and genuine curiosity. It’s experiential learning at its best.

Curriculum Depth and Integration

Everfi boasts a wide range of standards-aligned modules, and we respect that. But at PersonalFinanceLab, we pair 300+ self-grading lessons with simulations that make every concept stick. Lessons on “Pay Yourself First” or “Diversification” are immediately applied in the games and students can even transfer funds from their Budget Game savings into their Stock Game portfolios. This seamless integration of curriculum and action is a major advantage for long-term skill building.

Teacher Tools: Customization that Works for You

One of the biggest differences? Control.

Everfi is plug-and-play, and that’s great when you need something quick. But it offers virtually no customization beyond choosing which modules to show students.

PersonalFinanceLab was built for teachers who want to be in charge of their classroom. You can customize everything: game settings, trading rules, types of securities, savings goals, interest rates, and even how students earn in-game rewards for completing assignments. You can decide exactly how long the games run, what students see, and how they’re assessed. Our pre/post testing works across the entire experience, not just per lesson, giving you a big-picture view of your students’ growth.

So, What’s the Bottom Line?

Everfi gives you a solid introduction to financial topics. If you need fast, free, and easy — it’s there.

But PersonalFinanceLab is the solution when you’re ready for students to go deeper, to practice skills over time, and to develop real financial habits before they leave your classroom.

Hands-on simulations that mirror real life
Real-time stock trading using real market data
Deep curriculum integration with assignments and assessments
Full customization to fit your classroom needs

When you want your students to not just learn about money, but to actually learn to manage it — PersonalFinanceLab is built for you.

Book A Demo

Request A Quote For Your School

PersonalFinanceLab is all about helping young people learn more about financial literacy, with our animated videos, budgeting game, and stock game working with our lesson library to bring learning to life.

To bring these concepts to life, our cast of characters has been showing up across our games, videos, and lessons for the last year. These characters have their own personalities and attitudes about money, which helps students see how financial concepts play out in the real world.

Model Portfolios for Financial Literacy Month

To help kick off our Financial Literacy Challenge for the 2025 Financial Literacy Month, we wanted to formally introduce our cast of characters. Each character has also put together their own portfolio for the Stock Game portion of the Challenge – and are happy to explain how and why they made their picks.

If your students are struggling to make their first trades, our cast can help! Each cast member has 3 ETFs or mutual funds in their portfolio, 4 stocks they bought, and 3 stocks they shorted. They all also share their reasoning of why each holding belongs in their portfolio – giving great rationale for students to refer to as they build their own portfolios!

Each of the Cast Members will appear in the Stock Game Rankings for the Financial Literacy Challenge, so students can see how they perform against each of these model portfolios!

Meet The Cast

Chet

Chet is a laid-back and carefree individual who lives in the moment, often prioritizing short-term pleasures over long-term consequences.

Learn More About Chet and See His Portfolio

Tia

Tia is a meticulous and analytical individual who thrives in the world of numbers and technology, always seeking to optimize her life. She could spend hours doing puzzles or complex math-based games.

Learn More About Tia and See Her Portfolio

Eric

Eric is a rugged and energetic handyman who thrives on action and competition, always looking for the next challenge or project to tackle with his hands-on skills and booming personality. He used to play football in school, and now plays recreational softball on weekends.

Learn More About Eric and See His Portfolio

Maggie

Maggie is a sentimental and practical individual who values stability and security, often prioritizing comfort and familiarity over adventure and risk.

Learn More About Maggie and See Her Portfolio

Esteban

Esteban is fascinated by space since he was a kid. He loves reading and writing science fiction, and his dry sense of humor is loved by his friends and classmates (and tolerated by his teachers). He effortlessly gets good grades.

Learn More About Esteban and See His Portfolio

Jesse

Jesse is a driven and resourceful individual who embodies the spirit of a true go-getter, always striving to achieve her goals and live life on her own terms. She is athletic and plays competitive volleyball.

Learn More About Jesse and See Her Portfolio

Ryan

Ryan is a charismatic and confident entrepreneur who effortlessly navigates the cutthroat world of high-stakes business deals with his quick wit, sharp instincts, and infectious charm.

Learn More About Ryan and See His Portfolio

Amira

Amira is a creative and empathetic individual who thrives in the world of art and self-expression, always seeking to inspire and uplift those around her.

Learn More About Amira and See Her Portfolio

We will be introducing students to the Cast throughout the challenge to help give tips, trading ideas, and help cement the core principles of financial literacy.

If you haven’t already encountered our Cast in our videos and mini-games, stay tuned as they make more appearances across our lessons and activities!

-The PFinLab Team

Ryan is a charismatic and confident entrepreneur who effortlessly navigates the cutthroat world of high-stakes business deals with his quick wit, sharp instincts, and infectious charm.

About Ryan

He can be described as:

Bold
Social
Business savvy
Isn’t afraid to be the “bad guy” in a business deal

His money habits are:

Tia is a master of budgeting and financial planning, always seeking to optimize her expenses and investments through clever life hacks and research.
She’s a fan of automating her finances, using apps and tools to streamline her savings and investments.
Tia is a bargain hunter, always on the lookout for deals and discounts.
She loves to buy and sell products on eBay.
She’s a firm believer in the power of compound interest, and is always looking for ways to maximize her savings and investments.

His goals and motivations are:

Tia’s short-term goal is to complete her education and become a certified math teacher, inspiring the next generation of math whizzes.
Her long-term goal is to create a comprehensive online resource for math education, providing accessible and engaging learning tools for students of all ages.
Tia has a secret love for competitive puzzle-solving, and often spends her free time solving complex math problems and brain teasers.

Ryan’s Investing Portfolio

Ryan’s investing portfolio is a mix of ETFs and stocks.

Ryan’s ETFs and Mutual Funds

ARK Innovation ETF (ARKK) – “This is all about disruptive technology. With my startup ambitions and drive to stay ahead of the curve in the tech world, this ETF would be a natural fit. It’s loaded with stocks that could revolutionize industries, like Tesla and CRISPR, which could give me both the high growth and excitement I’m looking for.”

SPDR S&P 500 ETF Trust (SPY) – “It’s hard to ignore the stability of the S&P 500. While I like to take risks, I’d still want a foundation of steady growth. This ETF gives me exposure to the top 500 companies in the U.S., and it’s a smart way to balance my portfolio while riding the growth of America’s leading businesses.”

VanEck Vectors Luxury Goods ETF (LUX) – “Given my weakness for luxury items—cars, watches, and suits—I’d definitely want to take advantage of the luxury goods market. This ETF focuses on global luxury brands like LVMH and Richemont. It’s a way to capitalize on a sector I’m personally invested in, while also diversifying my portfolio.”

Ryan’s Stocks

Tesla (TSLA) – “As someone who loves fast cars and thrives on disruption, Tesla would be a no-brainer. Elon Musk’s company is at the forefront of electric vehicles and renewable energy, and it has huge growth potential. Plus, owning a piece of Tesla would give me a front-row seat to the future of the automotive and energy sectors.”

Nvidia (NVDA) – “With my focus on tech innovation and the future, Nvidia’s position in the AI, gaming, and data center industries is exactly where I want to be. AI and machine learning are areas that I’d want to be heavily invested in, and Nvidia is a leader in this space with major upside potential as AI continues to take over.”

Square (SQ) – “As someone with business savvy, I’m always looking for innovative ways to disrupt traditional financial systems. Square, with its focus on simplifying payments and financial services for businesses, is a leader in fintech. With the continued rise of digital payments, Square is a stock I’d want to hold to capitalize on this booming sector.”

Ralph Lauren Corporation (RL) – “Ralph Lauren represents classic American luxury, offering high-end fashion, accessories, and home goods. The brand’s presence both in the U.S. and internationally makes it an appealing choice for me. Ralph Lauren’s ability to blend timeless style with modern luxury and its push into global markets make it a stock I want in my portfolio.”

Ryan’s Short-Sells

Netflix (NFLX) – “Netflix has been a leader in streaming, but the competitive landscape has become more intense, with services like Disney+, Amazon Prime Video, and HBO Max all making significant strides. Netflix’s reliance on increasing subscription prices while trying to fight off password sharing might lead to subscriber losses. Add to that the pressure from growing content costs and competition, and I’d consider shorting Netflix as it may face growth struggles in the future.”

Coinbase (COIN) – “The cryptocurrency market is notoriously volatile, and with recent regulatory challenges, I think Coinbase is facing an uphill battle. While crypto has its place, the uncertainty around regulations and market fluctuations make Coinbase a risky bet. I’d short-sell this stock, betting on the turbulence to weigh it down.”

Ryan Overall

Ryan has a focus on innovation and luxury – ventures that can be highly profitable, but can also be very risky. To keep himself grounded, he does keep the SPY ETF in his portfolio (giving him a wide, diversified base), but he might want to rebalance his portfolio quickly if bad economic news started making headlines.

Tia is a meticulous and analytical individual who thrives in the world of numbers and technology, always seeking to optimize her life. She could spend hours doing puzzles or complex math-based games.

About Tia

She can be described as:

Perfectionist
Analytical
Meticulous
Introverted
Reserved

Her money habits are:

Tia is a master of budgeting and financial planning, always seeking to optimize her expenses and investments through clever life hacks and research.
She’s a fan of automating her finances, using apps and tools to streamline her savings and investments.
Tia is a bargain hunter, always on the lookout for deals and discounts.
She loves to buy and sell products on eBay.
She’s a firm believer in the power of compound interest, and is always looking for ways to maximize her savings and investments.

Her goals and motivations are:

Tia’s short-term goal is to complete her education and become a certified math teacher, inspiring the next generation of math whizzes.
Her long-term goal is to create a comprehensive online resource for math education, providing accessible and engaging learning tools for students of all ages.
Tia has a secret love for competitive puzzle-solving, and often spends her free time solving complex math problems and brain teasers.

Tia’s Investing Portfolio

Tia’s investing portfolio is a mix of ETFs and stocks.

Tia’s ETFs and Mutual Funds

Invesco QQQ Trust (QQQ) – “Technology is the future, and I love the idea of investing in innovative companies that drive the tech world forward. QQQ gives me exposure to the NASDAQ-100, which includes major tech giants, and aligns with my interest in tech and optimizing things in the digital space.”

Vanguard Total Bond Market ETF (BND) – “I appreciate the idea of steady income and stability, so a bond ETF like this, which provides broad exposure to U.S. investment-grade bonds, sounds ideal. Bonds are generally less risky, and I value security in my investments, so this one fits my financial goals perfectly.”

iShares MSCI Emerging Markets ETF (EEM) – “I like to diversify my investments and take advantage of growth in emerging markets. EEM helps me achieve that, giving me exposure to developing economies that might offer higher growth potential over the long run.”

Tia’s Stocks

Apple (AAPL) – “I’m all about technology and innovation, and Apple is a leader in both. Their constant product upgrades and strong brand loyalty make it a solid long-term investment. Plus, with their consistent revenue and ability to generate cash flow, it aligns well with my strategy for steady growth and dividends.”

Microsoft (MSFT) – “Microsoft is another tech giant that I admire. Their focus on cloud computing and enterprise software is impressive, and I like how they’ve managed to adapt and stay relevant over time. The steady growth potential, coupled with a solid dividend, makes MSFT a perfect fit for my portfolio.”

Berkshire Hathaway (BRK.B) – “I value smart, long-term investing, and Berkshire Hathaway is the epitome of that philosophy. With Warren Buffett’s disciplined approach to value investing and the diversified nature of the company’s holdings, it’s an ideal stock for me to buy and hold for the long haul.”

Visa (V) – “Visa is one of the best stocks in the financial sector. I’m always looking for companies with strong competitive advantages, and Visa’s global network of payments and consistent profitability fit that bill. Plus, they benefit from the shift towards digital payments, which I believe will only grow.”

Tia’s Short-Sells

Tesla (TSLA) – “Tesla has experienced incredible growth, but I believe the stock is significantly overvalued at times, especially given the volatility and competition in the electric vehicle market. While Tesla is a leader, it faces increasing competition from both traditional automakers and new startups, which could impact its growth rate in the future. I am short selling because I believe the stock price is outpacing the fundamentals.”

Meta Platforms (META) – “Meta has been heavily investing in the Metaverse, but I’m skeptical about how quickly that market will develop. In the meantime, their core advertising business faces increasing competition, and regulatory pressures are growing. If I believe the stock is overestimating the potential of its long-term strategy, I’d consider short selling it, especially if the market sentiment shifts negatively.”

Tia Overall

Tia is focused on keeping diversified and making smart investments. Her holdings in QQQ (an ETF that focuses in NASDAQ, with a lot of tech stocks), Apple, and Microsoft give her a bit more risk with technology stocks, but she is somewhat offsetting this with her broad-range ETFs and other holdings.

Maggie is a sentimental and practical individual who values stability and security, often prioritizing comfort and familiarity over adventure and risk.

About Maggie

She can be described as:

Loyal
Helpful
Sentimental (keeping everything from old love letters to receipts from special occasions)
Frugal
Cautious
A bit of a pack rat

Her money habits are:

Maggie is a diligent saver, always setting aside a portion of her income for rainy days and long-term goals.
She’s not one to take risks with her money, preferring to stick with tried-and-true investments and savings strategies.
Maggie is good at living within her means, rarely splurging on big-ticket items or lavish expenses.
She’s always happy to lend a helping hand and is known for her thoughtful and practical gifts.

Her goals and motivations are:

Maggie’s short-term goal is to create a cozy and comfortable home for herself and her beloved cat, Luna.
Her long-term goal is to build a secure financial future, free from debt and financial stress.
Maggie is motivated by the desire to feel safe and stable, and to be able to help her friends and loved ones in times of need.
She loves to knit and make her own clothes, she’s craft and have made quilts, pillows, curtains and most of the cloth-based items in her home.

Maggie’s Investing Portfolio

Maggie’s investing portfolio is a mix of ETFs and stocks.

Maggie’s ETFs and Mutual Funds

Vanguard Dividend Appreciation ETF (VIG) – “I like the idea of companies with a strong history of increasing their dividends. This ETF is full of established, reliable companies that focus on steady growth. It fits with my cautious nature since it focuses on companies that are financially stable.”

Vanguard Total Bond Market ETF (BND) – “I appreciate the idea of steady income and stability, so a bond ETF like this, which provides broad exposure to U.S. investment-grade bonds, sounds ideal. Bonds are generally less risky, and I value security in my investments, so this one fits my financial goals perfectly.”

SPDR S&P 500 ETF (SPY) – “I’m not one to take crazy risks, but the S&P 500 is a solid, long-term performer. It’s a broad-market ETF that tracks the performance of 500 large companies in the U.S. This kind of stable, proven growth fits well with my long-term goals of financial security and building wealth for the future.”

Maggie’s Stocks

Procter & Gamble (PG) – “Procter & Gamble is a well-established company that provides everyday household products. It has a long history of paying dividends and is known for its strong brand presence and consistent earnings. I like that it’s a company I can rely on to stay steady, especially in times of economic uncertainty.”

Coca-Cola (KO) – “Coca-Cola has been a reliable stock for years. It’s a big name in the beverage industry and has a track record of consistent dividends. I prefer these types of stable companies that have stood the test of time. Plus, it’s one of those brands people trust, which makes it feel like a safe bet in my eyes.”

Johnson & Johnson (JNJ) – “This company is a solid, long-standing healthcare giant. It’s known for its stability, even during economic downturns. Johnson & Johnson also pays reliable dividends, which aligns with my preference for steady, predictable income. Plus, healthcare is a necessity, so I feel secure investing in it for the long haul.”

Walmart (WMT) – “Walmart is a giant in the retail sector and a company that has managed to adapt over time. It’s a consistent performer with a solid dividend history, making it a good choice for my strategy. Plus, in tough economic times, people still need to buy essentials, which adds a layer of stability to Walmart’s performance.”

Maggie’s Short-Sells

Tesla (TSLA) – “While Tesla has been a darling of the stock market for years, its volatility and the uncertainty surrounding its valuation make it a potential candidate for short-selling. The stock price has been extremely high compared to traditional valuation metrics, and there are risks related to its competition in the electric vehicle (EV) market, regulatory issues, and CEO Elon Musk’s unpredictable behavior. This could lead to a significant price correction, making it a potential short-sell pick for someone like me who’s more cautious and prefers stability.”

Meta Platforms (META) – “I’m wary of big tech companies like Meta because of their increasing regulatory scrutiny, privacy issues, and the growing backlash against their business practices. These challenges might negatively impact their long-term stability, and I’d consider short-selling their stock if I thought these problems would drive their value down over time.”

Maggie Overall

Maggie is not a risk-taker, and her portfolio shows it. She has a strong emphasis on broad-market ETFs and stocks that pay dividends – so she does not need to focus so much on the daily ups and downs of her portfolio.

Jesse is a driven and resourceful individual who embodies the spirit of a true go-getter, always striving to achieve her goals and live life on her own terms. She is athletic and plays competitive volleyball.

About Jesse

She can be described as:

Ambitious Practical
Health-conscious
Animal lover
Nature enthusiast
Calculated risk-taker

Her money habits are:

Jesse is a proactive and savvy investor, always on the lookout for opportunities to grow her wealth through calculated risks.
She’s a firm believer in living below her means, and is willing to make sacrifices in the short-term to achieve her long-term goals.
Jesse is a master of budgeting and financial planning, always staying on top of her expenses and investments.
She’s a fan of DIY projects and self-sufficiency, often taking on projects like gardening, canning, and repairing her own equipment to save money and reduce waste.

Her goals and motivations are:

Jesse’s short-term goal is to pay off her student loans and become debt-free within the next 5 years.
Her long-term goal is to achieve complete financial independence, allowing her to pursue her passions for health, fitness, and the great outdoors.
Jesse is motivated by the desire to be self-sufficient and free from financial stress, so she can spend her time doing what she loves – hiking, growing her own food, and caring for animals.

Jesse’s Investing Portfolio

Jesse’s investing portfolio is a mix of ETFs and stocks.

Jesse’s ETFs and Mutual Funds

Vanguard Total Stock Market ETF (VTI) – “This ETF provides broad exposure to the entire U.S. stock market, including small, mid, and large-cap stocks. I like this one because it’s a diversified, low-cost option that fits my long-term goal of wealth-building while minimizing risk.”

iShares MSCI Global Impact ETF (SDG) – “I’m passionate about sustainability and the environment, and this ETF invests in companies that are aligned with the UN’s Sustainable Development Goals. This would let me invest in companies that are focused on positive change, like those in renewable energy and health innovation.”

SPDR S&P 500 ETF (SPY) – “The S&P 500 has been historically a solid performer, and since I’m practical in my investment approach, I’d lean on this well-established fund for exposure to large-cap U.S. companies. It’s reliable, and I trust it will give me solid returns over time.”

Jesse’s Stocks

Peloton (PTON) – “Since I’m passionate about health and fitness, Peloton makes sense as a stock pick. The company is a leader in home fitness equipment and subscriptions, and with the ongoing trend toward health and wellness, I think it’s a strong contender for long-term growth in the fitness space.”

NextEra Energy (NEE) – “Renewable energy is something I’m really invested in, both personally and financially. NextEra Energy is one of the largest producers of wind and solar energy, and it’s a company that embodies the future of clean energy. This fits my value of sustainability and my interest in long-term, stable investments.”

Johnson & Johnson (JNJ) – “With my health-conscious mindset, I like the idea of investing in a company that focuses on healthcare products, medical devices, and pharmaceuticals. Johnson & Johnson is a stable, dividend-paying company that could provide steady returns while aligning with my values of improving overall well-being.”

Amazon (AMZN) – “Amazon is a no-brainer for me in terms of growth. It’s an e-commerce and cloud computing giant, and its influence continues to expand. While it’s a more traditional pick, I’d choose Amazon for its consistent growth potential, innovation in various sectors, and ability to adapt to market changes.”

Jesse’s Short-Sells

Carnival Corporation (CCL) – “Given the ongoing changes in the travel and hospitality industry, especially in the wake of the pandemic, I’d consider shorting Carnival. The cruise industry has been significantly impacted by health concerns, and the shift toward more sustainable travel options could put further pressure on this sector. With Carnival’s heavy reliance on cruise line revenue, I think it faces a challenging future, making it a potential short-sell candidate.”

GameStop (GME) – “GameStop is a prime example of a stock driven more by hype and speculative trading than actual business fundamentals. Although there was a brief meme-stock surge, I believe that GameStop’s business model is outdated in the face of digital gaming trends and the decline of physical retail. I’d short GameStop because I think its stock is overvalued and will likely see a correction as its underlying business struggles to adapt.”

Jesse Overall

Jesse’s portfolio is fairly diversified – with a big emphasis on broad-market ETFs. She is generally setting herself up for a longer-term outlook and (hopefully) slow, steady returns.

Esteban is fascinated by space since he was a kid. He loves reading and writing science fiction, and his dry sense of humor is loved by his friends and classmates (and tolerated by his teachers). He effortlessly gets good grades.

About Esteban

He can be described as:

Intelligent
Funny
Curious
Rebellious
Doesn’t care what people think of him
Loves to debate ideas/play Devil’s advocate

His money habits are:

Esteban early in life understood that money was a human construct.
He doesn’t believe in the fiat monetary system, and invested early in cryptos.
He’s not active trader, he just sees the future of money being decentralized.
He is a man of simple needs, so his bills are low and his time horizon long.

His goals and motivations are:

Esteban’s short-term goal is to write a bestselling science fiction novel that explores the possibilities of intergalactic travel.
His long-term goal is to become a renowned expert in astrophysics, making groundbreaking discoveries that push the boundaries of human understanding.
Esteban is motivated by his insatiable curiosity and desire to explore the unknown, be that space, forbidden topics or even his own thoughts.

Esteban’s Investing Portfolio

Esteban’s investing portfolio is a mix of ETFs and stocks.

Esteban’s ETFs and Mutual Funds

ARK Innovation ETF (ARKK) – “This fund is all about investing in disruptive technologies, and I’m all for that. It holds companies working on breakthroughs in areas like AI, space exploration, and blockchain, which is right up my alley. Plus, the future of tech is the future of everything, right?”

Grayscale Bitcoin Trust (GBTC) – “Since I believe in decentralized finance and cryptos, this trust that gives me exposure to Bitcoin fits perfectly with my money philosophy. I’m not an active trader, but I definitely believe Bitcoin is part of the future financial system.”

Vanguard Total World Stock ETF (VT) – “As a long-term thinker, I like broad exposure to the global stock market, and this one allows me to do that. It’s low-cost, and with my horizon being years down the line, it’s a solid pick for passive growth while I focus on my bigger goals.”

Esteban’s Stocks

Tesla (TSLA) – “Elon Musk’s vision for the future, from electric cars to space travel, aligns perfectly with my view of a future that’s powered by technology and innovation. Tesla is at the forefront of not only electric vehicles but also sustainable energy solutions and even space tech through SpaceX. It’s a company that blends the future of transportation with a dash of rebellion, which I totally vibe with.”

MicroStrategy (MSTR) – “I’m not just into the idea of cryptocurrencies; I believe they represent a fundamental shift in how money works. Since I prefer long-term holds over trading, I’d look at something like MicroStrategy, which holds a large Bitcoin position. I’m more into the philosophy of decentralized finance than trading for short-term gains.”

Nvidia (NVDA) – “AI, machine learning, and blockchain all depend on advanced graphics processing, and Nvidia is the company making the hardware for the next wave of these technologies. As a fan of disruptive technologies, Nvidia is a perfect match. Plus, its role in AI and gaming can power the future in ways that are hard to predict, but undeniably exciting.”

Palantir Technologies (PLTR) – “As someone who loves to debate ideas, play Devil’s advocate, and dive deep into understanding the world, Palantir’s work in data analysis and AI-driven decision-making would be an exciting area for me. The company focuses on gathering and analyzing massive amounts of data, which is crucial for everything from national security to understanding our universe on a deeper level.”

Esteban’s Short-Sells

GameStop (GME) – “While the meme-stock frenzy might have been fun for some, I’m not convinced GameStop has a sustainable future in the long term. The company is struggling with transitioning from physical stores to digital, and it’s competing with giants like Amazon and digital game platforms that are more suited for the future. Its stock price was inflated by hype rather than solid fundamentals, and I think it’s a risky bet for the long-term.”

AMC Entertainment (AMC) – “Similar to GameStop, AMC was caught in the meme-stock bubble, with its price driven up by retail investors rather than business fundamentals. Movie theaters face increasing competition from streaming platforms, and post-pandemic, the industry has been struggling. The shift in entertainment consumption habits, especially among younger generations, makes me skeptical that AMC will return to its glory days.”

Esteban Overall

Esteban’s head is in the clouds – literally. He has a strong focus on investments in space and cryptocurrencies – very lopsided in some very risky bets.

Eric is a rugged and energetic handyman who thrives on action and competition, always looking for the next challenge or project to tackle with his hands-on skills and booming personality. He used to play football in school, and now plays recreational softball on weekends.

About Eric

He can be described as:

Confident
Competitive
Hands-on
Energetic
Loud and boisterous
Creative

His money habits are:

His money habits are:
Eric is not naturally inclined to track his spending, and often relies on his partner or friends to keep him in check.
He’s prone to making impulse purchases, especially when it comes to sports equipment or tools for his next project.
However, as he gets older and wiser, Eric begins to take his financial future more seriously, seeking out advice and resources to help him achieve his long-term goals.
He’s willing to make sacrifices and put in the hard work necessary to build wealth and secure his financial future.

His goals and motivations are:

Eric’s short-term goal is to finish remodeling a vintage muscle car that he’s been working on for years.
His long-term goal is to retire a millionaire, with a dream of traveling the world and enjoying his golden years in style.
Eric has a tendency to dominate conversations with his loud voice and strong opinions, but he’s also a good listener and values his friends opinions.
Eric loves woodworking and handcrafting, and often spends his free time building furniture or fixing up old cars.

Eric’s Investing Portfolio

Eric’s investing portfolio is a mix of ETFs and stocks.

Eric’s ETFs and Mutual Funds

SPDR S&P 500 ETF (SPY) – “This one’s a classic. It’s a solid, broad-based investment in the stock market, which is perfect for my long-term goal of becoming a millionaire. I want to play it safe but still see good returns over time.”

Vanguard Consumer Discretionary ETF (VCR) – “Since I love tools, sports gear, and all things related to building and creating, this ETF focuses on companies that produce those types of goods. It’s a good way to get exposure to the consumer brands I love.“

iShares MSCI All Country World Index ETF (ACWI) – “Since I want to travel the world someday and enjoy my golden years, I’d like to diversify my investments globally. This ETF gives me exposure to international markets, and I’m all about securing my future no matter where the opportunities are.”

Eric’s Stocks

Tesla (TSLA) – “I’m all about innovation, and Tesla’s revolutionizing the automotive industry. Plus, I’ve always had a thing for cars—especially muscle cars. Tesla’s electric vehicles and their push toward a sustainable future resonate with my desire to build something great.”

Home Depot (HD) – “As a handyman, Home Depot’s the go-to place for tools, building materials, and DIY projects. Investing in a company I already love and frequent would make a lot of sense. It’s reliable and tied to my passion for creating and fixing things.”

Nike (NKE) – “I’ve always had a competitive edge, especially with sports, and Nike’s brand is synonymous with that. They’re not just about shoes; they represent strength, performance, and pushing yourself to the limit. Plus, I’m sure a lot of folks would agree—Nike’s one of those companies that never stops innovating.”

Caterpillar (CAT) – “I’m into things that are built to last, and Caterpillar’s heavy machinery and equipment are the epitome of that. Whether it’s construction, mining, or farming, Caterpillar’s equipment is essential for getting big projects done, and they’ve been a leader in the industry for years.”

Eric’s Short-Sells

General Electric (GE) – “GE has struggled to keep up with the times and maintain its status as a leader in the industrial sector. The company has faced leadership issues, restructuring, and a decline in its core business. I’d be skeptical about GE’s ability to make a strong comeback, so I am short selling this one.”

Macy’s (M) – “Retail’s been going through a lot of changes with the rise of e-commerce, and Macy’s, while still a household name, is struggling to adapt. With the shift to online shopping and changing consumer habits, Macy’s brick-and-mortar stores could face a tough road ahead. I’d short sell it because I don’t see it bouncing back as easily as other retailers that are embracing e-commerce fully.”

Eric Overall

Eric’s portfolio has a focus on broad-range (with his wide-net ETFs) and durable sustainability. His choice of Tesla can be seen as a bit riskier – but that is to help him reach his long-term goals.

Amira is a creative and empathetic individual who thrives in the world of art and self-expression, always seeking to inspire and uplift those around her.

About Amira

She can be described as:

Artistic
Empathetic
Free-spirited
Optimistic
Gentle soul

Her money habits are:

Amira is not particularly concerned with material wealth, and often prioritizes her artistic pursuits over financial gain.
She’s prone to splurging on art supplies and travel, but is also happy to live simply and within her means.
Amira believes in the power of abundance and manifestation, and trusts that her financial needs will be met as long as she stays true to her artistic vision.

Her goals and motivations are:

Amira’s short-term goal is to complete her latest art project, a series of paintings inspired by her travels around the world.
Her long-term goal is to open her own art studio, where she can teach and mentor young artists.
Amira is motivated by the desire to spread joy and positivity through her art, and to make a difference in her community.
Amira has a habit of talking to her paintings as if they were people, and often gets lost in her own creative world.
She’s a bit of a hopeless romantic, always believing in the best in people and situations.

Amira’s Investing Portfolio

Amira’s investing portfolio is a mix of ETFs and stocks.

Amira’s ETFs and Mutual Funds

iShares MSCI ACWI Low Carbon Target ETF (CRBN) – “I believe in the power of sustainability and want to make a positive impact on the environment. This ETF focuses on companies with lower carbon emissions, which aligns with my values of environmental consciousness and creating a better world for future generations.”

iShares Global Clean Energy ETF (ICLN) – “I feel deeply connected to the idea of clean energy and sustainability. This ETF invests in companies involved in renewable energy, like solar and wind, which speaks to my desire to support the future of sustainable technologies and protect the planet.”

YWCA Women’s Empowerment ETF (WOMN) – “I really appreciate the mission behind the YWCA Women’s Empowerment ETF (WOMN). It aligns with my desire to uplift others and make a positive impact in the world. The focus on women’s empowerment, gender equality, and social justice really resonates with me, especially because I believe in spreading joy and positivity.”

Amira’s Stocks

Etsy (ETSY) – “I love Etsy because it’s a platform that empowers independent artists, crafters, and creators like me to share our unique work with the world. It really resonates with my passion for creativity and supporting other artists who are following their own artistic visions.”

Adobe (ADBE) – “As an artist, Adobe is a brand I deeply admire. Their tools are essential for digital creators like myself, and I love how they empower people to express their creativity. Investing in Adobe feels like supporting a company that fuels the artistic process and encourages innovation in the creative world.”

Beyond Meat (BYND) – “I’m really drawn to Beyond Meat because of its commitment to sustainability and compassion. As someone who values ethical choices, I love that they are transforming the food industry by offering plant-based alternatives to meat. It aligns with my belief in supporting companies that prioritize the planet and promote healthier, more sustainable lifestyles.”

Amira’s Short-Sells

ExxonMobil (XOM) – “Given my strong commitment to sustainability and protecting the environment, I would likely consider short-selling ExxonMobil. The company’s heavy involvement in fossil fuels and the significant role it plays in climate change doesn’t align with my values. I’d rather support companies that prioritize the planet’s well-being over profit.”

Altria Group (MO) – “As someone who deeply values empathy and health, I’m not comfortable supporting a company like Altria, which is heavily invested in the tobacco industry. The health risks associated with smoking and the industry’s past of misleading advertising don’t align with my desire to promote well-being and social responsibility.”

Amira Overall

Amira’s portfolio is strongly based on her personal convictions and putting her money where her mouth is – not so much looking for a profit or short-term gains.

Chet is a laid-back and carefree individual who lives in the moment, often prioritizing short-term pleasures over long-term consequences.

About Chet

He can be described as:

Lazy
Impulsive
Fun-loving
Avid gamer
Loves instant gratification

His money habits are:

Chet is impulsive with his spending, often buying things online without thinking twice about the cost or whether he really needs them.
He has a hard time saving money, and rarely thinks about planning for the future or setting financial goals.
Chet loves to treat himself to new gadgets, video games, and other luxuries, even if it means going into debt.
He often relies on credit cards or loans to get by, and has a tendency to ignore his financial problems until they become too big to ignore.

His goals and motivations are:

Chet’s short-term goal is to level up in his favorite video game and beat his friends’ high scores.
His long-term goal is… well, he doesn’t really think that far ahead.
Chet is motivated by the desire to have fun and enjoy the present moment, without worrying too much about the future.

Chet’s Investing Portfolio

Chet’s investing portfolio is a mix of ETFs and stocks.

Chet’s ETFs and Mutual Funds

Invesco QQQ ETF (QQQ) – “I’m all about tech, and the QQQ tracks some of the biggest names in tech like Apple, Amazon, and Google. This is perfect for me since I love gadgets and gaming, and this ETF is packed with the companies behind them.”

VanEck Video Gaming and eSports ETF (ESPO) – “Since I’m a huge gamer, the ESPO ETF is right up my alley. It focuses on the gaming and eSports industries, so I can invest in the companies making the games and tech I love.”

SPDR Consumer Discretionary Select Sector ETF (XLY) – “I love treating myself to the latest gadgets, and the XLY ETF focuses on consumer-focused companies like Amazon and Tesla. It’s a good match for my spending habits, since it’s all about those fun, discretionary purchases.”

Chet’s Stocks

Electronic Arts (EA) – “Since I’m a huge gamer, I’d definitely go for Electronic Arts. They make some of my favorite games, like FIFA and Apex Legends, and they’re a major player in the gaming industry.”

Tesla (TSLA) – “I’ve always been fascinated by Tesla’s tech, and their electric cars are the future. Plus, they’re always coming up with cool new innovations. I’d buy Tesla because it’s exciting and a fun company to follow.”

Nvidia (NVDA) – “I’m all about gaming, and Nvidia makes some of the best graphics cards for gaming PCs. They’re at the top of their game in terms of tech and innovation, so investing in Nvidia just makes sense to me.”

Amazon (AMZN) – “I buy so many things on Amazon, and I know I’m not alone. They dominate e-commerce and are always innovating. I’d pick up Amazon stock because they’re not just about shopping—they’re into tech, cloud computing, and entertainment, which is all stuff I’m into.”

Chet’s Short-Sells

Pfizer – PFE – “I’m not really into investing in the big pharma industry. It feels too slow and conservative for me. I short-sell a stock like Pfizer, since they don’t excite me the way tech companies do. Plus, there’s a lot of volatility in the sector, so I bet against it.”

Macy’s – M – “I’m all about the convenience of online shopping, and I know a lot of people feel the same way. I short-sell a traditional retailer like Macy’s because their business model doesn’t match the way people are shopping these days. They’re too stuck in the past, and I don’t think they’ll keep up with e-commerce.”

Chet Overall

Chet’s portfolio has a lot of technology – focus on growth and consumer goods, but not very diversified. This means he can make big gains if the tech sector does well while he is investing, but is pretty risky if tech takes a downturn.

April is Financial Literacy Month, and we are celebrating with our 6th annual Spring Financial Literacy Challenge! It ran for the month of April, 2025

About The Challenge

The April Financial Literacy Challenge is our annual free world-wide budgeting and investing competition open to all K-12 schools. Students will be challenged to build and maintain a budget for a simulated year – 6 months as a college student with a part-time job, and 6 months as a freshly-graduated full-time worker. As students play through the budgeting game, they have the opportunity to transfer some of their savings to their Stock Game brokerage account to build up an investment portfolio and compete in the investing portion of the challenge!

This Year’s Winners

Outstanding Teacher Award

Students participating in their challenge also had the opportunity to nominate their teachers for an Outstanding Teacher Award, based on how much they brought financial literacy to life in the classroom. Here are this year’s recipients of of our Outstanding Teacher Award:

Caitlin Back – Stadium High School (WA)

I am nominated Mrs. Back because she has dedicated so much of her time into helping us understand finance much better. But she’s not just a great teacher, but also a friend. All the kids at this school know that they can go to Mrs. Back for just about anything. Tons of kids sit in her room during lunch because it is a place where we feel safe and comfortable. Mrs. Back has prevented me from making may financial mistakes, and I do not regret taking her class at all. She answers every question I have, which is a ton, and she does it happily. She has helped tons of kids get jobs, scholarships, internships, and so much more. You can tell she truly loves what she does, and you can tell that she cares about us as more than students. There are not enough words to explain how much Mrs. Back does for her students, and ones that aren’t hers as well. I knew just about nothing before I joined her class, This year I applied for a credit card while understanding all pros and cons, and did my own taxes for the first time! I’ve learned so much from this class, and from Mrs. Back, and I can’t wait to continue to do that!

Karen Decker – Seton LaSalle Catholic High School (PA)

Mrs. Decker is my Personal Finance teacher, and without her I would have never been prepared for my future in not only finance but in life. Her class is truly a Life 101, because it not only teaches about taxes, budgeting, investing, insurance, jobs, and so much more, but she also teaches how we can use that to better ourselves and society as a whole. Mrs. Decker makes the activities and lessons challenging, but in a fun and productive way so that we as a student may learn how to properly manage our finances and our careers effectively so that we may grow overall. Before Personal Finance with Mrs. Decker, I thought I was well educated in the world of finance, but I was very wrong. I had no clue that things ever existed like an W-4 or an I-9, or how to invest, or things such as the difference in taxes based on where you live; not only these things, but so much more. I would have never been as prepared for my life beyond High School if it wasn’t for the effectiveness of Mrs. Decker’s financial literacy that she implements into her classroom. Please consider nominating Karen Decker for this award!

Steven Soldi – The Brook Hill School (TX)

When I first walked into Mr. Soldi’s classroom, I was surprised at how he did not have textbooks, PowerPoints, or Canvas. I thought financial literacy was just about budgeting or balancing a checkbook, learned from watching videos on Canvas. I did not expect to walk out months later with a profound interest in finance, a deep understanding of investment principles, and most importantly, a sense of confidence in my ability to make wise decisions. Mr. Soldi has not only taught me the mechanics of money but has completely reshaped how I view my future. For that reason, I am nominating him as someone who has made an extraordinary impact in my life and in the lives of many others through this education.
Mr. Soldi does not just teach finance; rather, he lives it, breathes it, and communicates it in a way that feels urgent, practical, and empowering. He brings energy to topics that most students would otherwise find abstract or intimidating. Whether we were learning how to build a diversified investment portfolio or how credit scores affect our ability to make major purchases, Mr. Soldi always tied each concept back to the real world. His lessons were like preparation for life, which sets his class completely apart from the traditional setting classes.
One of the most impactful aspects of Mr. Soldi’s teaching was how he never handed us answers, but instead he gave us space to think. Instead of walking us through every step, he often just let me try things on my own, even if I did not fully know what I was doing at first. At first, that freedom felt overwhelming, but I quickly realized it was intentional. He created an environment where making mistakes was not failure, but rather part of the learning process. Whether we were building a budget, investigating the stock market, or starting a mock investment, Mr. Soldi would simply step back and let us explore. When I got stuck, he never gave me the answer outright. He would ask the right question or point me in a direction that helped me figure it out myself. Over time, that taught me to trust my instincts, solve problems independently, and approach challenges with confidence. He did not just teach me finance; he taught me the way to think.
Another powerful way Mr. Soldi shaped my understanding of financial literacy was by bringing in guest speakers who lived and breathed the subjects we were learning about. He connected us with people who had real-world experience: businessmen, financial advisors, real estate developers, CEOs, and former students who had successfully navigated financial challenges. They shared honest stories about failure, success, risk, and the lessons they learned along the way. Hearing directly from professionals gave us a perspective that no classroom lecture could replicate. It made everything feel real. Suddenly, I started feeling terms like “equity,” “diversification,” or “passive income” as strategies people actually used to build their lives. Mr. Soldi used these voices not only to inspire us but to show us that financial literacy was not some abstract concept. It was a tool we could use to shape our future, starting right now in his classroom.
Every day after school, I have seen him stay after class helping students who have been contemplating with fear of investment, schoolwork, political issues, or even life decisions. He dismantles that fear with patience, precision, and a lot of passion. He creates a safe environment where no attempt is “dumb” and every student feels encouraged to give it a try.
Thanks to Mr. Soldi, I have opened my eyes to finance, started my own investment portfolio, learned how to build a budget, and begun thinking critically about my career choices and their long-term financial implications. But even more importantly, I now carry a mindset of curiosity and caution. I have learned how to ask questions, seek reliable information, and avoid the many financial traps that young people often fall into.
Other teachers have prepared me for mere tricks to get through the exams. Mr. Soldi has prepared me for real life. While most teachers focused on delivering content, Mr. Soldi focused on transforming mindsets. He did not want us to memorize terms or follow formulas; he wanted us to understand how the world works and how we could take control of our place in it. In other classes, I was waiting for the bell, wanting to leave as soon as I could. In Mr. Soldi’s classes, I hated to hear the bell, wanting to stay after class and come visit. He challenged me to question everything, to think critically, and to take ownership of my future. He did not teach for the grade–he taught for life. That’s the difference: other teachers prepared me for school, but Mr. Soldi prepared me for the world.
His impact goes far beyond the classroom walls. Alumni and graduating students still come back to thank him for giving them the confidence on their instinct. Mr. Soldi’s reach is exponential, not because he preaches, but because he empowers. Every student who walks away from his class with new skills and stronger confidence is another person less likely to fall into financial despair and more likely to make informed, responsible decisions.
In a world where financial illiteracy can mean the difference between stability and hardship, Mr. Soldi is doing the work of a hero, quietly, consistently, and passionately, in the middle of a desert starved of financial literacy. Even though he does not seek recognition, he certainly deserves it. His dedication to financial education has shaped and will shape the futures of countless others. He is an ideal model of a teacher that possibly every teacher in the world should follow, and I can think of no one more deserving of this nomination than Mr. Soldi. Gift cards seem like miniscule gifts compared to what he has done, and he deserves much more.

Congratulations to all of the winners!

Schools with an active site license to PersonalFinanceLab will be invited to join our next National Competition this Fall, and all other schools will be invited to join our 7th annual Financial Literacy Month competition in April 2026!

-The PFinLab Team

Teachers – do you want to get full access to PersonalFinanceLab for your classes this Fall, including the ability to create your own sessions, dates, assignments, and settings? Request pricing from our sales team!

We hope you are as excited as we are, because we have some major updates for your classes this Spring!

From financial math and calculators, to comparison shopping games, to bug fixes and improvements, stay tuned to see what we have in store for your spring classes!

If you want to learn more about these new features, watch our webinar here!

Update 1: Comparison Shopping Mini-Game

First up is our new Comparison Shopping Mini-Game. We call it a “mini-game” because it is a short game added to our Personal Budgeting Game. Students can practice their comparison shopping skills every weekend of the game by choosing “Household Chores”.