FDIC: Money Smart for Adults

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The newly updated Money Smart for Adults instructor-led curriculum provides participants with practical knowledge, skills-building opportunities, and resources they can use to manage their finances with confidence. Instructors can use it to deliver unbiased, relevant, and accurate financial education whether they are new to training or experienced trainers.

The curriculum consists of 14 modules that cover basic financial topics. Each module guides you on what to say and do. The materials are available for immediate download below, and on DVD at Money Smart – Teach – For Adults (catalog.fdic.gov).

If you are still using the 2010 version of Money Smart for Adults and need assistance, please contact us at communityaffairs@fdic.gov.

The 2018 Money Smart for Adults curriculum is currently available in English. Check back for other languages, Braille, and a self-paced version.



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You will find that Money Smart for Adults has:

  • Information that’s updated, relevant, and informed by research. For example, the curriculum features information and scenarios relevant to people with disabilities.

  • Segments that offer you options to make training relevant. The curriculum is divided into 14 modules, each on an important financial topic, that are subdivided into sections. Instructors can present the modules in any order or combination depending upon an audience’s interests and knowledge.

  • An emphasis on real-life skills and choices. Money Smart for Adults provides participants with practical knowledge and resources they can use to manage their finances.

  • Realistic scenarios. Short scenarios featuring consumers in a variety of financial situations provide opportunities to practice using financial knowledge and skills with confidence.

  • An expanded array of practical tools and resources. “Try It” activities give participants opportunities to practice what they learned in a variety of contexts. “Apply It” activities help participants apply what they have learned to their own lives, either during or after the training.
  • Key takeaways. A key takeaway sums up the most important message from each section.

  • A structure that makes it easy to select relevant materials. The curriculum has 14 modules, each on an important financial topic. The modules are subdivided into sections. Instructors can present the modules, and sections within modules, in any order or combination depending upon an audience’s interests and knowledge. The Guide to Presenting Money Smart for Adults includes roadmaps to help select relevant topics.

Tools to help you plan your training. Start by reviewing the Guide to Presenting Money Smart for Adults. It includes practical tips for planning, marketing, and delivering training. It also includes information to make training accessible and welcoming for everyone, including people with disabilities.

Each of the 14 Money Smart for Adults modules includes:

  • Instructor Guides that include what you need to prepare and deliver Money Smart training, including easy to follow cues, script, and interactive exercises.
  • PowerPoint Slides that can help you present training content in an engaging manner.
  • Participant Guides with tools and information that participants can use during your training and afterwards.

The curriculum also includes an Instructor Supplement: Scenarios for Financial Inclusion Supplement for Instructors/ Trainers, which provides four scenarios featuring individuals with disabilities thinking about financial decisions. Watch our video, Scenarios for Financial Inclusion Video, about the Supplement to learn more!


The Federal Deposit Insurance Corporation is prohibited from endorsing any specific organizations. Money Smart users must ensure that their publicity, advertisements, and public statements do not use the FDIC name or logo to imply that FDIC endorses their organization or its products or services.

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