Diving Deeper Into Financial Literacy — Page 8

A parent's guide to scholarships for high school students: what to do by grade, where the money actually comes from, and how to spot a scholarship scam.

A teen needs earned income to fund a Roth IRA. What a parent does as custodian, the contribution rules, and when it makes sense.

529 vs custodial account (UTMA/UGMA): who owns the money, what it can pay for, and how each affects financial aid. Many families use both.

What actually builds a teen's credit: the mechanics behind a score, honest on-ramp trade-offs, and how to practice the reasoning first.

Do teenagers pay taxes on their first paycheck? Here's what gross pay, FICA, and a W-4 actually mean, and why your teen may still need to file.

A good financial literacy program for parents to use at home needs a sequence, real practice, and a way to check it landed. Here's how to build one.

A homeschool personal finance curriculum needs more than worksheets: what standards-aligned means, how much time it takes, and how to grade it for credit.

A teen allowance works best as a structure, not a number: how to split spend, save, and invest, and when to shift a teen toward earned income instead.

The state of financial literacy education in 2026: 30 states now require personal finance, yet measured literacy keeps sliding. Where the field stands.

Why a financial literacy competition for high school motivates students: the psychology of stakes, purpose, and belonging, plus how to compete well.

Teach a homeschool personal finance course with a stock market simulator: a self-paced plan, grading, and transcript credit tips.

A ready-to-use menu of Financial Literacy Month classroom activities for April, several powered by a live investing simulator. Drop them into class.