Wealthy Habitat for schools, on one page.

What it is. Two six week personal finance units for grades nine to twelve, twelve lessons, run from a website with no student accounts. Unit one is the first paycheck: the pay stub, the first hundred dollars, the first account, the first credit card, one month of breathing room, and the sure thing. Unit two is out on your own: the real cost of a first apartment, the W-4 and the April settle up, the first car by the numbers, the sticker price and the net price of school, what insurance is for, and the credit record and who reads it.

How a lesson runs. About twenty minutes: five to read a two paragraph lesson, two to type one practice number, five for an arithmetic check worked by hand and marked by the page, three for one real thing to find, five to talk from the plan's prompts. Every number a student types is a practice number and the page says so.

What is measured. Five arithmetic questions before the unit and the same five after, drawn for each student from a pool of ten in that student's own practice numbers, so no two neighbors share a paper. The teacher's screen shows each student's steps, checks, and both scores, and the class average. A printable certificate names what each student can now do.

Where it sits in the standards. By area of the Jump$tart Coalition's National Standards for Personal Financial Education: earning income, spending, saving, investing, managing credit, and managing risk, with the lesson plans page placing each lesson.

What is never collected. No student account, email, phone, photo, location, or real number. A roster holds a display name, a username, a code, progress, and the date of the last visit. Every student is treated as under thirteen for COPPA regardless of age; the school's consent stands for the parent's as the law allows for classroom use; the site acts as the school's service provider under FERPA. No ads, no trackers, no product, no sponsor. Every sentence a student reads was checked for advice language before it was published.

What it costs. $149 a class for the school year, up to 40 students. $999 a year for every class at one school. Districts from $4,000, quoted. Every class begins as a free test roster of 5 students. By card from the teacher page, or by purchase order and invoice with thirty day terms; a W-9 and vendor forms on request.

How to try it. A teacher makes a class at wealthyhabitat.com/teach, adds a test roster, and signs in as a student. The lesson plans are at wealthyhabitat.com/schools/lesson-plans. Questions to admin@wealthyhabitat.com.