Help kids connect everyday money choices to the goals they care about.

Smart Money for Smart Kids from Smart Brown Girl introduces saving, spending, budgeting, and goal-setting through interactive activities and relatable scenarios. Designed for ages 8–12, this digital bundle pairs a student workbook with an educator guide to support learning at home, in classrooms, and in community programs.

The materials also explore Black economic history and community wealth, encouraging children to consider how ownership and economic opportunity affect families and neighborhoods.

What’s included

Student Workbook

Guided activities give young learners opportunities to practice money decisions and explain their reasoning. Inside, students explore saving toward a goal, balancing spending choices, and planning how to use available money. Reflection prompts connect these concepts to their own experiences.

Educator Guide

Companion teaching guidance supports adults as they work through the student activities. Lesson plans and discussion prompts help educators and caregivers introduce money concepts, encourage thoughtful conversations, and connect the workbook to everyday choices.

What kids will explore

• Saving, spending, budgeting, and setting financial goals.

• Everyday money scenarios that involve weighing options.

• How wealth develops over time.

• Black economic history and community ownership.

• How financial decisions can affect families and neighborhoods.

  
  

A clear approach to learning

The workbook follows a Learn, See, Try, Reflect sequence. Students encounter a concept, explore an example, practice applying it, and consider what they’ve learned. The educator guide supports instruction throughout this process and helps adults encourage children to explain their choices.

Who it’s for

Use this bundle for homeschool lessons, classroom instruction, after-school programs, learning pods, or family conversations about money. It’s designed for elementary and early middle school learners, with culturally relevant material that connects personal finance to community experiences.

Product details

• Included — Student Workbook and Educator Guide.

• Recommended ages — 8–12.

• Format — Two downloadable PDFs.

• Use — Print at home or school, or view on an iPad or tablet.

  
  

Give young learners a foundation for thinking through money decisions, with teaching support to help guide their learning.