For Districts – Financial Literacy For Kid$

Financial Literacy For Kid$

Inform. Inspire. Involve. Invest!™

The Academic Crisis — Why FL4KID$ Exists

California students need real intervention now.

2025 CAASPP data confirms a persistent achievement gap falling hardest on Black and Latino students.

🌁 Oakland Unified — CAASPP 2025

ELA Proficiency

Black Students

~19%

Latino Students

~23%

All OUSD Students

34%

Math Proficiency

Black Students

~12%

Latino Students

~16%

All OUSD Students

27%

80%+

of Black & Latino students in Oakland are below grade level in both ELA and Math (CAASPP 2025)

Source: CA Dept. of Education, CAASPP 2024–25

🌉 San Francisco Unified — CAASPP 2025

ELA Proficiency

Black Students

~22%

Latino Students

~30%

All SFUSD Students

53%

Math Proficiency

Black Students

~14%

Latino Students

~21%

All SFUSD Students

46%

~78%

of Black students in San FranciscoUSD are below grade level in Math (CAASPP 2025)

Source: CA Dept. of Education, CAASPP 2024–25

📊 California Statewide — CAASPP 2025

Black Students

0 %

ELA Proficient

Black Students

0 %

Math Proficient

Latino Students

0 %

ELA Proficient

Latino Students

0 %

Math Proficient

Source: EdTrust-West / CA Dept. of Education, CAASPP 2024–25

🇺🇸 National — NAEP 2024 (Nation's Report Card)

4th Grade Reading

0 %

Proficient or Above

8th Grade Reading

0 %

Proficient or Above

4th Grade Math

0 %

Proficient or Above

8th Grade Math

0 %

Proficient or Above

Source: U.S. Dept. of Education, NCES, NAEP 2024

FL4KID$ connects math to real money — and the results show it.

Our 10-week in-class programs make math relevant, engaging, and tied to wealth-building.

The Research Is In

Financial Literacy doesn't just teach money. It unlocks learning.

Studies consistently show that students enrolled in Financial Literacy programs demonstrate measurable gains in reading comprehension, math proficiency, and overall academic engagement — not just financial knowledge.

Math Score Improvement

+ 0 %

Students in Financial Literacy programs showed significantly higher math proficiency gains compared to peers — because budgeting, investing, and interest calculations make abstract math concrete and relevant.

Source: Journal of Financial Counseling and Planning

Reading Comprehension Gains

+ 0 %

Real-world financial texts — budgets, loan agreements, investment reports — require close reading and critical thinking. Students who practice Financial Literacy develop stronger comprehension across all subjects.

Source: NBER Working Paper on Financial Education

More Likely to Stay Engaged

0 x

Research from NGPF and the Council for Economic Education found students in Financial Literacy courses are twice as likely to report high classroom engagement — a leading predictor of attendance, grades, and graduation rates.

Source: NGPF / Council for Economic Education

📚 What the Research Shows

✓ A 2023 Stanford study found that students who participated in applied financial education programs showed a statistically significant improvement in standardized math scores within one academic year.

✓ The FINRA Foundation’s National Financial Capability Study found financially educated students score higher on reading assessments — connecting financial vocabulary to broader literacy development.

✓
The Jump$tart Coalition reports that schools offering Financial Literacy see reduced absenteeism and higher student motivation — particularly among Title I student populations.

✓
California’s own CAASPP data confirms the achievement gap is widest in math — and Financial Literacy’s real-world math context is proven to be one of the most effective interventions for closing it.

FL4KID$ is the only Bay Area program combining Financial Literacy with proven academic outcomes — and 8× championship-level student performance.

With California AB 2927 requires all California high schools to offer a personal finance course beginning 2027–28, with it becoming a graduation requirement for the Class of 2030–31. The districts building this foundation in elementary school today will be years ahead. FL4KID$ gives your students a running start.

IN-SCHOOL ENRICHMENT

Real-World Financial Learning During the School Day

Engaging, hands-on financial literacy, investing, and entrepreneurship programs delivered during the school day.

🌟

Flexible Scheduling

Multi-week programs built around your school schedule.

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School-Aligned

Supports financial literacy, college & career readiness, and student leadership.

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Turnkey Support

FL4KID$ provides the curriculum, supplies, and experienced mentors. Schools provide students and classroom space.

From Students & Families

Real voices. Real change.

California students and their families share what FL4KID$ programs mean to them.

“Before FL4KID$, I thought investing was only for rich adults. Now I know it’s how regular people build wealth — and I want to teach others what I’ve learned.”

🧑🏾

Jordan M.

Age 15 · Student · Oakland Unified School District

“The Kidpreneur Fair was the best school day ever. I made $47 selling bracelets — then donated $10 to our food drive. FL4KID$ showed me money is a tool, not just a reward.”

🧑🏾

Amara S.

Age 13 · Student · San Francisco Unified School District

“My son came home from the bank visit and explained credit scores to me. I had no idea. This program doesn’t just teach kids — it reaches the whole family.”

🧑🏾

Diane V.

Parent · Oakland Unified School District

“I never thought I could pitch a business idea in front of people. Tiger Tank changed everything. I won — and now I actually believe I can be an entrepreneur.”

🧑🏾

Marco R.

Age 14 · Student · East Bay · Tiger Tank Winner

“Watching my daughter open her first savings account at 12 years old was one of the proudest moments of my life. FL4KID$ made it happen.”

🧑🏾

Terrence W.

Parent · San Francisco Unified School District

“The Virtual Stock Market Investing was the most exciting thing we’ve done in school. I learned more about math from tracking my portfolio than from any math class.”

🧑🏾

Sofia K.

Age 12 · San Francisco · Virtual Stock Market Investing

Ready to Empower Your Students?

10-week, in-class Financial Literacy programs with 45–60 minute weekly sessions—turning money knowledge into real-world skills.

California’s New Requirement

AB 2927 requires a personal finance course for California high school students beginning 2027–28, with the graduation requirement starting with the Class of 2030–31.

🏫 For School Districts & Administrators

Bring FL4KID$ to your district.

FL4KID$ partners with school districts, Title I schools, and after-school programs across California to deliver 10-week financial literacy programs that move the needle.

California AB 2927, signed June 29, 2024, requires all California high schools to offer a separate, stand-alone one-semester personal finance course beginning the 2027–28 school year. Completing that course becomes a graduation requirement for students in the Class of 2030–31. Districts that build the financial literacy foundation in elementary school will be years ahead of the mandate — and years ahead of the achievement gap. FL4KID$ gets you there.

Why Districts Choose FL4KID$

Proven impact. Zero curriculum burden.

We bring the complete program — curriculum, materials, instructors, and mentors. Your teachers observe and collaborate. Your students lead.

📊 Research-Backed Academic Outcomes

+13% Math Proficiency — Financial Literacy programs produce measurable math score gains by making abstract concepts real and applicable.

+18% Reading Comprehension — Financial texts develop critical reading skills that transfer across all subjects and grade levels.

2× Classroom Engagement — Students in Financial Literacy programs are twice as likely to report high engagement. (NGPF / Council for Economic Education)

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Complete Curriculum

Six 10-hour courses — fully developed and ready to deploy.

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Proven Results

91% of students report increased financial confidence. 8× Virtual Stock Market Investing champions.

✅

Standards-Aligned

Aligned with Common Core math standards, California Financial Literacy guidelines, and NGPF framework.

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Title I Eligible

FL4KID$ programs qualify for Title I, ELOP, and 21st CCLC after-school funding — meaning many districts pay $0 out of pocket. We provide all required documentation and grant letters.

🤝

Bay Area Mentors Included

Every program includes professional Bay Area mentors from finance, tech, and business — at no additional cost.

📊

Data & Reporting

Pre/post assessments, student progress reports, and district-level outcome summaries provided at program close.

Multi-School Pricing

Bigger district. Bigger savings.

FL4KID$ rewards district-wide partnerships with volume discounts — the more schools you bring in, the more you save.

Starter

🏫

3–5 Schools

5%

Off Total Program Cost

Perfect for small district pilots. Most schools qualify for Title I or 21st CCLC funding — meaning your net cost is often $0.

District

🏙️

6–10 Schools

10%

Off Total Program Cost

Ideal for district-wide commitments. Single invoice, district PO accepted, and full AB 2927 alignment documentation provided.

Enterprise

🌐

11+ Schools

Custom

Quote Available

For county offices of education and large districts. Custom pricing, dedicated program manager, and full reporting suite included.

Implementation

Getting started is simple.

📋

Discovery Call

A 30-minute conversation to understand your school's goals, grade levels, and scheduling needs.

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Program Design

We tailor the program sequence, mentor assignments, and field visit schedule to your calendar.

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Launch

FL4KID$ instructors and mentors arrive ready to teach. Zero prep burden for your teachers.

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Impact Report

At program close, receive a full student outcomes report, testimonials, and renewal options.

Grant & Funding Opportunities

Eligible Funding Sources

What FL4KID$ Provides

Ready to partner with FL4KID$?

Let's build Financial Literacy into your district — one classroom at a time.