Illinois

The Financial Game Plan for Kids is designed to grow with students, introducing real-world money skills in ways that match their grade level and curiosity.

*Kindergarten – Choices & Scarcity
Students explore how we can’t always get everything we want at the same time, and how making choices means giving up one thing to have another. We use relatable examples (like snacks, toys, and activities) to help them see how scarcity shapes decisions.

*Grade 1 – Income from Work
Kids learn that money is earned by working and that different jobs earn different amounts. They connect jobs to the skills needed and imagine ways they might earn money now and in the future.

*Grade 2 – No Explicit Standard
Although Illinois doesn’t list a formal Grade 2 standard, our program builds on K–1 concepts with lessons on setting small savings goals, deciding between needs and wants, and tracking simple money plans.

Grade 3 – Role of Banks & Borrowing
Students discover how banks help people keep their money safe, how borrowing works, and why repayment matters. We introduce the idea that borrowing can be helpful when used wisely and planned for.

Grade 4 – Spending Influences & Income Use
Students examine the different ways people choose to use their income, including saving, spending, and paying taxes. They also explore how advertising, peer influence, and personal goals affect spending choices.

Grade 5 – Interest & Income Allocation
Kids learn that money in savings accounts can earn interest, and that people decide how to divide their income between needs, wants, savings, and sharing. They practice making simple plans for dividing up income.

By gradually building these skills from kindergarten through fifth grade, students gain the confidence and know-how to make smart money choices that grow with them into their teen and adult years.