Junior Achievement's $ave, USA programs provide educators and parents with tools for discussing money-management issues with their students and children. JA $ave, USA is a series of three 60-minute lessons for educators and twelve short lessons for parents designed specifically to help students develop higher levels of personal financial understanding.

The program was first released in April 2009 to commemorate Financial Literacy Month, and new lessons have been released in both April 2010 and April 2011. Follow the links below to download the elementary, middle, and high school curriculums for free.


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2011 Curriculum

Elementary School
Educator Version
Middle School
Educator Version
High School
Educator Version
Elementary School
Parent Version

Including:
Savvy Shopping and Saving
The Legendary Lemonade Stand
Greater Than or Less Than
Counting Coins
Middle School
Parent Version

Including:
Checks and Balances
Job Match
Currency Security
Converting Currency
High School
Parent Version

Including:
The Cost of a Car
Payday Loan Pitfalls
Taking Stock of Your Options
Earn Interest on Interest

2010 Curriculum

Elementary School
Educator Version
Middle School
Educator Version
High School
Educator Version
Elementary School
Parent Version

Including:
The Value of Money
Protecting Finances from Identity Theft
Impulse Control in Budgeting
Job Choices
Middle School
Parent Version

Including:
Job Videos and Career Clusters
Safe Social Networking
Pre-Paid Credit Cards
Analyzing Sales and Advertising Methods
High School
Parent Version

Including:
Personal Finances for High School Seniors
Buyer Beware - Avoiding Scams and Frauds
Resources for Planning Ahead for College
Financial Decisions In Buying a Car
Money Management
Action Plan

2009 Curriculum

Elementary School
Educator Version
Middle School
Educator Version
High School
Educator Version
Elementary School
Parent Version

Including:
Smart Shopping & Recognizing Scams
Income
Budgeting
Compound Interest
Middle School
Parent Version

Including:
Investments and Stock Market
Taxes
Saving and Income
Interest
High School
Parent Version

Including:
College Financial Planning
Credit
Budgeting
Insurance