I have been using Dave Ramsey’s Foundations in Personal Finance for Homeschool with my 9th grade son for a month.
Foundations in Personal Finance for Homeschool is a complete high school curriculum and meets standards and benchmarks in all 50 states. This homeschool edition has added scripture references that are not in the other editions of this curriculum. Foundations in Personal Finance for Homeschool sells for $119.99 for the set, with additional student texts available for $26.99.
Included in Foundations in Personal Finance for Homeschool are the paperback student text and a 6 cd-rom set. Five of the cds feature teaching delivered via video by Dave Ramsey and his team of experts. The 6th cd is Teacher’s Resources.

Dave Ramsey’s Foundations in Personal Finance for Homeschool Review
Foundations in Personal Finance for Homeschool consists of 4 units.
Saving and Budgeting
Credit and Debt
Financial Planning and Insurance
Income, Taxes, and Giving
Each unit has 3 chapters, with each chapter containing 3 sections, as well as a chapter summary. You can see the chapter titles, summaries, and see a sample chapter from Foundations in Personal Finance for Homeschool on the website.
The student text pages are not in full color, but rather in shades of gray. The chapter and section titles are in orange. The pages are not boring, though. The book is filled with graphs, charts, statistics, quotes, and scripture references. Each chapter has journal questions. The chapter summaries help reinforce what the student learned in that chapter.

The video lessons last anywhere from 3 minutes to 15 minutes. My son said he really liked the videos. The instructors use humor and real life stories to teach and reinforce principles of managing money. While watching the video lesson, students follow along using the student text. As the student is watching the lesson, they have to fill in the blank in their book. I like this, as it helps to insure that my son is paying attention to the video lesson.

The Teacher’s Resources CD contains over 150 pages and includes a getting started guide, forms & resources, assessments, a 90 day syllabus, and files for each of the 12 chapters. Each chapter’s file contains a fill-ins answer key, lesson plan, chapter summary answers, case studies, printable activity pages, tests and answer keys. The over 35 activity pages contain fun activities that reinforce what was learned in that chapter. Some activities are about learning statistics about money. For example, which country has the highest, and the lowest, percentage of saving money.

I love having the syllabus printed out. I can tell with just a glance what is needed for each day. It makes it easy to have the printables ready for each day when the student needs them.

You are able to print out as many copies of the assessments and activities as you need for your homeschool students from the cd. The student text, however, does not grant permission to copy pages. So you will need a student text for each of your students.
The only thing I didn’t like about this curriculum was that some of the activities were for the classroom, not the homeschool. For example, Candy Bar Madness, shown below, was designed to be used in the classroom, and is nearly impossible to replicate in the homeschool. This is something I think they need to improve. If they say this is for the homeschool, then all activities should be geared towards the homeschool setting.

There is another aspect to this curriculum that we have not used yet. There is a learning website available to the student that features calculators, tools and resources. We have not used Foundations U yet, but I have checked it out. The different calculators available look very helpful to the student. There are also articles to read, and the chapter activities for the course.
Overall, Dave Ramsey’s Foundations in Personal Finance for Homeschool is a great curriculum for teaching homeschool students all aspects of personal finance. From learning about world currency and the world financial market to the history of credit in America to saving their own money & managing a checking account and their own credit.
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“Disclosure (in accordance with the FTC’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising”):Choice of winners and opinions are 100% my own and NOT influenced by monetary compensation. I did receive a sample of the product in exchange for this review and post.













