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Curriculum / Third Grade

Money Builders · Grades 3–5

Third Grade Financial Literacy Curriculum

Third graders are ready to stop learning about money and start managing it.

With concrete, logical thinking now online, third graders grasp purchasing power — that a single dollar represents choices. Our third grade financial literacy curriculum moves from stories into systems: the many ways people earn, and how to spend with intention instead of impulse.

Third Grade students learning
Jump$tart Aligned
Grades 3–5
Money Builders
Explore →
Upper Elementary Curriculum
5 units · 50 lessons · Grades 3–5
$1,900 / year · per school
The K–12 Journey
K–2
3–5
6–8
9–12

The Wyzmons™ — a learner for every stage

Third Grade sits in the Money Builders band — one step in a single K–12 arc, from a first coin to a first paycheck.

Third Grade’s Signature Lesson
The Earning Engine

Students run a tiny classroom business and discover the difference between cost, price, and profit.

Designed exclusively for Third Grade students — every grade gets its own.
The Scope

What a Third Grade student learns.

Third Grade sits inside the Money Builders program — 5 units and 50 lessons of story-, play-, and decision-based learning, taught the way great classrooms actually teach.

2.1The Earning Engine
2.2Smart Spending
2.3The Saving System
2.4Budgeting Basics
2.5Money and Community
Every lesson maps to the 8 money domains
Earning
Spending
Saving
Giving
Borrowing
Investing
Protecting
Planning

Every decision a third grade student makes feeds the FLIQ Score™ — a behavioral measure of how a child actually decides about money, so growth is provable, not guessed.

The Third Grade curriculum is Jump$tart National Standards aligned, follows the HQIM structure districts use to evaluate curriculum, and is FERPA & COPPA compliant. Districts license per school and can pay by purchase order — Title IV-A eligible.

Grade-level design reflects established stages of cognitive development (Piaget) and research on early money-habit formation.

Browse by Grade
KindergartenFirst GradeSecond GradeThird GradeFourth GradeFifth GradeSixth GradeSeventh GradeEighth GradeNinth GradeTenth GradeEleventh GradeTwelfth Grade

Bring the Third Grade curriculum to your classroom.

Run a free founding pilot, or talk to our team about licensing Financial Foundations™ for your school or district.

Request a Pilot →See the full curriculum →