Why Financial Literacy?
In June 2024, Governor Newsom signed a law making financial literacy a graduation requirement for all California high school students — recognizing that understanding money is as critical as reading or math.
This historic legislation acknowledges that financial education is no longer optional—it's essential preparation for adult life. The new requirement ensures that every California student graduates with fundamental knowledge about budgeting, saving, investing, and managing debt.
Smarty Cents Academy introduces these essential skills early, helping young elementary students build healthy habits around saving, spending, and investing through imaginative, game-based learning.
By starting in elementary school, we ensure students are not only prepared for future coursework, but also equipped for real-life financial decisions.
Why Financial Education Matters
Children who learn money management early are 83% more likely to become financially independent adults
Financial literacy correlates with better academic performance in math and critical thinking
Early Foundation Building
Starting financial education in elementary school creates a strong foundation for lifelong money management skills and responsible financial decision-making.
Protection from Financial Mistakes
Early financial education helps protect children from common financial pitfalls and predatory practices they may encounter later in life.
Students who learn financial literacy early are better prepared for high school requirements and real-world financial challenges they'll face as adults.