For schools
Financial literacy education, ready for the classroom
A complete program of video lessons, notes, and assessments built around ACARA's Consumer and Financial Literacy framework and aligned to the Australian Curriculum (v9.0) and Victorian Curriculum 2.0 for Years 7 to 10. Designed so teachers can deliver financial education with minimal preparation.
Built around the ACARA framework
ACARA identifies four key aspects of Consumer and Financial Literacy. Our ten modules are designed to address all four, giving students a complete foundation in financial capability: not just knowledge, but the skills, attitudes, and confidence to make informed decisions.
View the full Consumer and Financial Literacy framework on the Australian Curriculum website →
Personal finance
Spending, saving, investing, borrowing, payment methods, earning money, budgeting, and online security. Our Money & Finance, Budgeting, Investing, Loans, and Superannuation modules address this directly.
Roles, rights and responsibilities
The roles of government, financial institutions, and employers. Consumer rights, privacy protection, and recognising scams. Covered across our Tax, Credit Cards, Insurance, and Loans modules.
Economic environment
Economic principles, inflation, interest rates, economic indicators, and government intervention. Our Investing, Tax, and Property modules build this understanding.
Enterprise
Problem-solving, decision-making, communication, initiative, resilience, and commercial awareness. Developed through applied case studies and real-world scenarios across all modules.
Curriculum alignment
Australian Curriculum v9.0
Content maps to the Economics and Business learning area (Years 7–10), with alignment to the Knowledge and Understanding strand. Our program addresses ACARA's Consumer and Financial Literacy curriculum connection across all four aspects: personal finance, roles and rights, economic environment, and enterprise.
Victorian Curriculum 2.0
Aligned to the Consumer and Financial Literacy sub-strand of Economics and Business (Levels 7–10). Covers key content descriptions including financial planning and budgeting (VC2HE8K10), taxation (VC2HE8K07), consumer rights (VC2HE8K08), scam identification (VC2HE8K09), investment (VC2HE10K11), debt management (VC2HE10K12), and financial goal-setting (VC2HE10K13).
Topic-to-curriculum mapping
Each of our nine modules aligns to specific content descriptions in both the Australian Curriculum v9.0 and the Victorian Curriculum 2.0. The table below shows how each topic connects to the curriculum frameworks your school follows.
| Topic | What students learn | Australian Curriculum v9.0 | Victorian Curriculum 2.0 |
|---|---|---|---|
| Investing | Saving vs investing, compound interest, risk vs reward, types of investments, the Australian share market. | AC9HE9K01, AC9HE9K05, AC9HE10K03 | VC2HE10K08 |
| Money & Finance | What money is, earning income, needs vs wants, saving, bank accounts, digital payments, inflation. | AC9HE8K05 | VC2HE6K07, VC2HE8K10 |
| Budgeting | Tracking spending, income vs expenses, setting financial goals, building and adjusting a budget. | AC9HE8K05 | VC2HE6K07, VC2HE8K10 |
| Tax | Why we pay tax, types of tax in Australia, income tax, TFNs, GST, deductions, tax and your first job. | AC9HE8K04 | VC2HE8K09 |
| Credit Cards | How credit works, interest and fees, credit scores, responsible credit use, buy now pay later, avoiding debt traps. | AC9HE10K03 | VC2HE10K08 |
| Loans | Why people borrow, types of loans, interest rates, repayments, good debt vs bad debt. | AC9HE10K03 | VC2HE8K10 |
| Insurance | How insurance works, types of insurance, premiums and claims, risk management. | AC9HE10K03 | VC2HE10K08 |
| Property | Renting vs owning, types of property, the Australian housing market, saving for a home. | AC9HE10K03 | VC2HE8K10 |
| Superannuation | What super is and how it grows, contribution types, types of funds, investment options, tax advantages, fees and insurance, and setting up super from your first job. | AC9HE10K03, AC9HE10K04 | VC2HE10K09 |
Cross-learning-area connections
Consumer and Financial Literacy is not limited to Economics and Business. ACARA identifies connections across multiple learning areas. Our content supports these cross-curricular links.
Mathematics
Students apply mathematical reasoning to financial problems, calculating interest, comparing value, budgeting with percentages, and modelling compound growth. Our Investing, Loans, and Budgeting modules reinforce numeracy skills in authentic financial contexts.
Digital Technologies
Privacy and security are core to financial literacy in a digital world. Our Credit Cards and Money & Finance modules cover online safety, digital payments, buy now pay later services, and protecting personal data in financial transactions.
General capabilities
Lessons develop numeracy, critical and creative thinking, digital literacy, ethical understanding, and personal and social capability, all identified by ACARA as supporting consumer and financial literacy development.
What students learn at each year level
The Australian Curriculum builds financial literacy progressively from Year 7 through Year 10. Our modules map to these year-level expectations so teachers can match content to where their students are.
Year 7
Foundation concepts- Understanding the value of money and what makes informed financial decisions
- Investigating work, income, and how people earn money
- Consumer and business rights and responsibilities for financial products
- Planning to achieve short-term and long-term financial objectives
- Identifying best value decisions using cost-benefit analysis
Key modules: Money & Finance, Budgeting, Tax
Year 8
Building understanding- Profit and loss concepts and understanding market systems
- Consumer and worker rights and responsibilities in Australia
- Business obligations including income generation, taxation, and legal compliance
- Understanding statistical sampling in advertising and marketing contexts
- Managing time, cost, and production in financial planning
Key modules: Money & Finance, Budgeting, Tax, Credit Cards
Year 9
Applied knowledge- Thinking critically about the cost of credit and investment interest
- Managing financial risks and rewards in the Australian and global landscape
- Managing online risks including scams, identity theft, and fraudulent transactions
- Applying simple interest to real-world financial calculations
- Understanding legal, taxation, and political systems affecting financial wellbeing
Key modules: Investing, Loans, Credit Cards, Insurance, Property
Year 10
Financial independence- Compound interest applied to loans, superannuation, and investments
- Evaluating factors influencing major consumer and financial decisions
- Predicting short-term and long-term consequences of financial decisions
- Evaluating financial plans that support specific goals
- Government policies including taxation and superannuation and their effects
Key modules: Investing, Property, Loans, Insurance, Superannuation
What's included
Ready to teach
Every module includes video lessons, written notes, and quizzes. Teachers can deliver content with minimal preparation. No need to source materials, build worksheets, or write assessments.
Progressive structure
Each topic starts with short foundational lessons that build core understanding, then moves into deeper content. Students progress at a structured pace with built-in checks for understanding.
Built-in assessment
Quizzes with instant feedback after every lesson, plus short-answer questions that develop written reasoning. Applied case studies at the module level allow teachers to assess deeper understanding.
Australian context
All content uses Australian examples, institutions, and systems. Students learn about the ASX, Australian tax, superannuation, ASIC consumer protections, and the financial landscape they will actually navigate.
How it works
Choose your modules
Select the topics that fit your term plan. Each module is self-contained, so you can teach them in any order or focus on the ones most relevant to your students.
Deliver in class
Use the video lessons and notes as your core teaching material. Each foundational lesson runs 3 to 5 minutes, making them easy to fit into any timetable.
Assess understanding
Students complete quizzes after each lesson with instant feedback. Short-answer questions and case studies provide opportunities for deeper assessment.
Bring financial literacy to your school
Get in touch to discuss how A Wealth And Knowledge Education Network can support financial education at your school. We work with individual teachers, departments, and whole-school programs.