The Money Smart for Adults instructor-led curriculum consists of eleven training modules that cover basic financial topics provided by the Federal Deposit Insurance Corporation (FDIC). Topics include a description of deposit and credit services offered by financial institutions, choosing and maintaining a checking account, spending plans, the importance of saving, how to obtain and use credit effectively, and the basics of building or repairing credit.
Money Smart may be taught to students in a classroom or small group setting. It may also be used in a more personalized setting, such as by counselors working with individual clients. Educators can also integrate portions of Money Smart into other educational resources.
An instructor can teach all eleven modules sequentially or one or more individual module(s) on a stand-alone basis depending on audience needs. Instructors are strongly encouraged to assess the educational needs of their audience and present the module(s) or section(s) of a module that address those needs.
If taught in their entirety, each module takes between 1-2 hours of classroom time to teach. A layering matrix table appears in the instructor guide for each module to provide a break-down of topics, subtopics, target audience, and activities for the module.
The instructor-led version of Money Smart is available in English, Chinese, Haitian Creole, Hindi, Hmong, Korean, Russian, Spanish, and Vietnamese. A version for the visually impaired is also available.
The FDIC Money Smart curriculum content and structure is regularly updated, and enhanced to reflect changes in law and industry practices. For example, the last update of the instructor-led adult curriculum, among other enhancements, added pre- and post-tests to each module to help the participant and instructor focus on the most relevant content and measure knowledge changes..