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Future Investors Head Back to Class

High School Students Taking Ramsey Solutions’ Foundations in Personal Finance Course Learn How to Plan Their Financial Futures

Nearly half a million high school students across the U.S. will be learning money principles that will stay with them for a lifetime as they go back to school this fall. They’ll be taking Foundations In Personal Finance: High School Edition, the course from Ramsey Solutions trusted by educators for more than 10 years. Foundations teachers say that today’s students are curious about building wealth through investments, and test scores prove that Foundations makes complex money topics like investing easy to understand.

“The kids are learning how to actually do this stuff,” said Jim King, executive vice president of Ramsey Education, a division of Ramsey Solutions. “The entire focus of the Foundations in Personal Finance curriculum is to teach them the how, not just the what. We do that by equipping students with steps they can start implementing right now. We’re excited that the test scores prove the principles being taught are working.”

Ramsey Solutions compiled four years of test results from more than a million students who had been enrolled in a class using the Foundations In Personal Finance: High School Edition curriculum. The students were tested before and after studying subjects like saving, credit and debt, investing and retirement, careers and taxes, insurance, consumer awareness, and more. Comparing pre-test and post-test scores shows an average increase of 22 percentage points with investing topping the scores with a 27-percentage point increase.

“Students of today could very well be the millionaires of tomorrow,” said Jason Pearson, a Foundations in Personal Finance teacher in Frankfort, Illinois. “Compound interest is one of the biggest light bulb moments for my students. When I show them how investing just $100 a month can grow, they start to look at the money they spend on wants in a very different way. Foundations shows them how to take advantage of the one thing they have plenty of, and that’s time.”

One year after the pandemic and the economic fallout of 2020, financial literacy is trending. So far this year, 25 states have introduced legislation that would add personal finance education to their high school course offerings.

For more information about Ramsey Solutions’ Foundations In Personal Finance, visit

About Ramsey Solutions

Ramsey Solutions is committed to empowering people in the areas of money, business, leadership, and personal development using biblically based, commonsense principles and education. Every day, Ramsey Solutions reaches millions with nationally syndicated radio shows and columns, No. 1 national best-selling books, products and courses, and industry-renowned podcasts and video channels. Ramsey Solutions’ world-class speakers and authors give inspiration, practical advice, and hope to audiences across the country. Ramsey Solutions and its team of more than 1,000 are dedicated to doing work that matters. For more information, visit


Ramsey Education collected the data of more than 1.4 million U.S. high school students’ pre-tests and post-tests included in the digital curriculum of Foundations in Personal Finance: High School Edition. Before starting a new chapter, students would take an assessment (pre-test) about the material they were about to learn. This assessment told the teacher their level of knowledge about and familiarity with the material. After the chapter was completed, the students would take the same assessment (post-test) as an evaluation of their understanding of the information in that chapter. Data was pulled from August 1, 2017 to April 12, 2021.


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