Money handouts you can print.
A small, growing set of one-page handouts for parents and teens — worksheets to fill out, a checklist to work down, and conversation guides for talking a money moment through. Each one takes a single idea from a lesson or guide and turns it into something you can hold. Open one, then Print it or Save as PDF from your browser.
Or grab a pack
Curated sets for a common moment — one page lists every sheet in the set.
First Job
Four handouts that cover a first real job end to end: read the first paycheck, weigh the offer, turn earnings into a Roth IRA, and handle gig or 1099 income.
For a teen or young adult starting their first jobOpen the pack →Pack · 3 sheetsParent Conversation
Three discussion-first guides for the talks that come up — a car loan, a first job offer, and first gig work — each with what to say and what not to.
For a parent talking money moments through with a teenOpen the pack →Pack · 13 sheetsClassroom Starter
A no-prep set for a class, small group, or kitchen table: six run-it-in-one-sitting packets — money's two jobs, reading your first paycheck, the emergency fund, capturing the employer match, why time beats amount, and where the next dollar goes — plus six fill-in worksheets and a ten-week progress tracker the group can work through together.
For a leader running a first group sessionOpen the pack →Pack · 9 sheetsAdult Track
Four run-it-in-one-sitting group sessions for adults past the basics — paying off debt the honest way, choosing which account and why, the insurance you actually need, and giving plus what you leave behind — each with its take-home worksheet, plus the ten-week course tracker.
For a leader running the adult sessions of a money courseOpen the pack →Pack · 4 sheetsGetting Started
Four fill-in worksheets that walk a first money sit-down in order: give every dollar a job, size the emergency fund in three stages, capture the full employer match, and find where the next dollar goes.
For anyone taking a first honest look at their own numbersOpen the pack →Running a group? The classroom packets are sequenced into a ten-week money course you can lead yourself.
For your own money
Sit down with your own numbers — fill-in sheets for a budget, an emergency fund, the match, and where the next dollar goes.
First-paycheck breakdown
A one-page fill-in sheet: copy the numbers off a real pay stub, see where each dollar went, then split the take-home across today money and tomorrow money.
For a teen with their first job- Teen
- First job
- Beginner
- ~15 minutes
Monthly budget on one page
Start from your take-home and split it into needs, wants, and savings — with the 50/30/20 target beside your own numbers. The paper version of the budget builder.
For anyone giving every dollar a job- Beginner
- Teen
- ~20 minutes
Teen Roth IRA starter checklist
Six checkboxes from earned income to first contribution — what has to be true, how much is allowed, and the one number that makes the case for starting now.
For a parent opening a Roth with a working teen- Parent
- Teen
- First job
- ~30 minutes
Emergency fund in three stages
Tally your essential monthly expenses, turn "three to six months" into three reachable stage targets on a fill-in meter, and name the first automated deposit.
For anyone building their safety net- Beginner
- First job
- ~20 minutes
Your next dollar's address
The five money moves as a ladder you climb with a pen: tick what’s already true, circle the first unchecked box, and your next dollar has an address.
For anyone deciding where extra money goes- Beginner
- First job
- ~15 minutes
Capture your employer match
Copy your plan’s match formula off the benefits portal, work out the band in real dollars, and see what’s currently left on the table each year.
For anyone with a 401(k) and a match to claim- Beginner
- First job
- ~15 minutes
Calm-day market plan
A one-page standing rule you write on a calm day and sign: what you’ll do, and won’t, the next time the market drops hard — so a red screen meets a plan, not a mood.
For an investor writing the plan before the drop- Beginner
- ~15 minutes
Start your compounding clock
See what a decade of compounding is worth, then turn "start early" into a dated plan — an amount you can keep up, an account, and a date.
For anyone deciding when to start investing- Beginner
- First job
- ~15 minutes
Which debt burns first
List your debts by rate, capture the employer match ahead of all of them, and name the one debt your next dollar attacks — rate, not balance, is the fire.
For anyone deciding which debt to attack first- Beginner
- ~20 minutes
Fill the tax-deal grid
Fill in what each account does with the tax collector — going in, growing, coming out — then make the Roth-vs-Traditional choice on purpose, not by default.
For anyone whose accounts feel like a black box- Beginner
- ~20 minutes
The write-a-check test
Run each coverage through one question — could I write a check for this? — sort what you need from what you can skip, and find the first real gap to close.
For anyone sorting what to insure and what to skip- Beginner
- ~20 minutes
Who actually decides
Sort out who really decides where each thing goes — your will, a form, or a court — set a giving rate, and leave with one move: a rate, a form checked, or a will started.
For anyone putting giving and their affairs in order- Beginner
- Parent
- ~20 minutes
At the kitchen table
Talk a money moment through together, before anyone signs.
Before you sign for a car
Multiply the payment, run the 20/3/8 check, and — if it's already signed — find the doors still open. Plus what to say, and what not to.
For talking a car loan through together- Teen
- Parent
- First job
- ~20 minutes
Reading a first job offer
The wage is only half the offer. Score the benefits, talk through the trade, and learn the three questions to ask before saying yes.
For weighing a first job offer together- Teen
- First job
- Parent
- ~20 minutes
Starting gig or 1099 work
No employer means four jobs become yours: health, taxes, a cash buffer, and retirement. Here's how to talk through each — and the one move to make this week.
For setting up a first gig job together- Teen
- First job
- Parent
- ~25 minutes
Before anyone signs for school
Work the aid-letter gap in order — free money first, the student’s federal loans next, a Parent PLUS signature last and smallest — with the numbers on one page.
For a family deciding how much school to borrow- Parent
- Teen
- ~30 minutes
For a group or class
Run or take the ten-week course — the session packets and the materials that hold it together.
Money's two jobs — group session
A run-it-in-one-sitting handout: the whole framework in a sentence, a sort everyone does together, matching tools to the two jobs, and one move each person leaves with. No prep, no math background.
For a leader running a group through Lesson 1- Classroom
- Parent
- Beginner
- ~30 minutes
Why time beats amount — group session
A run-it-in-one-sitting handout on the one advantage young savers really hold — time. Guess the cliff, compare two savers ten years apart, and everyone leaves with a start date. No prep, no math background.
For a leader running a group through Lesson 5- Classroom
- Beginner
- Teen
- ~30 minutes
The match is part of your pay — group session
A run-it-in-one-sitting handout on the closest thing to free money: the employer 401(k) match. Decode three real match offers together, see what one captured band grows to, and everyone leaves with one move. No prep, no math background.
For a leader running a group through Lesson 4- Classroom
- Beginner
- First job
- ~30 minutes
Three months in a coffee can — group session
A run-it-in-one-sitting handout on the safety net every plan quietly assumes: the emergency fund. Sort what really counts as an emergency, size the fund in three reachable stages, and everyone leaves with a first deposit. No prep, no math background.
For a leader running a group through Lesson 3- Classroom
- Beginner
- Parent
- ~30 minutes
Where the next dollar goes — group session
A run-it-in-one-sitting handout on the question that comes after "how much": where the next dollar goes. Rank the five money moves by return, find each person's spot on the map, and everyone leaves with one move. No prep, no math background.
For a leader running a group through Lesson 6- Classroom
- Beginner
- First job
- ~30 minutes
Reading your first paycheck — group session
A run-it-in-one-sitting handout on reading a pay stub. The group works one shared sample stub together — name every line, learn why some are taxes and some are your own savings, and sort each into the job it does. The fill-in worksheet is the solo companion. No prep, no math background.
For a leader running a group through Lesson 2- Classroom
- Beginner
- First job
- ~30 minutes
Debt, the honest way — group session
A run-it-in-one-sitting handout on paying off debt without the myths. Rank six money moves together — one retirement move and five debts — and see why the employer match comes before every debt, why the rate (not the balance) sets the urgency, and why the payoff method barely matters. No prep, no math background.
For a leader running a group on paying off debt- Classroom
- Beginner
- ~30 minutes
The insurance you actually need — group session
A run-it-in-one-sitting handout on which insurance is worth buying. Guess an odds, then sort real coverages into need / skip / depends with one simple test — could you write a check and move on? — and find the gap most people carry without knowing it. No prep, no math background.
For a leader running a group on insurance- Classroom
- Beginner
- ~30 minutes
Which account, and why — group session
A run-it-in-one-sitting handout on the accounts, not the investments. Fill a tax-deal grid together to see what each wrapper really does — 401(k), Roth and Traditional IRA, HSA, brokerage, 529 — then make the Roth-vs-Traditional choice on purpose instead of by default. No prep, no math background.
For a leader running a group on retirement accounts- Classroom
- Beginner
- ~30 minutes
Giving & what you leave — group session
A run-it-in-one-sitting handout on money's life beyond you — giving on purpose, and what you leave behind. Sort out who actually decides where each thing goes (your will, a form, or a court), and everyone leaves with one move: a giving rate, a beneficiary form checked, or a will started. No prep, no math background.
For a leader running a group on giving and estate basics- Classroom
- Beginner
- Parent
- ~30 minutes
Spending, on purpose — group session
A run-it-in-one-sitting handout on seeing through the sale. Match real pitch lines to the handful of tactics behind them — manufactured urgency, the monthly-payment frame, anchoring, social proof — then run one “just $39 a month” offer out to what it really costs by retirement. No prep, no math background.
For a leader running a group on spending and marketing- Classroom
- Beginner
- ~30 minutes
Rent, buy, or wait — group session
A run-it-in-one-sitting handout on the buy-vs-rent decision without the myths. Sort an owner's monthly payment into money you keep vs. money that's gone — most of it is gone, same as rent — then run one down payment out to what it could become, so the choice comes down to one honest question: will you stay long enough? No prep, no math background.
For a leader running a group on the rent-or-buy decision- Classroom
- Beginner
- ~30 minutes
The ten-week course tracker
One sheet for the whole course: a done box and a "the move I made" line for each of the ten sessions, so the weeks build on each other instead of blurring together.
For anyone walking the ten-week course — leader or saver- Classroom
- Beginner
- One line per week, ten weeks
What do I actually say?
The exact words for five money moments that make people freeze — opening a Roth, asking about the match, asking for a raise, turning down a sales pitch, and moving an inherited account the safe way. Read it once; the words are yours.
For anyone facing a money conversation they'd rather not start- Beginner
- First job
- Teen
- A few minutes to read before the moment
Where am I?
A week-zero self-check: run down the ten things the course covers, mark where you already stand, and see which sessions matter most for you — so the course is personal from the first week.
For anyone starting (or leading) the ten-week course- Classroom
- Beginner
- ~10 minutes, before week one
Money words, in plain English
The course's money vocabulary on one card — the words the ten sessions use, each in a single plain sentence, grouped by topic. The in-hand reference for a phone-free room, straight from the site's glossary.
For anyone learning the words as the course goes- Classroom
- Beginner
- Keep it on the table
If this isn't you
The objections that come up in every session — no match, self-employed, debt's already a crisis — with a plain way to handle each, week by week. The leader's companion to the course.
For the leader, when a session doesn't fit the room- Classroom
- Skim before each session
The room's question cards
Print a page, cut it into cards, and hand one to each person in the first session: write the money question you're a little embarrassed to ask — no name. Then open the following weeks by reading one or two aloud, so the room's real questions shape the course.
For a leader gathering the room's real questions- Classroom
- Handed out in week one; a couple read each week