The Financial Fitness program is a 12-week evidence-based curriculum developed by educators and researchers at Michigan State University to support teens and young adults with cognitive and intellectual disabilities in achieving real financial independence.
Classes meet once a week and cover the practical money management skills that matter most in everyday life — from budgeting and saving to using credit responsibly and knowing where to turn for trusted financial advice.
What students learn
Over the 12 weeks, students build confidence and competence across the full range of personal finance topics:
- Managing monthly expenses and debts
- Planning and saving for the future
- Using credit cards and loans responsibly
- Selecting and managing bank accounts and financial products
- Accessing trusted resources for financial guidance
Tracking progress
At the start of the program, each student completes a brief pre-assessment to establish a baseline of their current financial knowledge and confidence. At the end of the 12 weeks, they take the same assessment again — giving students and families a clear picture of how far they’ve come.
How families can help
Families are an important part of the Financial Fitness experience. Throughout the program, families receive weekly worksheets that reinforce what students are covering in class. The most effective thing a family member can do is encourage their student to talk about what they’re learning and look for real opportunities to practice together — whether that’s reviewing a grocery receipt, opening a savings account, or talking through a monthly budget.