Financial Literacy for High School Students

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At Trajecta University, we believe that financial literacy is one of the most important skills a young person can learn—yet, it’s rarely taught in school. Our financial literacy program for high school students (ages 14-18) is designed to provide real-world financial education in a way that is engaging, practical, and tailored to each student’s needs. We teach teens how to manage money wisely, make informed financial decisions, and build a strong foundation for their future financial independence.

Whether they’re saving for their first car, preparing for post-secondary education, or simply looking to understand the financial world better, our one-on-one lessons help students gain confidence and competence in managing their money effectively.

We offer a fully customizable learning experience, meaning students (or their parents) can select the topics that best fit their needs. Our expert instructors will curate a personalized lesson plan based on the student’s interests, ensuring they get the most value from their session.

Some of the key financial topics we cover include:

Budgeting & Smart Money Management

• How to create a budget and track expenses
• Strategies for saving money and managing spending
• The impact of inflation on everyday purchases

Understanding Credit & Credit Scores

• How credit cards and lines of credit work
• The difference between good vs. bad debt
• How to build and maintain a strong credit score

Financial Statements & Money Flow

• Understanding income, expenses, and net worth
• How to read a bank statement
• The basics of financial goal setting

Major Purchases & Smart Spending Decisions

• Buying a first car: financing vs. leasing
• Paying for post-secondary education: loans, grants, and scholarships
• Avoiding impulse purchases and making informed financial choices

Government Accounts & Saving for the Future

• Introduction to RRSPs (Registered Retirement Savings Plan), TFSAs (Tax-Free Savings Account), and FHSAs (First Home Savings Account)
• Understanding how these accounts work and why they matter
• How to use them effectively for long-term savings and tax benefits

Risk Tolerance & Financial Decision-Making

• Understanding risk and how it applies to financial choices
• How to assess personal risk tolerance when investing or borrowing
• The importance of emergency savings and financial preparedness

Credit-Building Strategies for Young Adults

• How to establish credit history safely
• Common mistakes that damage credit and how to avoid them
• How banks assess financial responsibility

Emotional Spending & Consumer Traps

• How emotions influence spending habits
• Recognizing marketing tricks and high-pressure sales tactics
• How to develop self-control and make rational financial decisions

How Banks Make Money & How to Avoid Costly Fees

• Understanding interest rates, fees, and loan terms
• How banks generate profit from customers
• Strategies to reduce banking costs and maximize financial efficiency

Salary Negotiation & First Jobs

• How to prepare for job interviews and present yourself professionally
• Understanding payslips, taxes, and employee benefits
• How to negotiate wages, ask for a raise, and understand labor rights

Because every student’s financial education needs are different, we ask that students (or parents) specify in advance which topics they want to focus on. This allows us to curate a custom lesson plan tailored to their interests and experience level, ensuring they receive the most valuable and relevant financial education possible.

To further personalize the experience, we offer a FREE 20-minute consultation before the first lesson. This gives us the opportunity to get to know the student, understand their financial concerns or goals, and design a session that delivers maximum value.

While students are free to choose the specific topics they would like to focus on, we recommend a minimum of three lessons for those who want to cover all topics in depth and gain a comprehensive understanding of financial literacy. However, if the student prefers to focus on only a few specific areas, we will tailor the lessons accordingly based on their consultation or prior communication with us before the session. Our goal is to ensure each student receives the most relevant and useful financial education for their needs.

We offer two session lengths to accommodate different learning needs:

• 50-minute session – Ideal for covering one or two focused topics in-depth.
• 1 hour and 50-minute session – Best for students who want a more comprehensive lesson covering multiple areas.

At Trajecta University, our students’ success is our biggest priority. We take pride in offering engaging, high-quality instruction that ensures students leave with real, applicable financial knowledge.

What makes our program stand out:

• Personalized Lessons: Every session is tailored to the student's needs, ensuring they learn what matters most to them.
• Expert Instructors: Our educators are skilled at breaking down complex financial concepts into simple, practical lessons.
• Follow-Up Support: We offer a free-of-charge check-in via email or phone at any time after the lesson to ensure the student still understands what they learned. If they need clarification, we are here to help.
• Money-Back Guarantee: We are confident in the quality of our lessons, but if you are not satisfied, we offer a 30-day money-back guarantee—no questions asked.

Financial literacy is a skill that can shape a student’s future for the better. Whether they are preparing for post-secondary education, looking for their first job, or just beginning to understand money, this program provides the practical knowledge and confidence they need to make smart financial decisions.

Book a session today or schedule your free 20-minute consultation to learn how we can help your student build a strong financial foundation. Your financial future starts here!