Financial Peace Junior is a hands-on financial literacy curriculum from Ramsey Solutions that teaches children ages 3-12 the fundamentals of earning, saving, giving, and spending money through interactive activities and a commission-based chore system.
What is Financial Peace Junior?
Financial Peace Junior (now branded as Financial Peace Kids) is a family-focused financial literacy program created by Dave Ramsey and Ramsey Solutions. The curriculum teaches children fundamental money concepts through interactive activities, games, and real-world practice. Rather than giving children an allowance, the program introduces a commission-based approach where kids earn money by completing chores—connecting work to income from an early age. Each lesson takes about 10 minutes, making it easy to fit into any homeschool schedule.
Key Takeaways
- Designed for children ages 3-12 with adaptable materials for different developmental stages
- Uses a commission-based chore system rather than traditional allowance
- Includes physical Give, Save, and Spend envelopes for hands-on money management
- Lessons take approximately 10 minutes each with minimal parent preparation required
- Incorporates biblical principles of stewardship and generosity
What's Included in the Kit
The Financial Peace Junior kit (now in its 4th edition) comes with everything families need to get started. You'll receive a Parent Guide with step-by-step instructions, a Junior's Activity Book with illustrations and coloring pages, a Smart Kids Launch Pad Chart with reward stickers, a magnetic Chore Chart with dry-erase pen, and durable Give, Save, and Spend envelopes for dividing money. The kit also includes a free digital copy of Smart Money, Smart Kids by Dave Ramsey and Rachel Cruze. Sibling kits are available separately for larger families.
Core Concepts Taught
The program centers on four fundamental money principles that build a strong financial foundation. Working teaches children that money comes from effort, not entitlement. Spending covers making wise purchasing decisions. Saving helps kids set aside money for future goals. Giving develops generosity and charitable habits. Each concept builds on the others, creating a complete picture of healthy money management that children can carry into adulthood.
Why Homeschoolers Love It
This curriculum fits naturally into homeschool life because of its flexibility and practical application. Children use real money (or play money for younger kids) with the physical envelope system, making abstract financial concepts tangible and memorable. The commission-based chore system doubles as life skills training while teaching work ethic. Parents appreciate the minimal prep time—just open the guide and start teaching. The program also aligns well with families who want faith-based content woven into their financial education.
The Bottom Line
Financial Peace Junior offers an engaging, practical approach to teaching children about money. The combination of short lessons, hands-on materials, and the commission-based work system makes financial concepts stick. If you're looking for a structured way to raise money-smart kids who understand the connection between work and earnings, this curriculum delivers without requiring significant time investment. The biblical foundation will appeal to many homeschool families, though those seeking secular options may want to look elsewhere.
