Financial Literacy High · Free Toolkit
8 free templates, trackers, and planners built to work alongside the FLH curriculum. Every tool maps to a specific module so you can apply what you learn immediately.
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What is in the toolkit
Each file matches a specific FLH module so implementation starts the same day you download.
4-tab workbook with a live dashboard, income tracker, expense tracker with Need/Want classification, and a 70/20/10 budget planner with auto-calculating totals.
Freshman Year · Module 2
FCRA-compliant dispute letter with fill-in fields, account dispute section, verification request language, and an enclosure checklist. Bureau-ready to send certified mail.
Freshman Year · Module 3
Five-section planner covering skills inventory, problem identification, first offer design, 30-day income goal, and a week-by-week action plan with revenue targets.
Sophomore Year · Module 1
Investment tracker plus a 10-step 30-Day Starter Plan that walks you from choosing a platform to making your first contribution and setting up automation.
Sophomore Year · Module 3
Seven-step checklist covering business name search, state registration, EIN application, business bank account, operating agreement, and bookkeeping setup.
Junior Year · Module 1
Scorecard that benchmarks your credit, savings, income, and debt-to-income ratio against first-time buyer standards. Includes a full 12-month buying timeline.
Junior Year · Module 2
Organized template for all financial accounts, insurance policies, important contacts, and will and trust notes. The document your family needs if something happens to you.
Senior Year · Module 1
The big one. Income streams, debt elimination plan, investment strategy, 1-year goals, and a complete 5-year vision with a commitment pledge. Your full blueprint.
Senior Year · Capstone
The FLH System
About FLH
Financial Literacy High started as a lesson in a South Bronx classroom. A math teacher with a decade of financial services experience watched the same financial patterns play out in families, generation after generation, with nobody connecting the dots.
So the curriculum was built. Four years. Sixteen modules. Every financial skill from mindset to legacy, written in the language of people who had to figure this out the hard way. The free toolkit is the working companion to the book.
Download the tools, use them alongside the curriculum, and share them with someone who needs them. That is how this grows.
Ready to go deeper?
The toolkit supplements the full curriculum. The book is where the framework lives: all four years, sixteen modules, the systemic context, and the Senior Year Capstone.
Get the Book on GumroadFinancial Literacy High: The High School Years · $17