If you teach kids or teens about money, you might know the name RamseyClassroom. It’s a school program that shows students how to manage money in real life. The lessons are short, easy to follow, and focus on simple ideas like saving, spending, and avoiding debt.
This guide explains what RamseyClassroom is, how it works, what it teaches, and if it fits your school or homeschool setup. You’ll get the facts, not a sales pitch.
What Is RamseyClassroom?
RamseyClassroom is a personal finance course. It was made for middle and high school students. The program helps them learn money skills they can use now and later in life.
It was created by Dave Ramsey, a personal finance expert. He wants students to learn how money works before they leave school.
The lessons cover:
- How to create a budget
- How to save money
- Why debt can be harmful
- What interest means
- Why starting early with money is smart
RamseyClassroom is online. It works with laptops, tablets, or computers. Students and teachers use a website to watch lessons, do activities, and check progress.
Who Is Dave Ramsey?
Dave Ramsey teaches people how to handle money. He talks about it on the radio, in books, and online. He gives simple advice: avoid debt, use a budget, and save money.
He made RamseyClassroom because he believes students should learn these skills early. His program is based on what he teaches adults but made easier for teens.
What Do Students Get?
Students using RamseyClassroom get access to:
- Short video lessons
- Real-life stories about money
- Activities to practice skills
- Quizzes and tests
- Tools to build a budget
The videos are clear and easy to understand. They use real stories to make the lessons feel real. Students fill out worksheets, watch short clips, and take small quizzes.
What Do Teachers Get?
Teachers who use RamseyClassroom get everything they need to run the course. This includes:
- Lesson plans
- Answer sheets
- Grading tools
- Progress reports
- Help from Ramsey’s team if needed
Even if you don’t know a lot about money, you can still teach it. Everything is ready to go. You follow the guide and let the lessons do the work.
How Can You Use It?
You can use RamseyClassroom in different ways:
- As a full-semester class
- As a short course (6 to 9 weeks)
- As part of another class like economics or social studies
Some schools use it as an elective. Others add it to homeroom or health classes. It works with many school types: public, private, and homeschool.
Since it’s online, students need a computer or tablet with internet. That’s the only tech needed.
Why Do Schools Like It?
Here’s why many teachers and schools like RamseyClassroom:
1. Simple and Clear
The lessons are short and easy to follow. Students don’t need a background in finance to understand them.
2. Real-Life Examples
It teaches what students really need. They learn how to make a budget, avoid credit card debt, and save for things they want.
3. Easy to Teach
Teachers don’t need special training. You can start right away with the materials provided.
4. Good for Faith-Based Schools
The program fits with Christian values. Private schools and homeschool families often like this. Public schools can skip the religious parts.
What Are Some Problems?
No program works for everyone. Here are some things teachers and parents should know.
1. Strong Anti-Debt View
The program says all debt is bad. It doesn’t cover how to use credit responsibly. Some teachers want more balance.
2. It Costs Money
You have to pay per student. Some schools say this is too much. Free programs are out there, but they may not have the same features.
3. One Point of View
The course uses ideas from Dave Ramsey. Some families or schools may not agree with all of them. You may need to add extra lessons to show other sides.
What Do Teachers Say?
Most teachers say good things. They like that students enjoy the videos and learn useful skills.
What they say:
- “My students made their first budget.”
- “One student opened a savings account.”
- “I feel like I’m learning with them.”
But they also point out:
- “The no-debt message is too strong sometimes.”
- “I had to explain how student loans work in real life.”
What Do Students Say?
Students often say the videos feel more real than textbooks. They like the stories and simple steps. They don’t feel bored. Some say it repeats the same message, especially about debt. But most agree it’s helpful.
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How Much Does It Cost?
The cost depends on your school and how many students you have. You pay per student or per classroom. Homeschool families pay a set price.
Some public schools can use grants or discounts. You’ll need to ask Ramsey Education for a quote.
Are There Other Options?
Yes. If you want something free or different, try these:
1. Next Gen Personal Finance
Free. Includes more topics like credit scores and investing. Some lessons are longer.
2. EverFi
Also free. Covers finance, digital safety, and job skills. Used in many schools.
3. Jump$tart Coalition
Helps you find many free or low-cost tools for financial education.
Each has different strengths. Pick what works best for your students.
Is RamseyClassroom Right for You?
It depends on what you need. RamseyClassroom is good for:
- Simple, direct teaching
- Real-life money tips
- Easy-to-use tools
- Middle or high school students
- Schools that agree with a debt-free lifestyle
But it may not work if:
- You want to teach both pros and cons of credit
- Your school needs a free program
- You want a more flexible or open-ended course
Look at your students. What do they need? If they respond well to structure and clear steps, RamseyClassroom may be a good fit.
Final Thoughts
RamseyClassroom gives students real skills. They learn how to budget, save, and stay out of debt. Teachers get tools that are easy to use. Lessons are short and focused.
Still, you should check if the message fits your goals. You may want to add other lessons if you want more balance. But if you want a simple way to teach money that sticks, this program delivers.
FAQs
Who is this program for?
Middle and high school students. Most use it in grades 8 to 12.
Can public schools use it?
Yes. The base program has no religion. You can skip or leave out any religious parts.
Do students need internet?
Yes. It’s an online program. They need a computer, tablet, or phone.
Does it match school standards?
Yes. It meets personal finance standards in many states. You can check the alignment on their website.
Can I use it at home?
Yes. There’s a homeschool version. Parents can teach it without help.
Do I need to know finance to teach it?
No. The teacher guide explains everything. You can teach and learn at the same time.
How long does it take?
You can teach it in a full semester or a short 6 to 9-week course. It depends on how you plan it.
