Money and markets

How do I teach personal finance and economics in homeschool?

Teach personal finance with real money early, through allowance, saving and shopping choices, then budgeting, interest, credit and taxes in the teen years, and economics, scarcity and markets, toward the end of high school.

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Young children

Counting coins, saving for something, comparing prices at the shop. Let them make small choices and live with them.

Teens

A budget for a month, a bank account, how interest grows and how credit costs. Clareza's Personal Finance: Decisions with Money is a Grade 9 course.

Economics

Scarcity, supply and demand, markets and trade-offs. Clareza's Economics: Scarcity, Markets, and Decisions is a Grade 12 course.

What this is not

  • Clareza does not give financial advice. The course works with numbers, either a made-up family or your own, and never opens or links a real account.
  • Many public schools now require personal finance. Homeschool rules differ by state, so check yours.
  • Both courses are shorter than a full year.

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Before your child starts: what we collect and why

We collect only what it takes to teach your child: the first name and sign-in you choose, their answers and progress, and their chat with Clara (written by Anthropic's AI, read aloud by OpenAI). Nobody trains AI on it or sells it, and you can see or delete it any time. You create your child's account yourself. Paying by card is how you give consent.

Read what we collect and why

Your consent is needed before we collect anything from your child, and we collect nothing without it. You create your child's account yourself; they never sign up alone.

  • What we collect from your child: the first name and sign-in you choose, their answers, time on lessons and progress, and their chat with Clara. Used to run the lessons, build their transcript and show you how they are doing.
  • Who else handles it: Anthropic (an AI company) receives the chat text and the lesson, with your child's first name but no last name or account details, to write Clara's replies. That is how Clara works, so it is part of the service. If you switch on answering out loud for a child, their voice is turned into text on our own server and then discarded; it is never sent to another company. OpenAI turns lesson text and Clara's replies (which can include your child's first name) into the read-aloud voice. Our email provider sends you reports about your child. Nobody trains AI on your child's data, and nobody sells it.
  • Your rights: see everything collected from your child, have it deleted, or stop further collection at any time, from your account or by emailingour support address. If you refuse the AI sharing above, Clara cannot teach, so the service cannot run. Chats are deleted after 30 days.
  • Safety: if your child writes something suggesting they may be hurt or in danger, we email you and Clareza's owner the same day.

Paying by card is how you give consent. Full details, including how long we keep each thing: Privacy Policy (version 2026-10-05).

By continuing you agree to the Terms and Privacy Policy.

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Questions parents ask

When should kids learn about money?

Coins and saving from about age 5; budgeting and interest in the teen years.

Is personal finance a homeschool high school credit?

Many families count it as an elective. Homeschool rules differ by state, so check yours.

What does a homeschool economics course cover?

Scarcity, choices, supply and demand, and markets.

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