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This One High School Class Could Be Worth $100,000 Over A Lifetime

Kaili Killpack

Thu, May 1, 2025, 9:43 AM 4 min read

It's not often you hear about a single high school class making a six-figure difference in someone's life. But according to new research, one course — personal finance — could be worth roughly $100,000 to students over their lifetime.

And it's not just theory. Real data shows that learning about money early on can lead to better financial decisions, stronger credit scores, and even more wealth down the road.

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Can you guess how many retire with a $5,000,000 nest egg? The percentage may shock you.

A 2024 report from consulting firm Tyton Partners, in collaboration with nonprofit Next Gen Personal Finance, found that taking a one-semester personal finance class can lead to a lifetime benefit of about $100,000 per student. The calculation factors in things like avoiding costly debt, securing better loan rates, and smart investing habits.

And with more young people jumping into investing — even during rocky markets — this kind of education is becoming even more valuable. "We say it's $100,000 but as we start to see more and more young people investing, that number is only going to increase," Tim Ranzetta, co-founder and CEO of Next Gen Personal Finance, told CNBC.

It turns out that a little bit of financial knowledge goes a long way. The Tyton Partners report shows that students who take personal finance courses are:

More likely to avoid carrying credit card debt
Better equipped to get lower-cost loans and grants for college
Able to build stronger credit scores early in adulthood

The Financial Industry Regulation Authority reports that 66% of Americans are financially illiterate. Young adults with a background in personal finance education tend to have better credit scores and lower debt delinquency rates.

It's not just about avoiding mistakes, either. "Teaching students about the financial markets is the greatest asset for building wealth," Yanely Espinal, director of educational outreach at Next Gen, told CNBC.

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The good news? More states are catching on. As of early 2025, 27 states now require high school students to take a personal finance course before graduating, according to CNBC. Kentucky recently became the newest to join the list.

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