TD Ameritrade

4-H and TD Ameritrade are bringing financial empowerment resources and education to young people across the country.

About Financial Literacy

Today’s young people face financial challenges like rising costs of education, housing and healthcare in an era of widespread wage stagnation. Now more than ever, young people need to learn financial skills and habits that will set them up for long term success.

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Smart Cents logo

Smart Cents Program

4‑H and TD Ameritrade are bringing financial empowerment to young people everywhere through the research-backed program “Smart Cents.”


Smart Cents helps young people develop financial skills and healthy habits that have been shown to have a positive long term effect on financial health, including:


  • Learning how to make personal financial plans.
  • Learning goal-setting, impulse control and mindfulness when it comes to financial decisions.
  • Making informed financial decisions that may lead to the accumulation of wealth and increased opportunities.

How Does It Work?

As part of the Smart Cents program, 4‑H educators from the University of Nebraska-Lincoln have teamed up with skilled professionals from TD Ameritrade to create a peer reviewed financial literacy playbook, which local educators across the country can use to implement research-backed curricula.


Smart Cents encourages a community-based approach to financial empowerment by bringing together local organizations, schools and informal educators to deliver research-backed programs to young people in underserved communities and their families.

group of 4-H'ers sitting at a table with a laptop

Smart Cents Playbook - English

Smart Cents Playbook - Spanish

Shop 4-H Curriculum and Products

Shop 4-H offers university-backed curriculum, educational kits, and products to expand your interest in financial literacy and more!

SmartCents digital download

Smart Cents Digital Download

Youth make decisions about how to use money every day and develop financial skills.  Each unit includes 1 digital access code.



SmartCents student workbook

Smart Cents Student Workbook

This Smart Cents Activity Guide Workbook & accompanying playbook (available above) teach youth about how to use money every day financial skills.



financial literacy bundle

Financial Literacy Bundle

These financial literacy resources guide educators through curricula that helps youth build the skills and behaviors they need to achieve financial health.



My Financial Future curriculum bundle

My Financial Future

Grades: 7-12


Middle and high schoolers will develop money management skills from organizing finances to risk management.



Mi Futuro Económico curriculum

Mi Futuro Económico

Grados: 7-12


Incluye el Nivel Principiante, el Nivel Avanzado, y La Guía para el Facilitador de Mi Futuro Económico.



Reading Makes Cents digital download

Reading Makes Cents

Grades: 3-5


Includes 53 activities about money saving, spending and more. Each unit includes 1 digital access code.



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