Honors Program Theses


Honors Program Thesis (UNI Access Only)

First Advisor

William Henninger, Honors Thesis Advisor


Financial literacy--Study and teaching (Secondary); Finance, Personal--Study and teaching (Secondary);


Members of society continue to live further and further beyond their financial means. This is apparent simply by looking at the consumer debt figure in the United States, which is at $13.86 trillion, made up of mortgages, auto loans, credit cards, and student loans (Fay, 2019). As a result, the importance of financial literacy and a sound understanding of personal finance becomes increasingly imperative. Existing financial literacy programs merely scratch the surface of putting young people on the path to achieve financial freedom. Current requirements in the State of Iowa require only “one-half unit of personal finance literacy” (Iowa Department of Education, 2020, para. 4). The content presented in these units is up to the discretion of the teacher who is likely integrating the material into his or her coursework rather than dedicating an entire course to this very important topic. A financial literacy program that is extensive enough to give students the knowledge and ability to take control of their money is imperative. Using both a psychological and economic approach, I have created a financial literacy program for high school students that teaches the basics of money management with an emphasis on living within one’s means while saving for the future. The content of the program was developed from various independent experts, authors, and speakers (Dave Ramsey, Anthony ONeal, Adam Carroll, and Mike Finley, for example) who have dedicated their lives to the topic of financial literacy.

Year of Submission



Department of Accounting

University Honors Designation

A thesis submitted in partial fulfillment of the requirements for the designation University Honors

Date Original


Object Description

1 PDF file (22 pages)



File Format


Off-Campus Download