Precision financial literacy
for every student.
Precision medicine tailors care to the individual. FluentFi brings that same idea to money. An AI tutor adapts to each student and meets them where they are, so every young person can leave high school financially confident. Built for California high schools and aligned to AB 2927.
21
modules
13
required topics covered
3
sessions per module
5
modules beyond the requirement
Why FluentFi exists
Financial confidence is one of the most useful things a young person can carry out of high school: knowing how a paycheck is taxed, what credit really costs, and how to build a plan they can keep. California now asks every high school to teach personal finance under AB 2927. FluentFi gives schools a complete course that is ready to teach, with or without a finance specialist on staff.
Money is also a subject where the same lesson lands differently for each student. In a class of thirty, every student has their own question, and their own moment when an idea finally lands. Some want to hear it explained a second way, some want to work the numbers themselves, and some would rather ask quietly. FluentFi makes room for all of it, so financial confidence is within reach of any student, whatever their school, their zip code, or their family background.
How the course works
Every module runs the same three sessions, so students always know what comes next and teachers can assign them on their own schedule.
Learn
A story that opens the topic, two core ideas with real cases, the vocabulary, and a short reflection.
Apply
Two more ideas with cases, a simulation where the student makes the decisions, and a written assignment.
Assess
A recap, a graded written assignment, and a quiz. Both are scored on the server, not in the browser.
What the course covers
21 modules across six units. 16 of them cover what California asks for under AB 2927. The 5 marked Beyond the Basics go further, into how a business reads its own numbers and how to work for yourself.
Your Money Foundation
4 modules- Banking and Financial Accounts
- Income, Paychecks and Taxes
- Budgeting for Real Life
- Consumer Protection and Fraud
Borrowing Smart
4 modules- Credit Scores and Credit Cards
- Loans and Student Debt
- Insurance
- Housing and Renting
Building Wealth
4 modules- Saving and Emergency Funds
- Investing and Compound Growth
- Retirement & Long-term Planning
- College Costs & Career Pathways
Financial Life Skills
4 modules- Psychology of Money & Behavioral Traps
- Side Hustles & Self-EmploymentBeyond the Basics
- Big Financial Decisions
- Giving, Values & Financial Identity
Know Your Rights
1 module- Your Rights as a Worker
Reading the Business
4 modules- The Four Financial StatementsBeyond the Basics
- Owning a Piece of a CompanyBeyond the Basics
- Break-Even and BeyondBeyond the Basics
- The Time Value of MoneyBeyond the Basics
One course, tailored to each student
Explained the way you need it.
Ask anything, as often as you need. The tutor answers the question you actually asked, and explains it another way if the first way did not land.
Feedback on your actual work.
The AI reads what each student writes and responds to that, not a generic template.
All the required topics, in plain language.
Every personal finance topic California asks for, taught so any student can follow.
Real learning, not clicking through.
Students are graded on what they understand, and the certificate reflects genuine completion.
Who's behind FluentFi
FluentFi was created by Hania Ahmar, a doctoral researcher in financial education, and it was built to a single standard: one course, met differently by every student who takes it. Precision medicine reshaped care around the individual. FluentFi asks the same of financial education.
Our commitment
FluentFi teaches financial literacy. It is education, not financial advice. The course is mapped to the topics California requires, and where the numbers change from year to year, we point students to the official source rather than speaking as the last word.
Bring FluentFi to your school
FluentFi is preparing for its first California classrooms. If you are a teacher, school leader, or supporter who wants to help students build financial confidence, we would love for you to be part of what comes next. A way to get in touch will be added here soon.
Enter FluentFi