Several thousand schools across America are using our high school curriculum called “Foundations in Personal Finance.” The results have been staggering. Teens latch on to The Total Money Makeover before they need one. A recent graduate of the program, fifteen-year-old Chelsea, said, “I think this class has totally changed my life. Whenever I see someone using a credit card, I think, Whoa! How could they do that to their life? I always thought you had to have credit-card payments, house payments, and car payments. Now I realize you don’t have to.” Very cool, Chelsea.