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What People Are Saying About Mimic Personal Finance …

  • Mimic Personal Finance has bridged the gap of parenting by helping students understand the reality of finances, investing, and maturity without their parents having to nag and beg. Every student needs to have this course before they accumulate debt and regrets.”

    Tina Dealy, Parent, Texas

  • “I love what I can teach my students through Mimic Personal Finance, it makes money management so much more meaningful. It thrills me to see what my students learned about paying bills, saving money, and maintaining a good credit score as they did all of the cool things Mimic Personal Finance had to offer. It makes me wish I was teaching longer so I could use the program more. It is a game changer in financial literacy.”

    Neil Wakefield, Orem High School Financial Literacy Teacher and CTE Coordinator, Utah

  • “There are many things that I love about the Mimic Personal Finance curriculum. I love how it fits into the classroom on my terms. Mimic Personal Finance reinforces the things I teach with experiential learning. Students have the opportunity to apply what I have taught with real consequences attached to their actions.  One of the greatest challenges that I face teaching financial literacy is connecting students to the content. Students know that the things I am teaching are important and relevant, but they feel that the application of what they are learning is still very far off in their lives. Mimic Personal Finance connects students with the content in a big way. Students have to apply the lessons they learn in class to do things such as budget, manage a credit card, or create an emergency fund.”

    Kirk Chambers, Provo High School Financial Literacy Teacher, Utah

  • Mimic Personal Finance is making a bigger impact on my students than I ever would have imagined. This is what they are talking about at home and in the halls. Students are actively making real-world decisions. They are asking better, more relevant questions. They are having meaningful conversations with their parents about the decisions they are making in financial literacy. And the biggest bonus … this has made teaching financial literacy fun for me again!​”

    Shanae Butler, Emery High School Financial Literacy Teacher, Utah

  • “While students have the opportunity to leave high school with a wide range of knowledge and skills, an understanding of personal finance is one area rarely addressed through the traditional high school curriculum. Mimic Personal Finance allows students to truly understand the responsibilities of being an adult through a simulated environment. I believe every student should have the opportunity to take this class before graduating high school.”

    Lashelle Nix, High School Counselor, Texas

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Mimic Personal Finance uses decision-theory learning to teach students the basic principles of financial literacy in a simple and powerful way. 


Rather than simply studying financial concepts, students actually experience financial decision making. They are able to make decisions on how to spend their money in an ongoing role-playing simulation that has real in-class consequences.


The model creates an environment where students’ choices dictate the learning experience. Lessons are continually reinforced as each decision students make impacts the remainder of the course.


By letting choices dictate learning outcomes, a differentiated experience is created naturally, students master content, and learn more about themselves and their personal approach to financial matters. Mimic Personal Finance helps students learn to analyze their situation, needs, and goals while dealing with real consequences for their choices. As a result, students learn how to make smart financial decisions throughout their lives.

How Mimic Personal Finance works:



​Students start with budgets to track and basic bills to pay. Academic performance in class determines if they earn raises to their salaries or lose income.


Assets & Liabilities

​Students develop credit scores based on in-class behavior and simulation decisions. The scores allow them to take on liabilities and purchase assets like cars and housing.


Income Growth

Students may choose to explore other sources of income such as starting a business in class, taking a second job, or investing in the stock market.


Life Happens

Just like the real world is full of the unknown, students experience unexpected events that influence their finances within the class.


Buying Grades

By applying budgeting skills, students regularly purchase their Mimic Personal Finance score that can then be factored in as part of their total grade in class.

The Mimic Personal Finance simulation comes with a curriculum designed to help you teach personal finances in a more meaningful way. The in-class activities can easily be integrated into any existing curriculum and are designed with a teacher’s already tight schedule in mind. The curriculum and the simulation work together to reinforce previously taught subjects and lay the groundwork for content covered later in the course.

Mimic Personal Finance lesson plans are designed to follow a modified version of the 5-E Model of lesson planning: Engage, Explore, Elaborate, and Evaluate.

Each unit contains:

  • Lesson plans
  • Presentations
  • Assignments/activities
  • Teacher guides
  • Assessments


Unit 1: The RWC experience through Mimic Personal Finance
Unit 2: Money as a resource
Unit 3: Post-secondary
Unit 4: Employment
Unit 5: Managing finances
Unit 6: First major obligations
Unit 7: Insurance
Unit 8: Revolving credit
Unit 9: Personal credit
Unit 10: Taxes
Unit 11: Home ownership
Unit 12: Charitable giving
Unit 13: Investing

Origin Story

Brian Bean was teaching high school science when he became the victim of an elaborate Ponzi scheme. As a result, he lost everything and had to start life over at the age of 30. “I was embarrassed and thought that as an educated man, I should not have been so easily duped,” Brian says.

Brian was frustrated with the way our education system approaches the topic of personal financial literacy and decided there had to be a better way. He went back to school and got certified in banking and finance, earned a master’s degree in teaching methodology, and began developing Mimic Personal Finance and the Real-World Classroom Teaching Model.

“Mimic Personal Finance is based on my core belief that the greatest educational experiences in life are a direct result of our own choices,” Brian says. “Life is the greatest teacher of all, but the tuition can be expensive! My goal was to find a way to bring the real world into the classroom and give students opportunities to make some of these critical life decisions in the safe environment of the classroom.”

In 2016, Mimic Personal Finance was launched as a pilot program with a small group of schools in Utah and Texas. Over the next couple of years, the program expanded to more and more states. In 2019, Stukent launched Mimic Personal Finance as a national product. Now students all over the country have the opportunity to not just learn about financial literacy but actually experience it!