Real Money. Real World. (RMRW) is a financial literacy program for youth from Ohio State University Extension.  It can be used with youth ages 12 – 18 but is ideally suited for youth ages 13-16.  This curriculum is time tested and has been highly successful because of the creative community efforts of Extension educators, local school teachers, and community volunteers.

Ohio State University Extension is actively working to prepare youth for their financial futures by collaborating with schools to provide Real Money. Real World.  (RMRW).  Over 19,000 Ohio students participated in RMRW in 2014.

This financial literacy curriculum has been time tested since 2005 and has been highly successful because of dedicated teachers and Ohio State University Extension professionals.

RMRW provides young people the opportunity to learn basic money management practices in the classroom and then make simulated lifestyle and budget choices similar to those adults face on a daily basis through a spending simulation.   RMRW is a great example of “learning-by-doing”.

The most preferred and successful Real Money. Real World. programs are partnerships with the county OSU Extension office, the school, the business community and other caring adults who volunteer at the spending simulations.

For more information or to schedule Real Money. Real World (RMRW) for your classroom, contact Margo Long at 740-223-4040 or email her at