LifeSmarts teaches 4-H students financial and consumer literacy through fun and engaging activities.
Click here to review the registration process for online competition
Compete at the State Level
Any students in grades 9-12 may compete in the Varsity LifeSmarts program. Teams of 4-5 students start by competing online, then through their state LifeSmarts program. In some states, you may be invited to participate in an in-person state competition. If your team wins at the state level you will be invited to represent the state at the National LifeSmarts Championship. Click here for state dates and more information about your state program.
Students in grades 6-8 may compete in the Junior Varsity program. Teams compete online, and in some states are invited to a state JV competition. There is no national championship for JV teams.
Monthly TeamSmarts Awards
From September through January your team may compete against other 4-H teams in the monthly TeamSmarts quiz. Each month the top-scoring Varsity team will receive a $100 cash prize. Click here to learn more about TeamSmarts.
- Teams are eligible to win one (1) TeamSmarts Award per program year.
- To compete for the monthly prize, coaches must select “4-H” for their team type. Additional prizes are available for FBLA, FCCLA, Varsity and Junior Varsity teams.
Five teams that do not win their state championship will also be invited to the National LifeSmarts Championship. Interested teams of 4-5 students, working with an adult adviser or coach, must complete the automatic bid process. The winning team will receive at least $1,000 in travel stipend to attend the National LifeSmarts Championship in April. You will compete at least eight times against teams from across the country.
4-H teams must complete the online qualification quizzes before their state’s online closing date.