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    LifeSmarts teaches financial and consumer literacy through fun 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. 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.

    Monthly TeamSmarts Awards

    From September through January your team may compete against other Varsity 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 “Varsity” for their team type. Additional prizes are available for FBLA, FCCLA, and Junior Varsity teams.

    Automatic bid to the National LifeSmarts Championship

    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, which includes and application due December 1 and a 100-question TeamSmarts competition from January 1-31. 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.

    Notes about Competing in LifeSmarts:

    The opportunities on this page are separate from the FCCLA/LifeSmarts Knowledge Bowl and the FBLA Competitive Event “LifeSmarts”.

    For the FCCLA competitive event, teams of five students compete for the opportunity to advance to the FCCLA National Leadership Conference. Click here to learn more about the Knowledge Bowl.

    For the FBLA competitive event, teams of two students compete for the opportunity to advance to the FBLA National Leadership Conference. Click here to learn more about the Competitive Event.

    Varsity teams must complete the online qualification quizzes before their state’s online closing date.