/  Varsity


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, 4-H and Junior Varsity teams, but 4-H, FCCLA and FBLA teams can also compete as Varsity teams.

Wild Card Path 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 Wild Card process, which includes a team project and a special TeamSmarts quiz. The winning teams will receive travel stipend funds to attend the National LifeSmarts Championship in April. You will compete at least seven 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 LifeSmarts / FBLA Competitive Event “LifeSmarts”.

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