One-page guides for every lesson
Each PDF gives you the lesson's talking points, five discussion questions tailored to the age group, and a real-world activity to try together. Free, classroom-friendly — just drop your email once and every guide unlocks.
How to use these guides
- Pick a lesson from either track and tap the PDF button.
- Print it (or read it on a screen) before reading the lesson together.
- Use the talking points to introduce the idea, then work through the discussion questions.
- Finish with the real-world activity - that's where the lesson actually sticks.
Ages 8–17 · 24 lessons
What money actually is (it's just a tool)
Money basics · 3 min · 30 XP
Wants vs needs (the question that saves you money)
Money basics · 3 min · 30 XP
Where money actually comes from
Money basics · 3 min · 30 XP
Saving vs spending (and why a 'goal jar' actually works)
Money basics · 3 min · 35 XP
How banks actually work (and why your money is safe)
Money basics · 5 min · 45 XP
Your first paycheck (why it's smaller than you thought)
Earning & growing it · 4 min · 35 XP
The $5-a-week superpower (welcome to compounding)
Earning & growing it · 4 min · 50 XP
Saving goals that don't feel boring
Earning & growing it · 3 min · 35 XP
Side hustles that work at your age
Earning & growing it · 5 min · 50 XP
Do teens have to pay taxes?
Earning & growing it · 5 min · 50 XP
Debit cards, credit cards, and prepaid cards
Banking & accounts for teens · 4 min · 40 XP
Venmo, Cash App, Zelle: the rules nobody tells you
Banking & accounts for teens · 5 min · 50 XP
Reading any bank statement in 90 seconds
Banking & accounts for teens · 4 min · 40 XP
Credit cards aren't free money
Avoiding traps · 4 min · 40 XP
Every ad is designed to take your money
Avoiding traps · 3 min · 35 XP
The 'is this worth it?' rule
Avoiding traps · 3 min · 35 XP
Scams that target teens (and why they work)
Avoiding traps · 5 min · 50 XP
In-app purchases, loot boxes, and gambling dressed as games
Avoiding traps · 4 min · 40 XP
Saving for a big thing (car, college, trip)
Goals, giving & big purchases · 5 min · 50 XP
Giving & charity (the 'share' jar grows up)
Goals, giving & big purchases · 3 min · 30 XP
Money & friendships (splitting bills, lending, peer pressure)
Goals, giving & big purchases · 4 min · 40 XP
Tipping, taxes at the register, and the receipt
Money + life skills · 3 min · 30 XP
Negotiating (yes, even at 14)
Money + life skills · 4 min · 40 XP
Money & emotions (why you spend when you're sad/bored/excited)
Money + life skills · 4 min · 40 XP
Ages 18–24 · 26 lessons
Your real take-home pay (gross vs net, the deep version)
Money reality at 18–24 · 5 min · 60 XP
A starter budget on a small income
Money reality at 18–24 · 4 min · 60 XP
Why a $1,000 emergency fund changes your life
Money reality at 18–24 · 4 min · 60 XP
Pay-stub deep dive: every line, decoded
Money reality at 18–24 · 5 min · 60 XP
Filling out your W-4 without panic
Money reality at 18–24 · 5 min · 60 XP
Student loans: subsidized, unsubsidized, and the interest clock
Debt that defines a decade · 6 min · 80 XP
How minimum payments trap you
Debt that defines a decade · 4 min · 60 XP
Credit cards, APR, and the 22% truth
Debt that defines a decade · 4 min · 60 XP
Building credit safely (and what NOT to do)
Debt that defines a decade · 5 min · 60 XP
Repayment plans: Standard, IDR, SAVE, PSLF, refinance
Debt that defines a decade · 7 min · 80 XP
Buy Now Pay Later (BNPL): the silent debt
Debt that defines a decade · 4 min · 50 XP
Why investing at 22 quietly beats investing at 32
Compounding while it still matters · 5 min · 80 XP
Roth IRA vs 401(k): the early-career playbook
Compounding while it still matters · 5 min · 70 XP
Index funds, target-date funds, and 'set it and forget it'
Compounding while it still matters · 5 min · 70 XP
First apartment: the hidden costs of 'adulting'
Adulting logistics · 5 min · 60 XP
Filing your taxes for the first time
Adulting logistics · 6 min · 65 XP
Health insurance basics: HDHP, PPO, HSA
Adulting logistics · 6 min · 65 XP
Renters and auto insurance you actually need
Adulting logistics · 5 min · 60 XP
Buying your first car: new vs used vs lease
Big-ticket decisions · 7 min · 75 XP
Subscription audit and the '$11/month traps'
Big-ticket decisions · 3 min · 40 XP
Roommates, rent splits, and the lease you sign
Big-ticket decisions · 5 min · 55 XP
Salary negotiation for your first real job
Earning more · 6 min · 70 XP
Side hustles & the 1099 reality
Earning more · 6 min · 65 XP
Switching jobs and your 401(k): rollover vs leave
Earning more · 5 min · 60 XP
From $1,000 to a real 3–6 month emergency fund
Earning more · 5 min · 65 XP
Lifestyle creep: where every raise quietly disappears
Earning more · 5 min · 60 XP