Money & Business School
The subject school skips. Earning, saving, investing, running a business, and the habits underneath all of it — taught one grade at a time, from a jar of pennies at three to a real launch at sixteen.
Pick their grade
Six lessons sized for that exact age — one for each money pillar, with an activity and a script for you.
Run the money check
A short quiz that tells you which pillar the gaps are in, not just a score out of eight.
Start the business
Every grade has a real venture to run, from a helper card at three to a thirty-day launch at sixteen.
Six pillars, every single grade
The same six strands run from Pre-K to Grade 10. Each grade takes them one step further, so nothing is ever taught twice and nothing gets skipped.
Earn
Where money actually comes from — solving problems other people have.
Save
Keeping money on purpose, and taking it off the top instead of the leftovers.
Spend
Needs before wants, price versus value, and seeing how adverts work on you.
Give
Generosity as a decision made in advance, not a leftover or a mood.
Grow
Compounding, ownership, and how a business turns $1 into more than $1.
Mindset
Patience, asking, handling a no, and finishing the boring middle of a goal.
Choose their grade
Every page is free and self-contained — six lessons, a money check, the words they need, a real mission, a starter business, an allowance calculator, and what to expect by the end of the year.
Coins, trading, and the very first idea of waiting.
Start free 🎨KindergartenAges 5–6Coin names, real prices, and the first saving goal.
Start free 🚀1st GradeAges 6–7Counting coins, comparing prices, and running a first stand.
Start free 🌟2nd GradeAges 7–8Needs and wants, making change, and a real weekly budget.
Start free 🦋3rd GradeAges 8–9Budgets that hold, comparison shopping, and how ads work on you.
Start free 🌍4th GradeAges 9–10Bank accounts, supply and demand, and pricing a real product.
Start free 🔬5th GradeAges 10–11Compound interest, the cost of borrowing, and a written business plan.
Start free ⚡6th GradeAges 11–12Credit, debt, index funds, and finding customers who'll actually pay.
Start free 🧭7th GradeAges 12–13Taxes, inflation, risk, and why a brand is worth more than a product.
Start free 🛰️8th GradeAges 13–14Credit scores, unit economics, scams, and shipping a real first version.
Start free 🧬9th GradeAges 14–15First payslip, investment accounts, and whether a career is worth its cost.
Start free 🏛️10th GradeAges 15–16Student loans, real budgets, building assets, and launching something real.
Start freeHow one pillar grows up
Here is the Grow strand, start to finish. It begins with ten pennies in a heap and ends with assets, liabilities, and a real launch — the same idea, twelve times, each time a little further.
- Pre-KindergartenLittle bits add up
- KindergartenFive pennies make a nickel
- 1st GradeMoney in, money out
- 2nd GradeBuy low, sell higher
- 3rd GradeThe bank pays you to wait
- 4th GradeSupply and demand
- 5th GradeBorrowing runs the same machine backwards
- 6th GradeIndex funds
- 7th GradeRisk and return are tied together
- 8th GradeUnit economics
- 9th GradeInvestment accounts and why time matters most
- 10th GradeAssets versus liabilities
What you get on every grade page — free
Six lessons, one per pillar
Each with what to teach, a ten-minute activity, and the exact words to say — so you can start without preparing anything.
A money check that finds the gap
You get the reasoning whether you're right or wrong, and the misses roll up into which pillar to reread.
The four-jar allowance calculator
Set the weekly amount, split it across save, spend, give and grow, and watch what each becomes over ten years.
A starter business for that age
A real venture with startup cost, pricing logic, and the one business concept it teaches by being run.
An off-screen mission
Something to actually do — sort coins, decode an advert, build a compounding table, interview ten customers.
Milestones for the year
The specific things they should be able to do by the end, so you know whether it landed.
Keep going
Critical Thinking
Decision making, logic, and spotting a bad argument — the thinking behind good money choices.
OpenMath
Percentages, ratios, and interest are money maths. Shore up the arithmetic underneath.
OpenFree Printables
Thousands of worksheets, filterable by grade and subject — including money and counting.
OpenFrequently Asked Questions
What age should you start teaching kids about money?
Three. Not with arithmetic, but with the two ideas everything else rests on: money runs out, and waiting is survivable. The Pre-K page uses a coin jar and a two-treat waiting game — nothing that requires reading, writing, or counting. Everything after that is a refinement of those two ideas.
Is this free?
Yes. Every grade page — six lessons, a money quiz, the vocabulary, a real-world mission, a starter business plan, an allowance calculator, and the success habits — is free and needs no signup to read. The printable packs in the shop are optional and separate.
What are the six pillars?
Earn, Save, Spend, Give, Grow, and Mindset. Every grade gets exactly one lesson in each, in the same order, so you can follow a single strand straight up the grades. Mindset is in there because patience, asking, and handling rejection are what turn the other five into habits instead of facts.
Do you teach kids about business as well as money?
Yes — every grade has a starter venture sized for that age, from a Pre-K helper card through lemonade-stand unit costs, a written one-page plan at Grade 5, recurring revenue at Grade 6, and a thirty-day real launch at Grade 10. Each one teaches a specific business concept by running it, not by defining it.
How much allowance should I give, and how should it be split?
Every grade page suggests an amount and a starting split across four jars — save, spend, give, and grow — with the reasoning for that age. The allowance calculator then shows what each jar becomes over one, five, and ten years. Only the grow jar compounds, which is what makes the difference visible.
Is any of this investment advice?
No. The 7% used in the allowance calculator is a rough long-run stock market average included so children can see how compounding behaves. Real returns vary and some years are negative. Nothing on these pages is financial advice.
Can teachers use this in a classroom?
Yes. Each lesson has a teach section, a ten-minute activity, and a script you can read aloud, so a lesson works as a starter or a full period without preparation. The money quiz works well on a projector with the class voting before you tap.