Financial literacy · First grade to graduation
Money judgment, built one grade at a time.
A complete K–12 financial-literacy program for private and international schools. First coins in first grade, a budget by ten, exchange rates at fifteen, and a personal financial plan — built and defended — before graduation.
The idea
Financial literacy fails when it arrives once, in one grade, as one talk. Ours climbs — every year adds exactly one step, and every step stands on the one below it.
Something for every school
Take the whole arc — or the stage you need.
One continuous design that splits cleanly: adopt K–12 as a whole-school package, or start with a single stage — or a single grade — and climb from there.
Primary School
Grades 1–6 · Ages 6–12
Story first. Habits follow.
Explore Primary School →
Secondary School
Grades 7–9 · Ages 12–15
From pocket money to the real economy.
Explore Secondary School →
High School
Grades 10–12 · Ages 15–18
Adult decisions, rehearsed before they are real.
Explore High School →The staircase
Twelve grades. Every step earns the next.
Our mark is a staircase for a reason. Money habits are not a lecture; they are built one year at a time, from the first earned coin to the first read yield curve.
Learning outcomes
What a student can do, stated plainly.
Every grade is built backwards from an observable outcome. These are the exit points — what your students carry out of each stage.
By the end of primary
Grade 6 · age 12
- Divide any money they receive into earn, save, spend and share — unprompted
- Name the impulse they feel before a purchase, and use a tool to delay it
- Plan a month of money before spending it, and adjust when the plan breaks
- Take apart an advertisement and say exactly what it is doing to them
- Explain what a bank does with money it holds
By the end of secondary
Grade 9 · age 15
- Compare real financial products by return, risk and cost
- Calculate what inflation takes from money left sitting
- Explain where taxes go, and defend a position on it
- Build a first mock portfolio and justify its diversification
- Trace how a currency movement reaches their family’s shopping basket
By graduation
Grade 12 · age 18
- Present a personal financial plan and defend its assumptions
- Read a live yield curve and say what it does — and does not — tell them
- Compare debt-repayment options with real arithmetic
- Judge an insurance policy, a credit offer and a fintech product on its terms
- Recognise their own emotional bias before it costs them money
The method
Named tools early. Earned rules later.
Primary students get tools they can hold: the four jars — Earn, Save, Spend, Share — and Hot Brain / Cool Brain, a child-sized language for impulse control taught from age six.
Older students get a different promise: derive, don't assert. Nothing important is handed down as a fact to memorise — students work out for themselves why bond prices fall when rates rise, and the program teaches how the machine works, never what the market will do next.
Explore the full methodFor schools
From sample pack to adoption, in four steps.
Student books travel through your school's normal book process; teaching units arrive with everything your staff needs. No platform, no devices, no procurement maze.
- Request a sample pack. Digital sample right away, physical pack to your school. We reply within three working days.
- Review with your team. Coordinators and teachers evaluate real materials — spreads, session plans, rubrics.
- Start with one stage. One grade or one stage first, supported throughout — or the whole arc at once.
- Grow year by year. The program climbs with your students.
Our promise
Every number in every book is machine-checked.
We teach children to check the maths — so we let the maths check us. Every figure in every story, worksheet and answer key is recomputed by software before anything is printed.
How we work
See it before you decide anything.
The sample pack shows real materials for the grades you choose — everything a coordinator needs to bring to a director.