One program · K–12
Financial literacy that graduates with your students.
First coins in first grade. Budgets by ten. Exchange rates at fifteen. A personal financial plan, built and defended, before graduation. One program, one staircase — every grade a step.
For private and international schools worldwide · English-language editions
Something for every school
Take the whole arc — or the stage you need.
The program is one continuous design, and it 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.
- Illustrated storybooks (G1–4) on your booklist
- Write-in study book (G5) and complete teaching unit (G6)
- Per-grade teacher guide, worksheets, slides and classroom activities
Secondary School
Grades 7–9 · Ages 12–15
From pocket money to the real economy.
- Teacher-led classroom units with session plans and activities
- Sorting-card and simulation-based activities, no devices required
- Formative gates and written assessments with mark schemes
High School
Grades 10–12 · Ages 15–18
Adult decisions, rehearsed before they are real.
- Teacher-led units with full session plans and mark schemes
- Market data read live in class — students plot the real yield curve
- Trader-psychology module: risk, probability, emotional discipline
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 booklist like any textbook; teaching units come 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 3 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, one book per student per grade per year.
Why it works
Screens teach clicks. Stories and rehearsal teach judgment.
- Outcomes you can observe. Every grade defines what a student can do afterwards — make a first earn-save-spend-share split at six, read a yield curve at seventeen — and the materials are built backwards from that.
- No devices, no logins, no data. Books and print materials work in every classroom on day one.
- Real numbers, honestly handled. Upper grades read live official market data the week of teaching — and the rubrics award marks for saying what data cannot tell you.
- Teachers open it and teach. Session plans, activities, answer keys and rubrics, every grade.
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.
More about how we workSee 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.
Request a sample pack