The Curriculum
Twelve years, one staircase.
Financial literacy fails when it arrives once, in one grade, as one talk. This program climbs instead: every grade adds exactly one step, and every step stands on the one below it.
Primary School · Grades 1–6 · Ages 6–12
Story first. Habits follow.
Six grades of story-driven learning built around Vlad, a hero who ages with your students. Illustrated read-aloud books for the early years, a write-in study book and a full teaching unit at the top of primary — each grade a complete classroom course with teacher guide, worksheets, slides and activities.
Vlad's Magical Money Jar
First coins, first choices
Money comes from work · Needs vs wants · Hot Brain / Cool Brain · The four jars: Earn, Save, Spend, Share
Vlad Makes Smart Choices
Choosing well
The three questions before buying · Tradeoffs and waiting · Sharing and fairness · Goals that survive temptation
Vlad Earns and Exchanges
Markets and earning
Earning through real work · Exchange and fair trade · Comparing prices and value · Classroom market-day simulation
Vlad's Budget Adventure
The first budget
Envelope budgeting · Planning a month of money · Comparison shopping · The vocabulary of money psychology
Vlad and the Ad Detectives
Advertising literacy
How adverts work on the brain · Checking claims and framing · Opportunity cost · Peer pressure and money
Vlad and the Money Machine
Banks and systems
What a bank does with your money · Cards and digital money · Following a coin through the system · Full assessment pack
Secondary School · Grades 7–9 · Ages 12–15
From pocket money to the real economy.
The middle years move from personal habits to how the economic world actually works: financial products and what they cost, inflation, income and taxes, entrepreneurship — closing with the flagship Grade 9 unit on exchange rates, remittances and how a decision in Washington reaches a kitchen table in Guadalajara.
Products, Prices and the Mind
Financial products and inflation
Savings accounts, funds and bonds compared · What inflation does to a saved coin · Opportunity cost, formalised · Behavioural biases — noticing your own
Income, Taxes and Enterprise
Earning at scale
Income and where taxes go · Budgets with real complexity · Active vs passive income · Entrepreneurship: a first business idea
Where the Peso Meets the Dollar
The global channel
Exchange rates as a price · Who wins and loses when a currency moves · Imported inflation, link by link · Remittances, fees and hidden margins · First mock portfolio and diversification
High School · Grades 10–12 · Ages 15–18
Adult decisions, rehearsed before they are real.
The final stage prepares students for the decisions waiting on the other side of graduation: credit and insurance, retirement thinking, bonds and markets — capped by a personal financial plan every Grade 12 student builds and presents. Mechanism over forecasting, always: we teach how the machine works, never what the market will do.
Debt, Insurance and Big Goals
Adult decisions ahead
Credit cards and loans, honestly · What insurance is for · Retirement thinking, decades early · Saving for the big things
The Price of Time, Risk and Trust
Bonds, yields and markets
What a bond really is · Why prices and yields move opposite · Reading the yield curve · Index vs active management · Behaviour when markets swing
The Capstone Plan
Ready for adult life
A personal financial plan, built and presented · Portfolio and risk tolerance · Digital finance and fintech · Ethics, impact and legacy · “Think Like a Pro”: risk and trading psychology
The through-lines
Eight strands, climbing together.
The grades are steps; the strands are the handrails. Each one starts in primary and arrives, twelve years later, at an adult skill:
Numeracy of money
From counting coins to compounding, inflation and tax.
Mindset and behaviour
From naming the hot feeling to keeping your head in a falling market.
Goals and planning
From saving for a toy to planning for a life.
Risk and diversification
From all-your-coins-in-one-place to reading a portfolio.
Debt and credit
From borrowing a coin from a friend to understanding a mortgage.
Ethics and values
From sharing fairly to investing with impact.
Digital money
From invisible coins on a card to fintech and data privacy.
Independence
From the first chore to presenting your own financial plan.
Take the whole staircase — or start on one step.
Schools adopt the full arc, one stage, or a single grade. The sample pack shows you the materials for the grades you care about.
Request a sample pack