Ledger & Learn ™
The Complete Financial
Literacy Pathway
A Curriculum for Every Stage of Life
Five simulation-based programs that take children from first coins to financial independence. Real decisions. Real consequences. Real skills — built over twenty years.
• All Five Programs Available Now
⦿ Ages 5–7 · Money Seeds™
⦿ Ages 8–10 · Money Grows™
⦿ Ages 11–15 · Money Ready™
⦿ Ages 15–18 · Money Strong™
⦿ Ages 18–25 · Money Launched™
Explore
Five Programs
Find Your Child's Place
on the Pathway
Every program builds on the one before. Every simulation compounds the skills already learned.
Tier 1 of 5
Money Seeds™
Ages 5–7 · 5 Weeks
Available Now
The Family Economy — earning tokens, dividing pay, and making choices with real consequences.
Tier 2 of 5
Money Grows™
Ages 8–10 · 8 Weeks
Available Now
Maple Street Market — run a stall, repay a loan, and read a real profit-and-loss statement.
Tier 3 of 5
Money Ready™
Ages 11–15 · 8 Weeks
Available Now
Real Life Budget — paychecks, expenses, emergencies, and 8 weeks of compounding financial decisions.
Tier 4 of 5
Money Strong™
Ages 15–18 · 9 Weeks
Available Now
The Family Economy — earning tokens, dividing pay, and making choices with real consequences.
Tier 5 of 5
Money Launched™
Ages 15–18 · 9 Weeks
Available Now
The Family Economy — earning tokens, dividing pay, and making choices with real consequences.
"A child who starts Money Seeds at age 5 and completes the full pathway arrives at 25 more financially literate than most adults — with habits, vocabulary, and decision-making skills built over twenty years."
Ledger & Learn™ · From First Coins to Confident Decisions
🌱 🌿 📊 💪 🚀
The Complete Pathway Bundle
Twenty years of financial education in a single purchase. Start your child wherever they are on the pathway — and have every future tier ready the moment they're old enough. Built for multi-kid families, homeschool co-ops, and parents who want the entire curriculum locked in at once.
Best Value
$495 if purchased individually
$349
Save $146
Or Choose Individual Courses
🌱
Money Seeds™
Ages 5–7 · Parent-Led
$99
One-time
"The Family Economy"
Kids earn tokens for real jobs, divide pay into Plant/Pick/Share pots, and shop at the Home Store. Every lesson teaches a concept the child immediately applies that week.
5 Weeks · Tier 1 of 5
🌿
Money Grows™
Ages 8–10 · Semi-Independent
$99
One-time
"Maple Street Market"
Students borrow a $20 seed loan, launch a market stall, and run it for 8 weeks — tracking profit, repaying debt, and finishing with a full P&L statement.
8 Weeks · Tier 2 of 5
📊
Money Ready™
Ages 11–15 · Independent Study
$99
One-time
"The Real Life Budget"
Students select a career, receive a real paycheck with deductions, choose housing, and manage a budget — then life happens. Every decision compounds forward.
8 Weeks · Tier 3 of 5
💪
Money Strong™
Ages 15–18 · First Job Ready
$99
One-time
"The First Job Files"
Students get hired, fill out tax forms, and receive bi-weekly paychecks. Life events escalate — car insurance, an $800 repair, and the real math behind three post-secondary paths.
9 Weeks · Tier 4 of 5
🚀
Money Launched™
Ages 18–25 · Self-Paced
$99
One-time
Your Financial Life"
Move out, accept a job offer, and make 13 weeks of compounding decisions. Every choice affects the next. Week 13 produces a complete 10-year personal financial roadmap.
13 Weeks · Tier 5 of 5
What You Get in Every Course
Each program is a complete, ready-to-teach kit
Student Textbook
Simulation / Event Cards
Teacher / Parent Manual
Complete Answer Key
Student Textbook
Simulation / Event Cards
Teacher / Parent Manual
Complete Answer Key
Why It Works
Life Doesn't Wait.
Neither Does This Curriculum.
Event Decks are what separate Ledger & Learn™ from every worksheet-based financial literacy course. Students don't learn about emergencies. They experience them — inside a budget they built themselves, with money they actually tracked.
A car repair hits in Week 3. A bonus arrives in Week 5. Prices rise in Week 6. Every event has a consequence that follows the student forward. The decisions compound — exactly like real life.
🚨 Emergency
Car Repair
Your car needs brake work. Cost: $680. You need it to get to work. What do you do?
💰 Windfall
Work Bonus
Your manager awards you a $400 performance bonus. Save, spend, or pay down debt?
📈 Inflation
Prices Rise
Groceries up 15%. Gas up $0.40/gallon. Your income hasn't changed. Adjust your budget.
⚡ Life Event
Rent Increase
Your landlord raises rent by $150/month starting next month. What moves in your budget?
Why It Works
Simulation Changes
Everything
🎯
Decisions, Not Definitions
Every program puts students inside a simulation where they make real financial decisions — before those decisions cost real money. The consequence follows them forward, exactly like life does.
🔗
Every Tier Builds on the Last
Vocabulary, skills, and concepts carry forward from program to program. A student who completes Money Grows enters Money Ready already knowing what a ledger, a budget, and compound interest are.
🏠
Built for Real Families
Designed for homeschool co-ops, independent learners, and classroom use. 65–90 minutes per week. Everything included — no subscriptions, no add-ons, no surprises.
From First Coins to Confident
Decisions
Start the Journey Today
All five Ledger & Learn™ programs are available now. Buy a single course, or lock in the entire twenty-year pathway with the Complete Bundle for $349 — saving $146 versus buying individually.
© 2026 Ledger & Learn™. All rights reserved.
From First Coins to Confident Decisions