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 6
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 6
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 6
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 6
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 6
Money Builders
Ages 15–18 ·
Comming SOON
The Family Economy, Entrepreneurship - Build a business from the ground up.
Tier 6 of 6
Money Launched™
Ages 18–25 · 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
All Courses Available Now
Five Programs.
One Pathway. Start Anywhere.
Each course is a complete kit, textbook, workbook, simulation cards, and parent/teacher manual. Buy them individually, or get the entire pathway in one purchase and save $146.
🌱 🌿 📊 💪 🚀
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
$305 if purchased individually
$250
Save $55
Or Choose Individual Courses
🌱
Money Seeds™
Ages 5–7 · Parent-Led
$49
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 6
🌿
Money Grows™
Ages 8–10 · Semi-Independent
$49
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 6
📊
Money Ready™
Ages 11–15 · Independent Study
$69
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 6
💪
Money Strong™
Ages 15–18 · First Job Ready
$69
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 6
🚀
Money Launched™
Ages 18–25 · Self-Paced
$69
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 6
Money Builders
Ages 15–18 · Self-Paced
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 6 of 6
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
The Method
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 $250 saving $55 versus buying individually.
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"Questions about Ledger & Learn? You can reach me directly
© 2026 Ledger & Learn™. All rights reserved.
From First Coins to Confident Decisions