Ledger & Learn™
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.
Five Programs
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 NowThe Family Economy — earning tokens, dividing pay, and making choices with real consequences.
Tier 2 of 5
Money Grows™
Ages 8–10 · 8 Weeks
Available NowMaple 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 NowReal Life Budget — paychecks, expenses, emergencies, and 8 weeks of compounding financial decisions.
Tier 4 of 5
Money Strong™
Ages 15–18 · 9 Weeks
Available NowThe First Job Files — tax forms, credit scores, car costs, and the real math behind college choices.
Tier 5 of 5
Money Launched™
Ages 18–25 · 13 Weeks
Available NowYour Financial Life — 13 weeks of compounding decisions ending in a real 10-year financial roadmap.
"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
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.
🌱 🌿 📊 💪 🚀
All Five Programs · Ages 5 to 25
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.
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.
Order Money Seeds™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.
Order Money Grows™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.
Order Money Ready™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.
Order Money Strong™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.
Order Money Launched™Every course is a complete kit. No subscriptions. No add-ons. No surprises. · ledgersandlearn.com
The Method
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.
Browse All Five Programs🚨 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
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
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.