Tier 5 of 6
Money Builders™
Ages 15–18
9 Sessions
Self-Paced
Entrepreneurship · Build a business from the ground up
Coming Soon
A new kind of money education
Real ideas. Real customers. Real results.
No commitment. Just first access when enrollment opens
——The venture
Turn ideas into opportunity.
Money Builders takes teens through the real-world process of starting and running a business—from finding a problem worth solving to making sales, understanding costs and profit, and creating a business plan.
Students gain the knowledge, skills, and confidence to bring an idea to life and discover what it really takes to become an entrepreneur.
9
guided sessions
2
ways to complete
1
complete founder’s packet
9
guided sessions
2
ways to complete
1
complete founder’s packet
Choose your build
Two ways to complete the program.
Same lessons. Same artifacts. Same real-world learning. Every student can complete the program.
Path 01
Live Venture
Build and operate a real business.
Work with real customer
Make and track actual sales
Compare goals with real results
For students ready to launch now
Path 02
Guided Simulation
Build a fictional venture with real business math.
Follow the same nine lessons
Make decisions and build financials
Finish the full Founder’s Packet
For students ready to launch now
Session by session
Nine steps from idea to pitch.
Each session creates a piece of the business. By the end, students have more than notes—they have proof of work.
01
Find the problem
Spot a real frustration worth solving and learn to frame it as an opportunity.
02
Talk to real people
Validate the problem through customer conversations—not guesses.
03
Read the market
Research local alternatives, demand, and the customers already buying.
04
Choose the idea
Compare possibilities and commit to one venture with real potential.
05
Build the offer
Shape the product or service, define the value, and set a smart price.
06
Make the sale
Test the offer, speak to customers, and turn interest into revenue.
07
Know the numbers
Track costs, pricing, profit, P&L, and profit per hour.
08
Make it legitimate
Learn the legal and tax basics for teens and assemble a one-page plan.
09
Pitch the business
Package the journey, share the plan, and pitch to a real audience.
—— The final artifact
Meet the Founder’s Packet.
Week by week, students build a complete record of their business journey. It’s portfolio-ready, transcript-ready, and built to show how they think—not just what they memorized.
Research & planning
Financials & P&L
One-page business plan
Pitch deck
Goal vs. actual results
Goal vs. actual results
—— Why it works at this age ——
Built for capable teens—not little kids.
Money Builders respects the way teenagers learn: through ownership, visible consequences, and work they can be proud to show.
Ownership changes everything
Students make the decisions. The program provides the structure, prompts, and guardrails that keep momentum moving.
The math has a reason
Pricing, costs, and P&L stop being abstract when they answer a question students care about: “Did my idea work?”
The work becomes evidence
The finished packet and pitch show initiative, research, financial reasoning, and communication in one meaningful project.
—— The Ledger & Learn pathway ——
Where Money Builders fits.
Every program builds the language, habits, and confidence needed for the next financial milestone.
01
SEED
Money Seeds™
Ages 5–7
02
GROW
Money Grows™
Ages 8–10
03
SEED
Money Ready™
Ages 11–15
04
STRONG
Money Strong™
Ages 15–18
You are here
05
BUILD
Money Builders™
Ages 15–18
06
LAUNCH
Money Launched™
Ages 18–25
—— Coming soon
The next great idea could start here.
Be among the first to know when Money Builders opens. We’ll send one note when the course is ready—nothing extra.
© 2026 Ledger & Learn™. All rights reserved.
From First Coins to Confident Decisions