🌿 Tier 2 of 5
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Money Grows™
Ages 8–10 · 8 Weeks · Semi-Independent
"Maple Street Market" Simulation
• Available Now · Instant Download
$49
One-time purchase · Everything included
No subscriptions · No add-ons · No surprises
The Simulation
Run a Real Business.
Repay a Real Loan.
Students borrow a $20 seed loan, launch a market stall, and run it for 8 weeks. They track income, expenses, profit, and a Give column in a real ledger, paying back the loan and finishing with a full profit-and-loss statement. The concepts most adults wish they'd learned at this age, delivered through decisions kids actually make.
Week by Week
Eight Weeks of Real Business Thinking
1
Jars to a Budget
The 4-column ledger: Income / Expenses / Profit / Give. The market launches, $20 seed loan borrowed.
2
Banking Basics
Checking vs. savings. Interest on savings. First sales recorded and deposited.
3
Smart Spending
How advertising works. Impulse vs. planned buying. The supplier offers an upgrade, resist or invest?
4
Goals and Patience
Delayed gratification with real math. Loan repayment begins. The Give column gets its first entry.
5
What Is Profit, Really?
Revenue vs. profit. Fixed vs. variable costs. Break-even point. Full P&L review, expand, hold, or close?
6
Interest at Work
Simple and compound interest with real numbers. The savings account interest is calculated and posted.
7
More Ways to Earn
Entrepreneurship and pricing strategy. Model the three paths: expand, hold steady, or close.
8
The Full Picture
Budget vs. actual. Loan fully repaid. Give cause chosen and donated. Final market day debrief.
What's Included
Everything You Need.
Nothing Extra to Buy.
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Market Ledger
4-column weekly tracker: Income / Expenses / Profit / Give
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Market Stall Cards
Setup cards for launching the Maple Street Market stall
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Supplier Event Cards
Impulse spend scenarios, real decisions under real pressure
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P&L Summary Sheet
Complete profit-and-loss statement students build and present
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Give Allocation Tracker
Tracks the Give column and final donation decision
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Parent Playbook
Complete week-by-week guide with the exact prompts, questions, and check-ins for every session. No teaching experience required and no business background needed. You're not delivering accounting, you're letting your child discover it through doing.
Why It Works at This Age
Built for How 8-to-10-Year-Olds Actually Learn
By age 8, children can handle real cause-and-effect with money. Money Grows™ meets them at the exact moment they're ready for business-grade thinking.
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Ready for Real Business Math
Ages 8–10 hit the cognitive sweet spot, old enough for profit-and-loss thinking, young enough that the math lands before middle-school money pressure begins. Maple Street Market introduces accounting through decisions a kid actually wants to make.
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Real Stakes, Real Skills
This isn't play money. Your child borrows a real loan, runs real numbers, repays it on a real timeline, and ends with a real P&L statement they built themselves. The kind of financial fluency most adults never get, wired in by age ten.
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No Business Background Needed
The Parent/Facilitator Guide gives you one page per week, the exact prompts, questions, and check-ins. You aren't teaching accounting. You're letting your child discover it. 20–30 minutes a week, in real family life.
The Full Pathway
Where Money Grows™ Fits
Every program builds on the vocabulary, skills, and habits of the one before. A student who completes Money Grows™ enters Money Ready™ already knowing what a ledger, a profit-and-loss statement, and compound interest feel like from the inside.
Money Seeds™
Ages 5–7
← YOU ARE HERE
Money Grows™
Ages 8–10
Money Ready™
Ages 11–15
Money Strong™
Ages 15–18
Money builder™
Ages 15–18
Money Launched™
Ages 18–25
Or Lock In the Whole Pathway
The Complete Pathway Bundle
Get all five programs, Money Seeds™ through Money Launched™, in a single purchase. Twenty years of financial education locked in today, ready the moment each tier becomes age-appropriate.
$250
$305 individually ·
Save $55
From First Coins to Confident
Decisions
Open the Maple Street Market This Week
Money Grows™ is ready to download the moment you order. Print the ledger tonight, borrow the seed loan this weekend, and watch your child build the financial fluency most adults never learn.
$49 One-time · Instant download
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From First Coins to Confident Decisions