Raising money-confident kids with tools that grow as they do.

You don’t need a finance degree, just a plan that works in real life.

Course + Masterclass Options

Why Parents Struggle

  • Schools rarely cover it. Less than half of states require even one standalone personal finance course before graduation.
  • Money feels heavy. For many of us, money talks bring up stress, guilt, or overwhelm... so we avoid them.
  • Money habits form early. Many start taking root by age 7, which means the best time to start is now, no matter your child’s age.

Every family deserves simple, research-backed tools to raise kids who feel confident with money — without shame, overwhelm, or guesswork. 

Introducing...

Foundations Course + Masterclasses

More than a one-time course or workbook, Raising Little Millionaires offers a flexible, age-appropriate system that grows with your child and supports you as their first money mentor.

Tools for ages 3 - 18 years

 Age-specific lessons, trackers, and conversation prompts designed to build habits over time.

Teach money at home.

From saving jars to teen credit conversations, the suite covers every stage with research-backed lessons and ready-to-use tools.

Practical and flexible.

These fit into car rides, grocery trips, and quick “Money Moments”, not long lectures.

Support along the way.

With on-demand videos, printables, and post-purchase support options, you’ll never feel like you’re doing this alone.

How It Works:

Foundations gives you the "what" and the "why". Masterclasses give you the “how” – bringing money lessons to life with age-specific tools.

  1. Every program starts with Foundations.

  2. Choose your child’s age appropriate Masterclass.

  3. Put it into practice with quick, everyday routines.

Explore Foundations + Masterclass Options

What You’ll Learn Inside the Foundations Course

  • The 3 Big Money Mindsets to build with your children that will serve them for life
  • How to build a family money culture that creates confidence — without shame, stress, or overwhelm
  • Budgeting made simple — how to introduce spending plans kids can actually understand and stick with
  • Investing 101 for kids — easy, age-appropriate ways to plant the seeds of long-term growth
  • Allowance systems that work — no debates, no bribes, just clear structures that fit your family
  • Money Check-Ins — 5–15 minute weekly routines that create lasting habits
  • How to guide your child through needs vs. wants, saving, and sharing with clarity
  • Scripts, examples, and pitfalls to avoid — so you always know exactly what to say and do

…and much more

 

“This isn’t about perfection — it’s about progress. With Foundations, you’ll feel confident guiding your kids through money decisions in everyday life, with tools you can use word-for-word.”

-Emily Holthaus, Founder & Instructor

Get Started Now

Take a sneak peek... Foundations Course Outline

  1. Module 1: Why This Matters

    1 lesson
    1. Lesson 1: Why This Matters
  2. Module 2: The Caregiver’s Money Mindset

    1 lesson
    1. Lesson 1: The Caregiver's Money Mindset
  3. Module 3: The Big 3 Money Mindsets for Kids

    1 lesson
    1. Lesson 1: The Big 3 Money Mindsets for Kids
  4. Module 4: Building a Money Culture at Home

    9 lessons
    1. Lesson 1: Building a Money Culture at Home
    2. Lesson 2: Narrating Money Choices
    3. Lesson 3: Money Check-Ins: A Weekly Habit That Builds Lifelong Skills
    4. Lesson 4: Allowance Systems That Actually Work
    5. Lesson 5: Unconditional Allowance
    6. Lesson 6: Responsibility-Based Allowance
    7. Lesson 7: Hybrid Allowance
    8. Lesson 8: Allowances Tips for Success
    9. Lesson 9: Wrapping Up Your Home Money Culture
  5. Module 5: Navigating Outside Influences + Building Financial Confidence

    7 lessons
    1. Lesson 1: Navigating Outside Influences + Building Financial Confidence
    2. Lesson 2: Teaching Values-Aligned Decision Making
    3. Lesson 3: Values in Action (by Age)
    4. Lesson 4: Peer Pressure, Popularity & Comparison
    5. Lesson 5: Navigating Family & Friends
    6. Lesson 6: Media & Advertising Literacy
    7. Lesson 7: Peer Pressure, Comparison & Consumer Culture
  6. Module 6: What Kids Can Learn at Every Age

    27 lesson
    1. Lesson 1: What Kids Can Learn at Every Age
    1. Ages 3-5: The Play Years

      1. Lesson 1: Money is a Form of Exchange
      2. Lesson 2: Money Is a Finite Resource
      3. Lesson 3: Money Can Be Earned Through Work or Tasks
      4. Lesson 4: Money Can Be Used for Needs and Wants
      5. Lesson 5: First Step Toward Budgeting: The 3 Jars
      6. Lesson 6: Ages 3-5 The Play Years Wrap Up
    2. Ages 6-8: The Starter Years

      1. Lesson 1: Intro to The Starter Years
      2. Lesson 2: Money is a Tool to Accomplish Goals
      3. Lesson 3: Money Can Be Earned Through Work or Ownership
      4. Lesson 4: Money Can Be Used in Different Ways — Spend, Save, Share, Grow
      5. Lesson 5: Money Can Grow
      6. Lesson 6: Ages 6-8 The Starter Years Wrap Up
    3. Ages 9-12: The Building Years

      1. Lesson 1: Intro to The Building Years
      2. Lesson 2: Money Flows In and Out — Income and Expenses
      3. Lesson 3: Money Can Be Owed
      4. Lesson 4: Money Can Grow at Different Rates
      5. Lesson 5: Money Can Be Lost
      6. Lesson 6: Money Requires Planning — Intro to Pre-Planned Budgeting
      7. Lesson 7: A Note on Credit & Debit Cards at This Age
      8. Lesson 8: Ages 9-12 The Building Years Wrap Up
    4. Ages 13-18: The Independence Years

      1. Lesson 1: The Independence Years (Ages 13–18) Intro
      2. Lesson 2: Money Can Be Used in Value-Driven Ways
      3. Lesson 3: Money Compounds with Time — The Time Value of Money
      4. Lesson 4: Money Can Be Invested in Many Ways — Diversification
      5. Lesson 5: Money Requires Planning — Creating and Managing a Detailed Budget
      6. Lesson 6: Ages 13-18: The Independence Years Wrap Up
  7. Module 7: Supporting Into Adulthood

    6 lessons
    1. Lesson 1: Supporting Into Adulthood
    2. Lesson 2: The Annual (or Quarterly) Money Step-Back
    3. Lesson 3: Coaching vs. Controlling
    4. Lesson 4: Using Big Purchases as Planning Tools
    5. Lesson 5: Preventing Lifestyle Creep
    6. Lesson 6: Supporting Into Adulthood Final Tips
  8. Module 8: Your Next Steps

    1 lesson
    1. Lesson 1: Your Next Steps
  9. Printable Toolkit

    1 lesson
    1. Printable Toolkit

What You’ll Learn Inside the Foundations Course

  • The 3 Big Money Mindsets to build with your children that will serve them for life
  • How to build a family money culture that creates confidence — without shame, stress, or overwhelm
  • Budgeting made simple — how to introduce spending plans kids can actually understand and stick with
  • Investing 101 for kids — easy, age-appropriate ways to plant the seeds of long-term growth
  • Allowance systems that work — no debates, no bribes, just clear structures that fit your family
  • Money Check-Ins — 5–15 minute weekly routines that create lasting habits
  • How to guide your child through needs vs. wants, saving, and sharing with clarity
  • Scripts, examples, and pitfalls to avoid — so you always know exactly what to say and do

…and much more

 

“This isn’t about perfection — it’s about progress. With Foundations, you’ll feel confident guiding your kids through money decisions in everyday life, with tools you can use word-for-word.”

-Emily Holthaus, Founder & Instructor

Get Started Now

Take a sneak peek... Foundations Course Outline

  1. Module 1: Why This Matters

    1 lesson
    1. Lesson 1: Why This Matters
  2. Module 2: The Caregiver’s Money Mindset

    1 lesson
    1. Lesson 1: The Caregiver's Money Mindset
  3. Module 3: The Big 3 Money Mindsets for Kids

    1 lesson
    1. Lesson 1: The Big 3 Money Mindsets for Kids
  4. Module 4: Building a Money Culture at Home

    9 lessons
    1. Lesson 1: Building a Money Culture at Home
    2. Lesson 2: Narrating Money Choices
    3. Lesson 3: Money Check-Ins: A Weekly Habit That Builds Lifelong Skills
    4. Lesson 4: Allowance Systems That Actually Work
    5. Lesson 5: Unconditional Allowance
    6. Lesson 6: Responsibility-Based Allowance
    7. Lesson 7: Hybrid Allowance
    8. Lesson 8: Allowances Tips for Success
    9. Lesson 9: Wrapping Up Your Home Money Culture
  5. Module 5: Navigating Outside Influences + Building Financial Confidence

    7 lessons
    1. Lesson 1: Navigating Outside Influences + Building Financial Confidence
    2. Lesson 2: Teaching Values-Aligned Decision Making
    3. Lesson 3: Values in Action (by Age)
    4. Lesson 4: Peer Pressure, Popularity & Comparison
    5. Lesson 5: Navigating Family & Friends
    6. Lesson 6: Media & Advertising Literacy
    7. Lesson 7: Peer Pressure, Comparison & Consumer Culture
  6. Module 6: What Kids Can Learn at Every Age

    27 lesson
    1. Lesson 1: What Kids Can Learn at Every Age
    1. Ages 3-5: The Play Years

      1. Lesson 1: Money is a Form of Exchange
      2. Lesson 2: Money Is a Finite Resource
      3. Lesson 3: Money Can Be Earned Through Work or Tasks
      4. Lesson 4: Money Can Be Used for Needs and Wants
      5. Lesson 5: First Step Toward Budgeting: The 3 Jars
      6. Lesson 6: Ages 3-5 The Play Years Wrap Up
    2. Ages 6-8: The Starter Years

      1. Lesson 1: Intro to The Starter Years
      2. Lesson 2: Money is a Tool to Accomplish Goals
      3. Lesson 3: Money Can Be Earned Through Work or Ownership
      4. Lesson 4: Money Can Be Used in Different Ways — Spend, Save, Share, Grow
      5. Lesson 5: Money Can Grow
      6. Lesson 6: Ages 6-8 The Starter Years Wrap Up
    3. Ages 9-12: The Building Years

      1. Lesson 1: Intro to The Building Years
      2. Lesson 2: Money Flows In and Out — Income and Expenses
      3. Lesson 3: Money Can Be Owed
      4. Lesson 4: Money Can Grow at Different Rates
      5. Lesson 5: Money Can Be Lost
      6. Lesson 6: Money Requires Planning — Intro to Pre-Planned Budgeting
      7. Lesson 7: A Note on Credit & Debit Cards at This Age
      8. Lesson 8: Ages 9-12 The Building Years Wrap Up
    4. Ages 13-18: The Independence Years

      1. Lesson 1: The Independence Years (Ages 13–18) Intro
      2. Lesson 2: Money Can Be Used in Value-Driven Ways
      3. Lesson 3: Money Compounds with Time — The Time Value of Money
      4. Lesson 4: Money Can Be Invested in Many Ways — Diversification
      5. Lesson 5: Money Requires Planning — Creating and Managing a Detailed Budget
      6. Lesson 6: Ages 13-18: The Independence Years Wrap Up
  7. Module 7: Supporting Into Adulthood

    6 lessons
    1. Lesson 1: Supporting Into Adulthood
    2. Lesson 2: The Annual (or Quarterly) Money Step-Back
    3. Lesson 3: Coaching vs. Controlling
    4. Lesson 4: Using Big Purchases as Planning Tools
    5. Lesson 5: Preventing Lifestyle Creep
    6. Lesson 6: Supporting Into Adulthood Final Tips
  8. Module 8: Your Next Steps

    1 lesson
    1. Lesson 1: Your Next Steps
  9. Printable Toolkit

    1 lesson
    1. Printable Toolkit

"Wow! This course really did have absolutely everything I ever need to teach my kid about money. I love how easy you made this for me! Worth every penny!"

 

-Carly W.

Once you’ve completed Foundations, start the Masterclass for your child’s age — or get all four and be ready for every stage:

Meet the Masterclasses...

Play Years (3–5):

Spark joyful first habits with play-based activities that make money feel simple and fun.

Start Now!

Starter Years (6–8):

Build confidence with the 4-jar system and take their first steps into saving and investing.

Level Up!

Building Years

(9–12):

Grow independence through hands-on budgeting, borrowing, and investing.

Keep Growing!

Independence Years (Teens):

Prepare for adulthood with a personal money mission, deeper knowledge of investing, and real-world budgeting skills.

Go Big!

Your child’s money story starts now.

Give them the tools and confidence you wish you had growing up.

Foundations + ALL 4 Masterclasses

$247

*Best Value*- Includes...

  • Foundations Course
  • Ages 3-5: The Play Years Masterclass
  • Ages 6-8: The Starter Years Masterclass
  • Ages 9-12: The Building Years Masterclass
  • Ages 13+: The Independent Years Masterclass
BUY THE BUNDLE NOW

Foundations + Pick 1 Masterclass

$149

*Most Popular* - Includes...

  • Foundations Course
  • Choose 1 masterclass:
    • Ages 3-5
    • Ages 6-8 
    • Ages 9-12
    • Ages 13+ 
CHOOSE YOUR CHILDS AGE

FAQs

"I bought this to use with my homeschool curriculum. It has been an AWESOME way to teach my kids about money."

 

-Annie W.

Meet Your Instructor

Hi, I’m Emily — mom of 2 kids, educator, and the founder of Raising Little Millionaires. My story with money wasn’t picture-perfect. I grew up without clear or empowering lessons about saving or investing, and I spent much of my early adulthood learning the hard way. By the time I became a parent, I knew I wanted something different for my kids: a money story rooted in confidence, freedom, and choice.

I’ve spent more than a decade working in education, earning a Master’s degree in Education, and designing personal finance curriculum that makes tough concepts simple to teach. But even with that background, I found myself overwhelmed when it came to figuring out how to teach money at home. If I felt that way, I knew other parents did too.

That’s why I started Raising Little Millionaires — not to hand families a one-size-fits-all program, but to give parents tools that work in the real world: car rides, grocery trips, bedtime routines. My mission is bigger than my own two kids. It’s about helping parents everywhere raise a generation of money-smart, financially confident kids ready to create lives full of choice and possibility.

Not sure which stage to pick?

Select the Masterclass aligned to your child's age. OR choose “All” and you’re covered for every age.

Best Value — Foundations + All 4 Masterclasses $247
Most Popular — Foundations + 1 Masterclass $149