Select the Masterclass That Fits Your Child's Stage:

Introduce money through play, routine, and connection.

At this stage, it’s all about exposure, curiosity, and making money concepts tangible.

• From Piggy Banks to Jars: Swap hidden coins for visible jars — Spend, Save, Share — and let kids decorate their own.
• Allowances Made Simple: Start an unconditional weekly allowance using coins or small bills; practice the “split and talk” routine.
• Preschool Money Check-Ins: Five-minute family rituals to count, celebrate, and reflect together.
• Scripts for the Store: What to say when they ask for everything (“Let’s take a picture for later.”).
• Needs vs. Wants Play: Sorting games and store walks that teach early decision-making.
• Learn Through Play: Pretend stores, goal trackers, and storytime activities that make saving fun.

Turn early exposure into real habits and goals.

Now your child is ready to plan, track, and take pride in their own money system.

• Money as a Tool: Shift from “money is fun” to “money helps me reach goals.”
• The Four-Jar System: Spend, Save, Invest, Share — with a hybrid allowance that builds both responsibility and freedom.
• Goal-Based Saving: Create short-term goals (4–8 weeks) and track progress visually.
• Investing 101: Introduce the idea of letting money grow over time — with safe, simple examples.
• Decision-Making Skills: Use “Pick and Pause” to slow down impulse spending.
• Weekly Routines: Build consistency with family money moments and reflection checklists.

Move from managing jars to real-world money systems.

These years focus on independence, planning, and learning through real results.

• Budgeting Basics: Transition from jars to kid-friendly budgets that plan before spending.
• Income & Expenses: Track where money comes from and where it goes — awareness before autonomy.
• Borrowing & The Family Bank: Practice safe borrowing and repayment to understand responsibility.
• Investing Growth: Compare saving vs. investing using “Race to $100” and track progress.
• Medium-Term Goals: Save for bigger purchases (bike, trip, device) using 3–12 month plans.
• Learning from Loss: Normalize mistakes and celebrate what’s learned.
• Monthly Check-Ins: Move from weekly to monthly reviews that build accountability and confidence.

Prepare teens for real-life financial independence.

At this stage, money becomes about values, purpose, and long-term confidence.

• Money & Values: Write a Personal Money Mission Statement that connects choices to purpose.
• The Power of Time: Understand compound growth and the lifelong payoff of starting early.
• Investing for Teens: Move from observation to ownership with diversified, informed decisions.
• Budgeting for Real Life: Build line-item budgets that mirror adult expenses — food, gas, savings, fun.
• Cars, College & Real Costs: Weigh trade-offs and learn what financial freedom truly means.
• Order of Operations: A repeatable roadmap for every paycheck — from Roth IRA to spending money.
• Money Check-Ins: Transition to quarterly reflections that foster independence and accountability.

Module 1: Why This Matters

Discover why teaching money early changes everything — for your kids and for you. Reflect on your own money story, and see how everyday habits at home shape lifelong financial confidence.

• Identify the beliefs you want to pass down — and the ones to leave behind
• Reframe money as a tool for freedom, not stress

Module 2: The Caregiver’s Money Mindset

Before kids learn about money, parents revisit their own. Uncover the messages you absorbed growing up and how they show up today — then rewrite the story together.

• Explore your “spender” or “saver” tendencies
• Replace money shame with curiosity and confidence

Module 3: The Big 3 Money Mindsets for Kids

The heart of Raising Little Millionaires — three simple, lifelong habits:

1. Split it before you spend it
2. Make spending hard, saving easy
3. Know where your money goes
   Built to grow with your child, from first allowance to first paycheck.

Module 4: Building a Money Culture at Home

Turn money talk into everyday learning. Create simple, repeatable routines that make financial habits stick.

• Build delayed-gratification skills
• Narrate your choices so kids hear healthy modeling
• Run quick weekly Money Check-Ins that build confidence

Module 5: Navigating Outside Influences

Help your child stay grounded in their values — even when friends, ads, or family send mixed messages.

• Handle peer pressure and comparison with calm
• Turn “spoiling” moments into teachable ones
• Teach media and ad literacy

Module 6: What Kids Can Learn at Every Age

Know what’s age-appropriate at every stage — and where to start.

• Ages 3–5: Money basics and the 3-Jar system
• Ages 6–8: Goals, earning, and the Grow Jar
• Ages 9–12: Budgeting and borrowing
• Ages 13–18: Values-driven spending and investing

Module 7: Supporting Into Adulthood

Shift from manager to mentor as your child grows.

• Run annual “Money Step-Backs”
• Coach instead of control
• Help them plan big purchases and avoid lifestyle creep

Module 8: Your Next Steps

Bring it all together.

• Start your money routines
• Choose the right Masterclass
• Celebrate progress along the way