Five sessions of personal finance written for middle-school readers — and built to run at the same table as the high-school units.

Oscar Pham is 12 and wants $180 headphones. He has $36 saved, $10 a week coming in, and a pet-sitting job. Your student sorts his needs from his wants, works out where money comes from at twelve, and builds a plan that actually reaches $180 — then sees what each spending choice costs him in weeks.

The arithmetic is deliberately simple and fully worked. When it is done, swap in your student's own goal and real income and run it again. That is the version they remember.

WHAT'S INCLUDED

Written by a licensed K-12 business teacher with more than thirteen years in the classroom. Built to be taught by a parent with no background in the subject.