The Financial Education School Forgot — Built for Kids Ages 5–18

All WealthSprout products are digital PDF downloads delivered instantly after purchase. Use them on any device or print at home.

Not at all. Every product includes a parent guide that explains each concept before you present it to your child. Many parents learn right alongside their kids.

The Family Collection includes all four programs (Money Seeds, Money Moves, Wealth Blueprint, Launch Rich), the free entry kit, and the exclusive Family Money Conversation Guide — plus every future program we add, automatically. Retail value $104 — join as a Founding Member for $67.

No. Every program is a one-time payment, not a subscription — pay once and the PDF is yours to keep.

Honestly — it depends on one thing. If you sit down with them for the first session, they will use it. If you download it and leave it for them to find, it probably will not happen.

Every WealthSprout program is designed for a parent and child to do together — not as homework your child does alone. The first session takes 20–30 minutes. If you do it together, something shifts. They start asking questions you didn't expect. They want to know how long until they can buy the thing they want. They ask if they can do the next chapter tonight.

The parents who tell us the kit sat unused are almost always the ones who handed it to their child and walked away. The parents who tell us their 8-year-old reads it every morning before school are the ones who did the first chapter together on a Saturday. That one session is the difference.

Khan Academy and YouTube are information. WealthSprout is application.

A child who watches a YouTube video about compound interest understands compound interest for about 45 minutes. A child who calculates their own compound interest in a workbook — using their own savings amount, their own timeline, their own goal — understands it for life.

The other difference is personalization. YouTube serves content to millions of kids simultaneously. WealthSprout has fill-in worksheets where your child writes their own name, their own goal, their own earning plan. It becomes about them. That is what makes financial concepts stick — not information, but personal relevance.

And Khan Academy is built for schools. It is institution-facing, curriculum-driven, and designed for classrooms. WealthSprout is built for a parent and child on a Saturday morning with no prerequisite knowledge and no homework deadline.

Go by readiness, not birthdate.

The best signal is curiosity. Has your child asked where money comes from? Do they have a savings goal they are working toward? Have they asked what a stock is or how people get rich? If yes — go to the higher tier. The content will meet them where they are.

If your child is 9 but has never thought about money beyond what to spend their allowance on — start with Money Seeds (ages 5–8) rather than Money Moves (ages 9–12). The foundation matters more than the age range.

When in doubt — get the Family Collection. You get every program and you choose which one fits right now. As they grow, the next level is already waiting.

This question usually means: what if I buy this and it doesn't work?

Two honest answers.

First — if a child loses interest it is almost always because the sessions became too long or too infrequent. Twenty minutes once a week beats two hours once a month for every age group. Keep sessions short and end before they want to stop — not after.

Second — the compound interest chapter in Money Moves and the paycheck chapter in Launch Rich have a near-perfect track record of re-engaging kids who went quiet. The compound interest calculation — when they see their $50 per month becoming $262,000 by retirement — changes the conversation permanently. That chapter alone has reignited more disengaged children than any other piece of content we have written.

And if none of that works — we have a 30-day money-back guarantee. Email us and we refund you in full. No forms, no questions, no waiting.

Yes. One purchase is for your whole household.

Every WealthSprout product is a digital PDF. You purchase once and your family uses it. Print as many copies as you have children. Use it on every device in your home. Share it with a co-parent or grandparent. There are no per-child licenses, no seat limits, and no subscription.

If you have children in different age ranges — the Family Collection is the obvious choice. One purchase covers every tier from ages 5 through 18. As each child grows into the next age range, the next program is already in your inbox waiting for them.

Every concept in every WealthSprout program is based on real, widely accepted financial principles — the same ones taught in CFP certification programs and personal finance courses at universities.

We do not give personalized financial advice. We teach concepts. The difference is important — we explain what a Roth IRA is and how compound interest works. We do not tell your family what to invest in or how to allocate your specific portfolio. For decisions specific to your situation, we always recommend speaking with a licensed financial advisor.

What we can tell you is that the teenage and young adult content — Launch Rich specifically — has been reviewed for accuracy against current tax law, account structures, and credit-building practices. The Roth IRA chapter reflects current contribution limits and eligibility rules. The credit chapter reflects current FICO scoring methodology.

We update content when regulations or product structures change. That is another reason the Family Collection makes sense — updates are emailed to you automatically.

Most teenagers who start Wealth Blueprint or Launch Rich think that. We know because their parents tell us — and then tell us what happened next.

The compound interest calculation is the turning point for almost every disengaged teenager. The moment they run their own numbers — $50 per month starting at 15 equals over $260,000 by retirement — something shifts. It is not abstract anymore. It is their money, their future, and a number so large it demands attention.

The second turning point is the paycheck chapter in Launch Rich. When a teenager sees what their gross income becomes after taxes and withholding — the first time they realize they are not actually earning what their hourly rate suggests — it creates immediate, personal relevance that no worksheet can manufacture.

We do not dress money up in cartoons or games for teenagers. We treat them like intelligent people who are three years from adulthood. That respect is what makes them engage. Teenagers who feel condescended to disengage. Teenagers who feel respected stay curious.

The free kit is the foundation. The paid programs are the curriculum built on top of it.

The free kit teaches three things: what money is, the difference between needs and wants, and the 3-jar system. In 12 pages it gives your child their first financial vocabulary and their first savings goal. Most families can complete it in one Saturday morning. It is genuinely valuable on its own.

The paid programs go much deeper into each concept and add entirely new territory.

Money Seeds (ages 5–8) takes the 3-jar system and goes much deeper — a full 40-page workbook with activities, tracking tools, earning strategies, and a complete giving framework.

Money Moves (ages 9–12) introduces compound interest with real math, a proper budgeting system, an introduction to investing, and a step-by-step guide to starting a micro-business.

The progression is intentional. Start free, see that it works, then go deeper. The free kit is not a watered-down version of the paid products — it is the entry point to a complete financial education system.

It depends on age.

Ages 5–10: Do it together. Not because they cannot read — because the conversations that happen alongside the content are half the value. When you discuss the needs versus wants sorting activity together in real time, the lesson sticks in a way that self-directed reading never achieves at this age.

Ages 11–14: A hybrid works well. Let them read the chapter alone first, then go through the activity together. Many 12-year-olds will read Wealth Blueprint independently and come to you with questions — that is the ideal outcome.

Ages 15–18: They can work through Launch Rich independently and bring you specific questions. The Roth IRA chapter specifically suggests doing the account setup with a parent — that is a together moment regardless of how independently they read the rest.

Every program includes parent guide sidebars throughout. These explain each concept before your child encounters it so you are always one step ahead — even if your child is reading ahead of you.

Two things.

First — the concepts do not end when the workbook does. The jar system, the savings goal, the earning tracker — these are ongoing habits that your child continues after the final page. The workbook is the instruction manual. The real work starts when they close it.

Second — there is always a next level. A child who finishes Money Seeds is ready for Money Moves. A child who finishes Money Moves is ready for Wealth Blueprint. Each program builds on the vocabulary and habits from the previous one.

The Family Collection exists specifically for this reason — so the next level is already in your inbox when your child is ready for it. No re-purchasing, no waiting, no gap between where they finished and where they can go next.

The foundational concepts — compound interest, the difference between needs and wants, the value of saving consistently — have not changed in 200 years and will not change in your child's lifetime.

The specific references — Roth IRA contribution limits, FICO scoring methodology, account types — are current as of publication and we update content when significant changes occur. Family Collection members receive all content updates automatically.

What does not change: the mathematics of compound interest. The psychology of delayed gratification. The mechanics of earning, saving, and giving. These are the core of every WealthSprout program. The specific account types and tax vehicles are examples that illustrate timeless principles — not the principles themselves.

Yes. And you will probably learn alongside your child.

Every chapter has a parent sidebar that explains the concept before your child sees it. You read the sidebar — takes two minutes — and then you present the concept together. You do not need to understand index funds before page 1. You just need to be one page ahead of your child.

Many of our most engaged parents are people who grew up without any financial education and are actively working on their own. They tell us they bought the programs for their kids and ended up learning things they wish someone had told them at 30.

That is not a failure — it is the exact reason WealthSprout exists. The cycle of not knowing breaks the moment someone decides to learn. That someone is you. And now it becomes your child.