For educators
Suggested 30–40 minute session: 5 minutes of discussion, 10 minutes of reading and examples, 15 minutes in pairs and 5–10 minutes explaining and correcting. Assess understanding and reasoning, not simulated profit. Worksheets print without student accounts.
Learn together: choose one concept, read the example and ask the learner to explain it in their own words. Do not ask children for household income, bank documents or account numbers. Use invented figures.
All simulation money is virtual. There are no real-money deposits or withdrawals. Historical data is not a forecast or return guarantee; a practice profit does not prove a decision was sound.
- Everyday money
What is money? · Checking account: the home of daily money · Percentages: The Language of Money
- Saving, interest and credit
Inflation and Purchasing Power · Compound Interest: Time Makes a Difference · Money Market Fund: Close to Cash, But Different
- Investing foundations
Stock: a small piece of a company · Why do prices change? · Risk: understanding what you can lose
- Insurance, pensions and taxes
How insurance works: premiums, cover and deductibles · Insurance types: health, life, home, motor and travel · Reading a policy and understanding overlapping cover
- Housing, construction and mortgages
Budgeting for a house or an apartment · Who builds the home? Contractors and supervisors · Mortgage basics: principal, equity and security
- Businesses and complex debt
What is a legal entity? · A Business: Sole Proprietor and a Limited Company (Ltd.) · Issuing and trading shares: who receives the money?
- Advanced investing and higher risk
Price-to-Earnings (P/E): What is the price relative to earnings? · Two funds: Did we really diversify? · Crypto: What Is Bitcoin?