Explore activities for ages 5–10, NextGen lessons for ages 11–13, and LifeReady lessons for ages 14–18. Find interactive practice, quizzes, games, and printable worksheets. No account or child’s personal information is needed.
Start with a character activity, a complete lesson, or a game. Explorers, NextGen, and LifeReady each have free practice and printable resources available now.
Practice saving, needs and wants, budgeting, earning, growing money, and keeping promises with the original crew.
Browse Explorers resources Explore the Explorers path →
Build money skills with budgets, savings goals, banking, earning, entrepreneurship, smart shopping, and digital safety.
Browse NextGen resources See all 8 NextGen lessons →Prepare for paychecks, credit, banking, taxes, borrowing, investing, fraud prevention, and financial independence.
Browse LifeReady resources See all 10 LifeReady lessons →Start with a topic that matters today. Younger children can work with a grown-up; older learners can compare their own reasoning with the explanations.
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Help Penny sort everyday choices, then decide what matters first. Try the interactive practice, then use the free printable and grown-up guide.
Pick a goal and celebrate each small step with Sammy. Try the interactive practice, then use the free printable and grown-up guide.
Make a simple $10 plan for needs, wants, saving, and sharing. Try the interactive practice, then use the free printable and grown-up guide.
Turn a helpful idea into a tiny business plan with Ernie. Try the interactive practice, then use the free printable and grown-up guide.
Watch a little savings habit grow over four weeks with Izzy. Try the interactive practice, then use the free printable and grown-up guide.
Practice borrowing thoughtfully, making a plan, and asking for help. Try the interactive practice, then use the free printable and grown-up guide.
A budget helps you choose what matters before your money is gone. The same skill works for an allowance, a gift, or money earned from an approved job. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
Saving lets you prepare for a purchase or a surprise without relying only on last-minute borrowing or help. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
Thoughtful spending starts by asking what a purchase actually does for you, rather than labeling every exciting item bad or every familiar item necessary. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
An app balance is easier to understand when you know which transactions changed it and which payments may still be pending. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
Keeping good records helps you see whether an earning idea is worthwhile and whether you delivered what you promised. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
A creative idea becomes a workable plan only when it solves a problem and the money can support the work. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
The largest package or the loudest sale sign is not always the best choice for your budget or actual needs. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
A message can look official while asking you to send money or reveal information that puts an account at risk. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
The wage in a job offer is not the amount deposited. Reading the details helps you plan spending and notice missing hours or incorrect deductions. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
Information in a credit file can affect future borrowing and some other applications. Learning to read a file is more useful than chasing a promised score increase. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
A small required payment can keep a bill current while leaving a large balance that costs interest for a long time. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
Independent living brings several bills at once. A plan needs to cover the full month, not just the largest bill. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
Account access is useful only when you understand costs, pending payments, security, and what is actually protected. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
A refund is a reconciliation of payments and tax rules, not free extra wages or proof that a payroll estimate was exact. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
A lower monthly payment can hide a longer commitment and a larger total cost. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
Longer-term goals need an understanding of uncertainty, time, costs, and the difference between a mathematical illustration and a promised return. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
Protecting access and responding quickly can limit damage when a suspicious message or unfamiliar account appears. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
A confident transition to adulthood comes from connected decisions, not from memorizing isolated definitions. Includes worked examples, interactive practice, a short quiz with feedback, and a free worksheet.
Help Penny sort everyday choices, then decide what matters first. Includes the activity and a grown-up guide with answers.
Pick a goal and celebrate each small step with Sammy. Includes the activity and a grown-up guide with answers.
Make a simple $10 plan for needs, wants, saving, and sharing. Includes the activity and a grown-up guide with answers.
Turn a helpful idea into a tiny business plan with Ernie. Includes the activity and a grown-up guide with answers.
Watch a little savings habit grow over four weeks with Izzy. Includes the activity and a grown-up guide with answers.
Practice borrowing thoughtfully, making a plan, and asking for help. Includes the activity and a grown-up guide with answers.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Practice the lesson with a printable activity, worked guidance, and answers. Use fictional amounts and discuss the reasoning.
Allocate ten fictional dollars between spending, saving, and sharing.
Compare purchases while keeping a market budget.
Build a savings habit and work toward a goal.
Think through sales and costs at a fictional lemonade stand.
Practice recognizing needs and wants in everyday situations.
Explore responsibility and keeping a promise through fictional choices.
Plan $50, face a changing necessary expense, revise wants, and explain a complete budget.
Read the context, choose a category, and explain the financial purpose behind the decision.
Investigate fictional pay stubs, calculate gross and net pay, and identify inconsistent lines.
Practice borrowing, payment, report-review, and protection decisions without inventing an exact credit score.
Educator guidance, three activities across the learning stages, and answer keys: Needs vs. Wants, the $50 Budget Challenge, and Paycheck Detective.
Read aloud and discuss a spending choice with Penny and Sammy. Includes reflection prompts and a related free printable.
Get Penny, Sammy, Benny, Ernie, Izzy, and Cleo’s activities in one printable pack. Each activity includes a grown-up guide. Use the original individual downloads above if you prefer one topic at a time.
Use small, fictional amounts before discussing real choices. Ask “What made you decide?” and give learners time to explain. Families have different needs and resources; progress comes from practice, not comparison.
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