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Price
Free
See the math of your future.
Learn everything you need to know to become financially independent.
Managing your money is key to financial independence. Learn to budget, save, and use credit wisely to avoid debt. Since not all schools teach this, our series covers the basics you need. Each course ends with a quiz; score 70% or more to get a certificate emailed to you.
Simulation
Next-Gen Budget & Lifestyle
Allocate your monthly cash, set a manifestation target, and watch your timeline shift in real time. Then test your focus with an impulse-buy wildcard.
Can you balance your vibe check and lock in your goal without crashing your system? Move the sliders to find out.
On Track. Keep tuning the sliders — aim for the 50/30/20 split (Needs / Wants / Savings) to unlock Elite Habits status.
Timeline to lock in your MacBook Pro
0 Mos
Income
$0
Expenses
$0
Saved/mo
$0
Monthly Allocation
0% Needs
0% Wants
0% Saved
Needs
Wants
Saved
Impulse Buy Wildcard
Think you have elite spending discipline? Hit the button to trigger a real-life financial curveball and see exactly how many months it pushes back your dream goal.
Simulation
Credit Card APR
See how compounding interest turns a small balance into a decade-long trap. Toggle minimum payments to feel the real cost.
Play around with interest rates (APR) and payment types. See exactly how switching from the “minimum payment” trap to a fixed strategy shrinks the amount of cash you hand over to the bank.
Minimum payments only
2% of balance, $25 floor
Payoff Time
4y 0m
Today
$5,000
Principal
Interest
True Cost
$0
on a $5,000 purchase
Simulation
Auto Loan Reality Check
The sticker price isn't the whole story. Take control of the sliders to adjust your down payment, loan length, and interest rate—and watch how it instantly reshapes your monthly bill and long-term debt.
Monthly Payment
$0
Interest Paid
$0
True Cost
$0
Simulation
The Cost of Waiting
Every year you delay investing has a price. Move the age slider and watch your future shrink.
See how putting away just a few dollars today stacks up against waiting three, five, or ten years. (Spoiler: Compound interest favors the earlier starter).
Portfolio @ 65
$0
Cost of waiting to 30
$0
Growth Trajectory
Age 22 → 65
Today
$0
Starting at 22
Waiting until 30
Webinars On Demand
Money Guides
Games & Activities
Credit Clash
Credit Clash was designed to be a fun and interactive way to learn about credit scores.
The Uber Game
Can you make it in the gig economy? This news game is based on real reporting, including interviews with dozens of Uber drivers. In this game, you’re a full-time Uber driver with two kids to support, and a $1000 mortgage payment due in a week. Can you earn enough to pay the bill — and make more than other players?
STAX
The investment game that lets you grow your wealth over 20 years. How high will your stax grow?
Shady Sam
Shady Sam was designed to demonstrate how loan terms can hurt you if you don’t pay attention.
Payback
PAYBACK is designed to get you thinking about how to succeed in college without taking on too much student loan debt. It’s not a step-by-step guide to managing your finances in college. Everyone’s situation is different and no game can capture all the possibilities. Hopefully, this game will bring up some questions and ideas you hadn’t considered before. Use those thoughts to continue the conversation with your counselors, teachers, and parents.
Financial Football – Sponsored by VISA & the NFL
This game is based on the rules of American Football (NFL), but it is your knowledge of financial literacy topics that will lead your team to victory. Answering questions correctly will result in positive outcomes for your team, but if you answer incorrectly things won’t turn out nearly as well!.