What Is Money?
Why people invented money, the three jobs money does, and how barter turned into coins, paper and digital money.
Free sampleJunior 4+Explorer 8+Advanced 13+12 min✓ Completed
Wealthonauts Academy
Every money topic at three reading levels, with activities, quizzes and XP. Preview any lesson free — unlock them all with All-Access.

The Wealthonauts Academy is a library of financial literacy lessons for kids ages 4 and up. Every lesson page shows a free preview, and the full lessons are part of All-Access. Every lesson is written three ways — for Junior, Explorer and Advanced Wealthonauts — so the same topic can grow with your child. Lessons include learning objectives, an illustrated explanation, an everyday example, an activity, a quiz, a summary and, often, a printable worksheet.
Each age is a starting point, not a limit. A book or lesson marked 8+ is written so an 8-year-old can follow it — and plenty of teens and adults are meeting these ideas for the first time, too. If a topic is new to you, start wherever it makes sense. Anyone can learn this.

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All-Access · $99 one time
Everything unlocked, for every kid in your family.
Free lets you look around. All-Access is the full program: every lesson, every guided course and every game level, for one payment.
Pick an age: the course, books, games and every lesson below switch to that age.
What Is Money, Really?Ages 4+
The Promise to PayAges 6+
Who Owns the House?Ages 8+
Inside the Federal ReserveAges 8+
Gold, Silver & Paper MoneyAges 6+
The Stock Market AdventureAges 8+
The Great Banking AdventureAges 6+
What Is a Contract?Ages 6+
Build Your First BusinessAges 8+
The Family TreasureAges 10+
Credit QuestAges 10+
What Is Money, Really?Ages 4+
The Promise to PayAges 6+
Who Owns the House?Ages 8+
Inside the Federal ReserveAges 8+
Gold, Silver & Paper MoneyAges 6+
The Stock Market AdventureAges 8+
Trading TomorrowAges 13+
The Great Banking AdventureAges 6+
What Is a Contract?Ages 6+
Build Your First BusinessAges 8+
The Family TreasureAges 10+
Credit QuestAges 10+Choose an age above to see the course, books and games made for that age.
Filter by age to see the lessons written for your explorer.
Showing every lesson. Pick an age to see each lesson written for that age.
Why people invented money, the three jobs money does, and how barter turned into coins, paper and digital money.
Free sampleJunior 4+Explorer 8+Advanced 13+12 min✓ Completed
How gold and silver became money, how paper money and Federal Reserve notes developed, and why the dollar is not backed by gold today.
🔒 All-AccessJunior 4+Explorer 8+Advanced 13+14 min✓ Completed
Personal and business credit explained: borrowing, interest, credit reports, credit scores and how to build good credit.
🔒 All-AccessJunior 4+Explorer 8+Advanced 13+15 min✓ Completed
A promissory note is a written promise to repay money. Discover its parts — principal, interest, maturity and signature — at three age levels.
🔒 All-AccessJunior 4+Explorer 8+Advanced 13+15 min✓ Completed
The note is the promise; the mortgage or deed of trust is the security. Explore the parties, liens, equity and how foreclosure rules differ by state.
🔒 All-AccessExplorer 8+Advanced 13+15 min✓ Completed
A share is a small piece of a company. Meet shareholders, stock exchanges, dividends, risk and diversification.
🔒 All-AccessJunior 4+Explorer 8+Advanced 13+12 min✓ Completed
The required risk lesson before the Futures Frontier simulator: futures contracts, hedging, speculation, margin, leverage and margin calls.
🔒 All-AccessExplorer 8+Advanced 13+18 min✓ Completed
From idea to first sale: customers, a simple plan, costs and pricing, permits, a business bank account and tracking profit.
🔒 All-AccessJunior 4+Explorer 8+Advanced 13+15 min✓ Completed
Limited liability companies explained: members, operating agreements, liability protection and how LLCs are taxed.
🔒 All-AccessExplorer 8+Advanced 13+12 min✓ Completed
Digital money on a blockchain: how it works, why prices swing, what stablecoins are and how to spot crypto scams.
🔒 All-AccessJunior 4+Explorer 8+Advanced 13+15 min✓ Completed
Grantors, trustees and beneficiaries: how trusts and wills help families plan ahead, and why trust law varies by state.
🔒 All-AccessJunior 4+Explorer 8+Advanced 13+14 min✓ Completed
The same lessons, put in step-by-step order for each age, with progress tracking. Included in All-Access.

Tutor course · Ages 4+
Every Wealthonauts lesson at the Junior Wealthonauts level (Ages 4+), organized by planet, with graded quizzes. Included in All-Access.

Tutor course · Ages 8+
Every Wealthonauts lesson at the Explorer Wealthonauts level (Ages 8+), organized by planet, with graded quizzes. Included in All-Access.

Tutor course · Ages 13+
Every Wealthonauts lesson at the Advanced Wealthonauts level (Ages 13+), organized by planet, with graded quizzes. Included in All-Access.
One payment. Every course, every game level, and every new course we add.
Wealthonauts All-Access
A sample lesson, lesson previews and Level 1 of every game stay free. Purchases are made by a parent, guardian or teacher (18+). Try the first lesson of any course for free.
Missions combine lessons and games into short, guided paths.
Mission · Ages 8+
Learn what money is, travel through money history and build your first budget.
Mission · Ages 8+
Follow a loan from a simple promise to a home mortgage.
Mission · Ages 13+
For teens: shares, a stock simulator, the futures risk lesson and the futures simulator.
Each lesson starts with clear learning objectives. After that, an illustrated explanation and an everyday example connect the idea to real life. Then kids practice with a hands-on activity and check what they learned with a short quiz. Finally, a summary recaps the big ideas and links to a related lesson, a game or a worksheet.
Completing lessons, activities and quizzes earns XP. As explorers gain XP, they rise from Cadet to Explorer, Navigator, Commander and finally Master Wealthonaut. XP rewards learning only; it can never be exchanged for money or prizes. Track progress anytime in Mission Control.
In class, teachers can project lessons, print worksheets and assign missions without student accounts. In addition, source notes on complex lessons help educators review the content.
Badges celebrate learning milestones across the money universe.