Ledger & Learn ™
The Complete Financial
Literacy Pathway
A Curriculum for Every Stage of Life
Explore five simulation-based programs that take children from their first coins to financial independence, with a sixth course coming soon. Real decisions. Real consequences. Real-world money skills for life.
• Five Programs Available Now — Sixth Coming Soon
⦿ Ages 5–7 · Money Seeds™
⦿ Ages 8–10 · Money Grows™
⦿ Ages 11–15 · Money Ready™
⦿ Ages 15–18· Money Strong™
⦿ Ages 15–18· Money Builders™
Coming Soon
⦿ Ages 18–25· Money Launched™
Meet the Founder Behind Ledger & Learn™
Bev founded Ledger & Learn™ to help the next generation build practical money skills through real-world simulations. With 30+ years in forensic bookkeeping and 28 years at IHG, culminating in finance technology leadership, she brings decades of professional experience to financial education.
Explore
Five Programs
Find Your Child's Place
on the Pathway
Every program builds on the one before. Every simulation compounds the skills already learned.
Tier 1 of 6
Money Seeds™
Ages 5–7 · 5 Weeks
Available Now
Earning tokens through family jobs, dividing money into pots, and practicing saving, spending, and sharing.
Tier 2 of 6
Money Grows™
Ages 8–10 · 8 Weeks
Available Now
Running a market stall, tracking sales and expenses, repaying a seed loan, and calculating profit.
Tier 3 of 6
Money Ready™
Ages 11–15 · 8 Weeks
Available Now
Managing paychecks, housing costs, banking, credit, savings, debt, and unexpected expenses.
Tier 4 of 6
Money Strong™
Ages 15–18 · 9 Weeks
Available Now
Navigating a first job, taxes, paychecks, insurance, car expenses, and education choices
.
Tier 5 of 6
Money Builders
Ages 15–18 ·
Coming SOON
Entrepreneurship - Build a business from the ground up.
Tier 6 of 6
Money Launched™
Ages 18–25 · 9 Weeks
Available Now
Making independent financial decisions, planning for long-term goals, and building a personalized 10-year financial roadmap.
"A child who starts Money Seeds at age 5 and completes the full pathway arrives at 25 more financially literate than most adults, with habits, vocabulary, and decision-making skills built over twenty years."
Ledger & Learn™ · From First Coins to Confident Decisions
Explore Our Available Courses — One Coming Soon
Five Programs.
One Pathway. A Sixth Coming Soon.
Each available course includes a complete learning kit: textbook, workbook, simulation cards, and parent/teacher manual. Purchase courses individually or get the five-course pathway in one bundle and save $55.
🌱 🌿 📊 💪 🚀
The Complete Pathway Bundle
Twenty years of financial education in a single purchase. Start your child wherever they are on the pathway, and have every future tier ready the moment they're old enough. Built for multi-kid families, homeschool co-ops, and parents who want the entire curriculum locked in at once.
Best Value
$305 if purchased individually
$250
Save $55
Or Choose Individual Courses
🌱
Money Seeds™
Ages 5–7 · Parent-Led
$49
One-time
"The Family Economy"
Kids earn tokens for real jobs, divide pay into Plant/Pick/Share pots, and shop at the Home Store. Every lesson teaches a concept the child immediately applies that week.
5 Weeks · Tier 1 of 6
🌿
Money Grows™
Ages 8–10 · Semi-Independent
$49
One-time
"Maple Street Market"
Students borrow a $20 seed loan, launch a market stall, and run it for 8 weeks, tracking profit, repaying debt, and finishing with a full P&L statement.
8 Weeks · Tier 2 of 6
📊
Money Ready™
Ages 11–15 · Independent Study
$69
One-time
"The Real Life Budget"
Students select a career, receive a real paycheck with deductions, choose housing, and manage a budget then life happens. Every decision compounds forward.
8 Weeks · Tier 3 of 6
💪
Money Strong™
Ages 15–18 · First Job Ready
$69
One-time
"The First Job Files"
Students get hired, fill out tax forms, and receive bi-weekly paychecks. Life events escalate, car insurance, an $800 repair, and the real math behind three post-secondary paths.
9 Weeks · Tier 4 of 6
🚀
Money Launched™
Ages 18–25 · Self-Paced
$69
One-time
Your Financial Life"
Move out, accept a job offer, and make 13 weeks of compounding decisions. Every choice affects the next. Week 13 produces a complete 10-year personal financial roadmap.
13 Weeks · Tier 5 of 6
Money Builders
Ages 15–18 · Self-Paced
One-time
Your Financial Life"
Move out, accept a job offer, and make 13 weeks of compounding decisions. Every choice affects the next. Week 13 produces a complete 10-year personal financial roadmap.
13 Weeks · Tier 6 of 6
What You Get in Every Course
Each program is a complete, ready-to-teach kit
Student Textbook
Simulation / Event Cards
Teacher / Parent Manual
Complete Answer Key
Student Textbook
Simulation / Event Cards
Teacher / Parent Manual
Complete Answer Key
The Method
Life Doesn't Wait.
Neither Does This Curriculum.
Event Decks are what separate Ledger & Learn™ from every worksheet-based financial literacy course. Students don't learn about emergencies. They experience them, inside a budget they built themselves, with money they actually tracked.
A car repair hits in Week 3. A bonus arrives in Week 5. Prices rise in Week 6. Every event has a consequence that follows the student forward. The decisions compound, exactly like real life.
🚨 Emergency
Car Repair
Your car needs brake work. Cost: $680. You need it to get to work. What do you do?
💰 Windfall
Work Bonus
Your manager awards you a $400 performance bonus. Save, spend, or pay down debt?
📈 Inflation
Prices Rise
Groceries up 15%. Gas up $0.40/gallon. Your income hasn't changed. Adjust your budget.
⚡ Life Event
Rent Increase
Your landlord raises rent by $150/month starting next month. What moves in your budget?
Why It Works
Simulation Changes
Everything
🎯
Decisions, Not Definitions
Every program puts students inside a simulation where they make real financial decisions, before those decisions cost real money. The consequence follows them forward, exactly like life does.
🔗
Every Tier Builds on the Last
Vocabulary, skills, and concepts carry forward from program to program. A student who completes Money Grows enters Money Ready already knowing what a ledger, a budget, and compound interest are.
🏠
Built for Real Families
Designed for homeschool co-ops, independent learners, and classroom use. 65–90 minutes per week. Everything included no subscriptions, no add-ons, no surprises.
From First Coins to Confident
Decisions
Start the Journey Today
All five Ledger & Learn™ programs are available now, with a sixth course coming soon. Purchase courses individually or get the Complete Bundle for $250 and save $55 compared with buying each course separately.
"We're Here To Help"
"Get In Touch"
"Questions about Ledger & Learn? You can reach me directly
Georgia, USA
© 2026 Ledger & Learn™. All rights reserved.
From First Coins to Confident Decisions