Money School

Money lessons for teens, students and first jobs

Three tracks, twenty-one short lessons. Every lesson is a three to five minute read with one example, one mistake to avoid, one action and a question you can take straight to Monet. Free to read — sign in if you want your progress saved.

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Ages 13–18

Teen Money

The mechanics nobody teaches in school: where to keep money, what a paycheck really pays, how credit starts, and how to spot a scam before it costs you.

• Bank accounts: checking, savings and why both
• Your first paycheck: gross, net and the missing money
• Budgeting that survives a real week
• Credit basics: what a score actually measures
• College costs: the sticker price is not the price
• Scam awareness: pressure is the tell
• First investing concepts: ownership and time

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Students and recent grads

College Money

Borrow less, understand what you signed, handle an internship paycheck and a first lease, and start investing while you are still in school.

• Student loans: know what you signed
• Budgeting on an irregular income
• Internships and paychecks: W-2 vs 1099
• Taxes for students: filing, credits and refunds
• Building credit in college, safely
• Roth IRA basics while you are in a low bracket
• Renting and your first apartment

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Early career

First Job

Set up the benefits, the match, the reserve and the investing habit in your first two years, while the decisions are still small and easy to change.

• Reading your employer benefits package
• 401(k) and the match: the first thing to capture
• HSA basics (and whether you qualify)
• The emergency fund, built in stages
• Clearing debt in the right order
• First car and first apartment, without overcommitting
• Investing foundations after the basics are covered

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Learning badges

Badges mark lessons finished. They are educational only — they never represent money saved, earned, invested or returned, and they are not a qualification or a credential.

Teen Money Graduate

Finished all seven Teen Money lessons. An education badge — it says what you learned, not what you own.

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College Money Graduate

Finished all seven College Money lessons. An education badge — progress through the material, nothing more.

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First Job Graduate

Finished all seven First Job lessons. An education badge that reflects learning, not income or assets.

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Money School Graduate

Finished all three tracks. An education badge — it reflects lessons completed, nothing financial.

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Educational guidance, not personal advice. Outputs are illustrative, may contain errors, and should be independently verified before material decisions.