How Clubs Work

12 Week Program – The first 7 weeks are spent playing educational games that build the foundation of what money is and how it works. Often, we’ll bring in a guest speaker (a local business-owner or entrepreneur) to answer the kids’ questions about money and business –what their challenges were, how they’ve used their money to grow wealth, and so on.

For the next 5 weeks, the kids start and run their own business project, starting with brainstorming and market research, and then making the product and selling it. At the end they split the profits, and then each determine how they’re going to use their money, dividing it up into spending, investing, and giving to charity.


Interactive & Experiential – Instead of talking at kids, we give them an experience by playing games that have a lesson snuck in. This fun and interactive environment is one of the critical keys to our success.

One example of the kinds of games we play is called Escape from the Black Hole. Players move through the board acting out the choices that each character makes with their money – spending $200 on a pair of sneakers, investing $1,000 in a business, collecting $500 in passive income, and so on. Through this game, they get a powerful understanding of “the black hole” of spending, and they start to look forward to the growth of passive income.


Engaging with Parents – The club meets one afternoon a week. In the time in between, conversations with parents about what they’re learning will have them continually engaged and thinking about money. For example, when they start their business project, they may start their market research by asking Mom and Dad what kinds of products they would want to buy or what kind of “need” they could fulfill in their business. At the end of the program, they may ask for support in setting up their own investment account. These conversations support them in expanding their understanding of the value of money.


Concepts Introduced Include:

• The difference between spending and investing
• Using compound interest to double your money
• Creating passive income
• Starting a business

• Kids report new interest in saving and investing their money.
• Parents are seeing new levels of responsibility in their kids who have participated in the club.
• New ideas about money become the foundation for your kids to make wise choices.