Dollars&Dilemmas

── For Parents Who Take the Long View

Most financial education teaches mechanics: budgets, compound interest, the difference between a credit card and a debit card. We teach the decisions underneath: risk, time horizon, value, tradeoffs. These are the vital reasoning patterns your children need to succeed.

Join the first cohortRead the thesis
Ages
10–12
Cohort size
50 families
Status
Now open

── 01 / The Thesis

Financial decisions are the gameplay.

The product is a simulator. Your child runs a small life inside it. Allowance, opportunities, a few obligations, the occasional shock. Every decision is logged. There are no points and no streaks. The world continues, and choices compound.

The decisions are the curriculum. We put your child in front of real tradeoffs. Time against money. Certainty against upside. What feels good now against what compounds later. After each decision, the reasoning gets reviewed with you.

This is built for parents who already know that values transfer through decisions, not lectures. The simulator is the dinner-table conversation, structured.

Scenario 14 / Week 6

The dilemma

“Your friend's older brother is selling his bike for $80. You have $120 saved toward a $200 skateboard. He needs an answer by tonight.”

Buy the bike

Spend $80, delay skateboard 4 weeks

Pass

Stay on track for skateboard

Negotiate

Risk losing the deal

Your reasoning

── 02 / How It Started

It started as a class at the library.

In 2024, the founder began teaching a financial literacy curriculum at a public library in upstate New York for kids aged ten to twelve. By the second session, the waitlist was longer than the class.

The thing parents kept coming back for wasn't the budgeting worksheets or the explanations of interest. It was the part of the class where their child reasoned through an actual decision out loud and was asked, gently, why. Nothing else they had access to taught that.

A class at the library can't scale. The decisions can. We took the part that mattered, structured it into a simulator your child runs at home, and built the parent a seat across the table where the reasoning gets reviewed.

── 03 / Founding Cohort

We're starting with a small group of families.

The first cohort is fifty families. You get direct access to the founder, weekly parent office hours, and decision-by-decision feedback on your child's reasoning. Founding pricing is locked in for as long as you stay. We learn what works from this group, and what they say becomes the proof for everyone who comes after.

We read every application. Responses within 5 business days.