Don’t learn finance.Experience it.
The Money Lab is a new kind of classroom — one where financial decisions have real consequences,
the economy shifts without warning, and every choice shapes the life that follows.
130+ events. 5 life phases. 4 branching paths. One semester. No textbook required.
Pilot programme open — inviting a small group of educators to be first. No cost. Full access from day one.
Students move through five life phases. Every financial decision carries forward into the next stage. One path branches into four.
Consequential.
Income, expenses, shocks, surprises, and every decision in between. A bad call in Phase 1 echoes in Phase 4 — just like real life. There’s no reset button.
Textbooks can’t replicate the tension of a real financial decision. A baby arrives. The market drops. Your parent gets sick. The pacing timer runs. The Money Lab can.
Full teacher dashboard, live event injection, class debrief tool, phase guide, achievement system, bilingual support, and printable student reports. Everything educators actually need.
Four very different outcomes.
At the end of High School, students choose their direction. Different events, different debt, different starting pay — convergence at Early Career shows the compound effect of every decision before it.
Student loans, credit building, spring break decisions, tax refunds — and the compound decision of how much to borrow vs earn. University track adds daily spending habits: coffee, delivery, discounts.
Transfer strategy, secured credit cards, social pressure, and a 2-year runway to build savings nobody else has. Often the highest-ROI educational decision — the simulation shows why.
Apprenticeship pay from day one, tool investments, union decisions, overtime, and the option to launch an electrical contracting business in Family Life. Zero new debt, strong income trajectory.
First career choice, night school, side hustle income, benefits enrollment — and the first salary negotiation most people never attempt but almost always win.
actually needs.
The full platform is built and working. Pilot educators get access to all of this from day one.
6-tab control centre: Overview with live class stats and charts, Leaderboard with achievement badges, Students with decision histories, Live Events injection, Class Debrief, and Phase Guide with 5 phases of teaching content.
Educator ToolTeacher injects class-wide economic shocks mid-session — Market Crashes, Tech Layoffs, Housing Crashes, Gig Economy — or targets individual students with private life events: marriage, redundancy, inheritance, health diagnosis.
High ImpactThe Life Randomizer assigns private events to individual students at phase transitions — some get married young, others get made redundant, one inherits $42,000. No two students have the same simulation. Debrief discussion writes itself.
Unique to Money Lab30 achievements across 4 tiers — life milestones (💍 Marriage, 🏠 Homeowner), financial medals (💎 $50K saved, ✂️ Debt Free, 🏆 $500K net worth), decision quality, and goal completion. Earned live with toast notifications.
30 AchievementsStudents write a life vision and set 3 measurable goals at the end of High School. Goals are tracked at every phase — on track, at risk, or achieved. Goal achievement adds bonus points to the final financial health score.
Student-OwnedTeacher-controlled countdown visible to every student simultaneously. Green → amber → red as time runs down. Creates decision pressure that makes lessons stick — the same urgency of a real financial deadline.
Classroom ControlEvery decision logged as a running ledger — debit, credit, running balance. Toggle between stats view (donut chart, trend line) and ledger view. Net worth journey chart, phase impact bars, asset distribution. All on the completion screen and in the print report.
Full RecordsAfter every session, compare every student’s decision at 6 key moments side by side. Class split bars, grade distributions, student reasoning revealed — pre-loaded with discussion prompts designed to drive 20 minutes of structured conversation.
Discussion DriverBranded completion certificate for every student: financial health score with shield, goals achieved, achievement badges, vision quote, decision summary. Printable and shareable — a real output students can keep.
PrintableA fully separate simulation for ages 11–14. 3 phases, 18 events, $5–$280 decisions. Pocket money, first earnings, compound interest introduction, online scam recognition — no credit scores or debt. Complete Korean translation included.
Ages 11–14300–950 score tracking net worth, credit, retirement savings, debt, happiness, and income. Live sparkline trend visible throughout the simulation. Level-aware — Middle School uses a separate scale appropriate for $5–$280 decisions.
MeasurableSwitch between USD and KRW at any point. Teacher sets the exchange rate or fetches the live rate. Every number in the simulation recalculates instantly — ₩1억, ₩2백만, exact to the current market. Full Korean translation across all 130+ events.
EN · KOof the room.
Set the pace, inject shocks, track every student, and run a structured debrief after every session. Everything from one dashboard.
- Advance or hold class phase for all students simultaneously
- Inject economic shocks and personal life events mid-session
- See every student’s financial position and decision history live
- Phase Guide with teaching points, concepts, and discussion questions
- Class Debrief pre-loaded with comparison data and discussion prompts
- Set class code, pacing timer, and currency display from one dashboard
Every decision matters. Every choice carries forward. The pressure is real — and that’s the point. No two simulations are identical.
- Choose your path: University, Community College, Trades, or Workforce
- Navigate 130+ financial events across 32 simulated years
- Live dashboard: net worth, credit score, savings, retirement, happiness
- Earn 30 achievements as you hit milestones — life and financial
- Set personal goals at 16. Track them for the rest of the simulation.
- Private life events arrive unexpectedly — just like real life
translation.
Every string in the simulation — UI, event bodies, financial insights, context strips, shock events, all 5 phase teaching guides, and the completion certificate — is available in Korean. Switch at any point without losing progress.
part of this.
Pilot Programme.
We’re inviting a small group of financial literacy teachers to be first to use The Money Lab. No cost. Full access from day one. We just ask for honest feedback.
[email protected] →