Money Basics & Budgeting
Students learn how to track money, prioritize needs, and build simple budgets.
SmartSlaps Guardian Profile
Financial Literacy & Responsible Planning
🦫💰 Penny the Beaver
💰📈 Future Builder
Penny introduces earning, spending, saving, and planning for a goal.
Class
Future Builder
Mission
Teach Financial Literacy
Best For
Young Planners
Life Guardian
Plan a small budget
Use pretend money to compare a few choices and explain what you would save or spend.
Budgeting
Saving
Investing
Planning
Explore this subject
Money and planning with Penny
Use everyday examples or pretend money to compare spending choices. Make a simple plan for a goal and explain the choices involved.
Saving & Discipline
Penny teaches how small savings grow over time and why patience beats impulse decisions.
Ownership & Investing
Students begin to understand ownership, business, and how to build long-term value.
TypeFuture Builder
SubjectFinancial Literacy
MissionTeach Smart Planning
Best ForYoung Planners
FocusMoney & Decisions
Age FitUpper Elementary+
Traits
Guardian Attributes
Prepared
Disciplined
Thoughtful
Practical
Resourceful
Subject Links
Learning Areas
Math
Economics
Entrepreneurship
Consumer Literacy
Guardian Abilities
Signature Powers
Money Basics & Budgeting
Penny teaches how to track spending, separate needs from wants, and build simple budgets.
Saving & Interest
Students compare saving and spending choices and make a plan for a goal.
Ownership & Investing
Penny introduces ownership, business thinking, and building long-term value.
Smart Decision Making
Financial choices shape life outcomes, Penny helps students think before they spend.