Learn by Doing,
in a Safe Environment.
Most adults learn personal finance the expensive way — by living through their own mistakes. Financial Life Simulation lets a student experience a full adult lifetime of money decisions, from age 18 to 85, before any of it counts.
You don't get a do-over on your twenties.
Compound interest. The true cost of a seven-year car loan. The difference between a Roth and a Traditional IRA. These are the lessons most people learn in retrospect — after the choices are already paid for. We think they should be lessons you experience first, in a place where mistakes only cost a few clicks.
of US adults say financial literacy should be a required subject in high school — but only 26 states currently require it for graduation.
— Council for Economic Education, 2024extra a typical household pays over the life of a first auto loan that wasn't shopped or negotiated — money quietly handed to the lender.
— Federal Reserve, household debt reportsUS adults cannot cover an unexpected $400 expense without borrowing or selling something. Often, the gap is a missing habit, not a missing dollar.
— Federal Reserve SHED surveySixty-seven years of decisions,
one semester of class.
A student starts at 18 with a career, a standard of living, and a bit of cash. They advance year by year — making decisions, weathering random events, paying bills, investing — and watch a long-term financial life take shape from their choices.
-
Step 01
Pick your starting life
Choose a first career, a standard of living, and how much you walked out of high school with.
-
Step 02
Make a year's decisions
Housing, transportation, insurance, savings rate, investment mix — all the choices a real year asks of you.
-
Step 03
Weather the unexpected
Real economic prices. Real market returns. Random events — a promotion, a fender-bender, an inheritance — shift the path.
-
Step 04
Advance — then try again
Run the simulation all the way to 85. Then run it again with different choices, and see how outcomes change.
A simulation is just a chance to learn these earlier.
Nobody told me that putting 4% in my 401(k) when my employer matched 6% was leaving money on the table. I learned that in 2019, at 31.D.K. — Hillsboro, OR
I treated my first credit card like it was free money. It took me until I was 28 to crawl out of $14,000 in debt.M.R. — Beaverton, OR
My parents talked about money like it was rude. I had no idea what an HSA was when I started my first real job.A.P. — Camas, WA
I bought too much house at 26 and sold it at a loss at 29. A simulation would have shown me the math in five minutes.J.M. — Gresham, OR
I wish I'd understood compound interest when I was 19, not when I was 39.S.L. — Portland, OR
My financial literacy class in eleventh grade taught me how to balance a checkbook. That was the whole curriculum.B.W. — Battle Ground, WA
I started investing at 33. If I'd started at 22 with the same monthly amount, I'd have nearly twice as much today.T.H. — Lake Oswego, OR
Three months of emergency fund seemed like a lot at 24. At 36, with two kids and a mortgage, it didn't feel like much at all.N.G. — Longview, WA
For teachers,
it's a working curriculum.
Teachers create a class tied to a real US city, so cost-of-living adjustments flow into every price in the simulation. From the dashboard, you monitor each student's progress, read their answers to reflection prompts, leave feedback, and grade as you go.
A default catalog of decisions and events ships with the app. You can edit any of them — or add your own — to match the curriculum your classroom is teaching.
See what teachers get →
Make the mistakes in the sim,
not in your twenties.
Sign your class up. Pricing is intentionally low.