Your child will budget, invest, and run a business — before most adults ever learn to

An interactive platform where kids learn to save, earn, invest, and build — through story-driven lessons, business simulations, and a personal financial coach. Ages 6–18.

Try It Free for 7 Days Try a Simulation Below ↓

Built for families who believe financial education shouldn't wait.

Try It Yourself

Experience a real simulation

This demo is from Goldie's World (ages 13–18). In Lili's World, the same concept is taught through Lili and Goldie's story adventure.

This is exactly what your child sees. Make a decision and watch the consequences.

You just earned $10 for helping your neighbor wash their car. Your savings jar has $15 in it. You've been wanting a skateboard that costs $45. Your friend just invited you to the movies — tickets are $8.

What do you do with your $10?

What's Inside

Everything your child needs to become financially confident

Not just lessons. A complete learning ecosystem that grows with your child.

#1 Feature

⚡

Business Simulation Engine

Your child starts a virtual business from scratch — a lemonade stand, tutoring service, or tech startup. They face competitors, set prices, hire staff, and handle market crashes. Every decision has real financial consequences with clear feedback.

📚

Interactive Lessons

Story-driven scenarios where your child reads a real financial situation, makes a decision from 3 choices, and sees the consequence. 54 levels covering saving, budgeting, investing, taxes, credit, and 20+ more topics.

5/day

🪙

Coach Goldie

Your child's personal financial coach — asks questions, gives feedback, and adapts to where they are in their learning. From saving basics to investing strategy, Coach Goldie meets your child where they are with clear, age-appropriate guidance.

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The Goldie Book Universe

Two series, one journey. Ages 8–12: Lili and Goldie teach money through story and adventure (6 books). Ages 13–18: The Goldie Series gets real — identity, business, investing, and legacy (5 books). Read in-app or buy print/digital.

11 Books

Two Worlds, One Journey

Goldie grows up with your child

Younger kids learn through stories and adventure. Teenagers get real-world frameworks for money, business, and legacy. Same platform, completely different experience.

📖

Lili's World

Ages 6–12

Goldie is a magical coin who takes Lili on adventures. Every story teaches a money concept — saving, earning, budgeting, giving — in language a child feels, not just hears.

27 levels from "What Is Money?" to "When Money Works FOR You." Story-driven lessons, business simulations, daily challenges, and the complete 6-book Lili Series built into the app.

Designed for 15 minutes a day. 3–6 months of guided content + infinite sandbox mode.

Graduates to →

🚀

Goldie's World

Ages 13–18

No fairy tales. Goldie speaks directly to your teenager about identity, business, investing, and building something that lasts. Real examples. Real numbers. Real consequences.

27 levels from "Money: The Social Contract" to "Financial Freedom." Business simulations with hiring, competitors, and market crashes. Stock market simulator. Coach Goldie. The 5-book Goldie Series.

A 16-year-old with zero money knowledge starts at Level 1. No shame. Just a smarter starting point.

Inside the App

A peek at what your child experiences

Built to feel like a game, teach like a tutor.

⚡ Challenge · Scene 2/7

The Shoe Situation

$10 left after lunches. Lili's shoes leak when it rains. Forecast says rain Thursday...

ABuy the shoes — dry feet beat a pretty phone

BPhone case — shoes still mostly work

CSave the $10

✓ Smart choice! +14 coins

💰 My Money

$47.50

62%

Saved

28%

Spent

10%

Given

This Week

Saving rate up 12% this week ↑

🏆 Progress

Hila

Level 8 · Lili's World

🔥 12 day streak

🪙

1,240

Coins

⚡

850

🎯

3/5

Goals

Rare Badges

🪙

💎

🏆

Why This Works

Most apps teach. Ours trains.

There's a difference between knowing about money and being able to make smart money decisions. Watch:

❌ What most apps do

📺

Passive Learning

Your child watches a video about compound interest. They nod along. The next day, they've forgotten 80% of it.

✖ No decisions made
✖ No consequences felt
✖ No real judgment built

✔ What we do

⚡

Active Decision-Making

Your child makes a decision about compound interest and watches the 10-year consequence unfold. They feel the difference between 3% and 8%.

✔ Every answer is tracked
✔ Every choice has consequences
✔ Builds real financial judgment

The result: Kids don't just know about money — they can actually make decisions with it.

How It Works

15 minutes a day changes everything

Child picks their world

Lili's World for ages 6–12, or Goldie's World for ages 13–18. All content — language, scenarios, books, and simulations — adapts to match.

Daily lessons + simulations

Story-driven lessons where they make real financial decisions. Then practice in the business simulation.

Knowledge compounds daily

Like compound interest, daily financial practice builds an advantage most adults never develop. Track progress in the parent dashboard.

Pricing

Start free. Upgrade when you're ready.

7-day free trial on Premium. Cancel anytime. No credit card required to start.

Free

$0/forever

Complete 3 full levels in either world
Run your first business simulation
Read Book 1: Lili & the Runaway Coins (full book)
Daily flashcard challenges
See how the platform works before committing

Start Free

Premium

$9.99/month

Both worlds — all 54 levels unlocked
Full simulation + infinite sandbox
Complete Lili Series (all 6 books)
Coach Goldie personal coach
Stock market simulator
My Money tracker
Parent dashboard
All badges, challenges, and partnerships
Read to Me voice narration
Cloud sync across all devices

Start 7-Day Free Trial

🔒 30-day money-back guarantee ↻ Cancel anytime, no questions 🔐 Secure payment via Paystack

Start your 7-day free trial. No credit card required to start. Your subscription begins on day 8 unless you cancel.

Why This Exists

I built the thing I wish someone had given me as a child

Where I grew up, nobody talked about money. I made it — more than my family had ever held — and lost all of it. Not because I was careless, but because no one had ever shown me how money actually works. What stayed with me wasn't the loss. It was realizing the lesson had been available my whole life, and no one had handed it to me. I couldn't watch another generation grow up into that same silence. Smart Money Series exists because I decided no child I could reach should have to learn the way I did.

— Eli Alato, Founder

Read my full story →

FAQ

Common questions

Smart Money Series is designed for children ages 6–18, split into two worlds. Lili's World (ages 6–12) teaches money through stories and adventure — Goldie is a magical coin who guides your child through 27 levels of saving, earning, investing, and beyond. Goldie's World (ages 13–18) drops the fairy tales — Goldie speaks directly to your teenager about identity, business, investing, and legacy across 27 levels. Same platform, completely different experience.

About 15 minutes per day. Each lesson takes 3–5 minutes, and the daily limit is 5 lessons. This is intentional — financial education works best in small daily doses, like compound interest for the brain.

Yes. We use Firebase for secure authentication and data storage. All data is encrypted in transit. We don't show ads, don't sell data, and comply with children's privacy laws including COPPA. Parents have full visibility through the Parent Dashboard. Read our Privacy Policy for full details.

Yes. Cancel your subscription at any time with no penalties. The 7-day free trial gives you full access to everything — if it's not right for your family, cancel before the trial ends and you won't be charged.

Yes. Smart Money Series is a web app that works on any device with a browser — phones, tablets, laptops, and desktops. No app download required. You can add it to your phone's home screen for an app-like experience — it works just like a native app, with its own icon and full-screen mode.

The app is the interactive learning platform — lessons, simulations, games, and Coach Goldie. The books are the story and reading companion. The Lili Series (ages 8–12) is built into the app for premium subscribers, and also available as print books. The Goldie Series (ages 13–18) is a standalone book collection for teens who want deeper, real-world financial education. You can use either independently, but together they're the complete experience.