???? California’s Premier Youth Financial Literacy Program · Grades 4–12
Teaching Kids How to
Build Wealth,
Create Opportunity,
and Make a Difference.
Most kids grow up never learning how money actually works. Schools rarely teach investing, entrepreneurship, or how to build real financial confidence.
We change that.
At FL4KID$, students learn how to earn, save, invest, budget, and think like entrepreneurs — starting as early as 4th grade.
Success isn’t just about building wealth. It’s about using wealth to create opportunity, solve problems, and strengthen communities.
San Francisco Bay Area
Unit Price Challenge
12 oz · $3.80
31¢/oz
32 oz · $6.40
20¢/oz ✓
✓ $202 saved 35%!
???? Invest those savings!
Marcus, 13
Isabel, 12
Mali, 13
Real Skills. Real Results.
1,500+ California students served since 2020
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California students served since 2020
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San Francisco Elementary School Division
Virtual Stock Market Investing Champions
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Signature Programs
Grades 4–12
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Free to Schools via
Title I & 21st CCLC Funding
Our Mission
Changing the Future by Raising Wealth Builders with a Heart.
We pull back the curtain on the financial ecosystems that shape our world — giving students the confidence, knowledge, and real-world experience to stop guessing, start building generational wealth, and create opportunities that strengthen their families and communities.
California AB 2927 (signed by Governor Newsom, June 29, 2024) requires all California high schools to offer a separate, stand-alone one-semester personal finance course beginning with the 2027–28 school year — and makes it a graduation requirement for the Class of 2030–31.
FL4KID$ helps your district build that foundation starting in 4th grade, so students arrive in high school already fluent in money.
???? Inform. Inspire. Involve. Invest!™
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8× San Francisco Elementary School Division Champions
FL4KID$ has won the National Virtual Stock Market Investing competition — San Francisco Elementary School Division — eight times, taking 1st place in all 8 trading seasons. No other Bay Area program comes close.
Championships
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???? Book a Program
Let’s bring FL4KID$ to your school.
Fill out the form above and our team will be in touch to schedule a discovery call and build your custom program proposal. Most schools are funded through Title I or 21st CCLC.
Six Signature Programs · Grades 4–12
Six programs. One financially fearless generation.
Each FL4KID$ program is a complete 10-week in-class session — hands-on, culturally relevant, and tied to real-world outcomes.
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Investing & Wealth Building
Grades 4–12 · 10 Wks
Virtual stock market investing, compound interest, and
long-term wealth strategies.
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8× San Francisco Elementary School Division Champions
Kidpreneur
Grades 4–12 · 10 Wks
Business creation, pitch decks, Tiger Tank, and the
Kidpreneur Fair.
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79% want to start a business after the program
From the Classroom to the Boardroom™
Grades 4–12 · 10 Wks
Exclusive C-suite access — executives share how leadership,
innovation, and financial decision-making shape careers.
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87% show improved career awareness and math engagement
BANK ON “Your City”
Grades 4–12 · 10 Wks
Students tour banks and financial institutions to see how
banking and investing work firsthand.
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94% understand core investing and banking concepts
The Startup Jar
Grades 4–12 · 10 Wks
Students build savings and entrepreneurial skills to fund
their future ventures — turning small habits into big dreams.
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90% of students want to open their first savings account
Tiger Tank Pitch Competition
Grades 4–12 · 10 Wks
Like Shark Tank — students pitch business ideas to industry
experts, gaining real-world entrepreneurial experience.
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79% want to start a business after Tiger Tank
Curriculum Arc
All the World Is a Classroom
From the grocery store to the corporate boardroom — FL4KID$ teaches California students in grades 4 to 12 that every moment is a money lesson. Students ages 9–18 learn financial concepts where they live, shop, play, and dream.
Grocery Store Math
Unit Price Challenge · FL4KID$
Classroom Lesson
Item
Before
Smarter
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Milk (12 oz)
$3.60
Name Brand
$1.99
Store Brand
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Bread
$5.99
Premium
$2.49
Store Brand
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Juice (6-pk)
$7.20
Brand Name
$2.80
Concentrate
Total
$16.79
$7.28
???? Saved: $9.51/week
➜ Invest $9.51/week →
$7,975 in 10 yrs @ 9%
Grocery Store Math
Unit prices · comparison shopping · invest the difference
Kidpreneur Fair
Profit, Loss & Reinvestment
Classroom Lesson
Item
Before
Smarter
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Ingredients
$18.00
No planning
$11.00
Bulk buy
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Booth supplies
$12.00
Last minute
$3.00
Reuse/share
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Marketing
$5.00
Printed flyers
$0.00
Free digital
Total
$35.00
$14.00
???? Saved $21 in costs → higher profit margin
➜ Reinvest the $21 profit →
grow revenue 40% next fair
Kidpreneur Fair
Cost of goods · profit margin · reinvestment
Concert Night
Bay Area Jam Fest · Opportunity Cost
Classroom Lesson
Item
Before
Smarter
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Ticket
$85.00
Floor seat
$35.00
Upper level
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Transit
$22.00
Rideshare
$8.50
BART
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Food + Merch
$87.00
Venue + T-shirt
$0.00
Skip both
Total
$194.00
$43.50
???? Saved: $150.50
➜ Invest $150.50 →
$356 in 10 yrs @ 9%
Concert Night Budgeting
Opportunity cost · smart swaps · invest the difference
Game Day Budget
San Francisco Giants · Oracle Park
Classroom Lesson
Item
Before
Smarter
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Ticket
$95.00
Field Level
$15.00
Bleacher Seat
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Transit
$7.50
BART
$0.00
MUNI
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Food
$18.00
Stadium
$0.00
Pack Lunch
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Souvenir
$34.00
Stadium
$0.00
Skip it
Total
$154.50
$15.00
???? Saved: $139.50
➜ Invest $139.50 →
$330 in 10 yrs @ 9%
Game Day Finance
Smart swaps · budget comparison · invest the difference
Daily Spending Habits
Compound Interest · FL4KID$
Classroom Lesson
Item
Before
Smarter
☕
Coffee (daily)
$5.50/day
Coffee shop
$0.50/day
Brew at home
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Lunch (daily)
$12.00/day
Buy every day
$3.00/day
Pack 4x/week
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Subscriptions
$45/mo
Multiple plans
$10/mo
Share plan
Monthly Savings
$0
~$136
???? Save $136/month starting at age 13
➜ $136/month @ 9% →
$1,902,267 by age 65
Daily Habits = Lifetime Wealth
Compound interest · $136/month → $1,902,267 by age 65
Charitable Giving
Wealth with a Heart · FL4KID$
Classroom Lesson
Maya’s Monthly Giving Plan — Age 14
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Cash donation from Kidpreneur Fair earnings
$10/mo
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Volunteer at local food bank
4 hrs/mo
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Tutors younger students in money math
2 hrs/mo
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Neighborhood cleanup
2 hrs/mo
???? 1-Year Community Impact
???? Cash: $120
???? Hours: 96 hrs
???? Tutored: ~24 kids
✨ Value: $1,560+
➜ $10/month invested from age 14 →
$18,341 by age 65 @ 9%
Charitable Giving
10% giving habit · community impact · wealth with a heart