content="A screen-free, printable allowance system that teaches kids ages 6–14 real financial skills — from counting coins to compound interest.">
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Screen-free · Printable · Ages 6–14

Raise a kid who actually understands money.

A hands-on system that grows with your child — from counting coins at 6 to compound interest at 14. Plus a Business Blueprint for young entrepreneurs ages 8–13. Built by a Vermont store owner who spent a decade watching teens enter the workforce financially unprepared.

3
Levels that
build on each other
6–14
Age range
covered
2
Ways to get it:
print or shipped kit
Family doing a Money Meeting with Aldo's Allowance Academy
Real families. Real skills.
A weekly Money Meeting changes everything.
New · Preorder

Now available as a
physical kit.

The complete allowance system, professionally printed, assembled, and shipped to your door. Ships by December 10.

Level 1 · Physical Kit
🐣
Wise Owlets Club
Suggested Ages 6–8 Ships December 10
  • Parent Guide & Kid's Book
  • Ledger Book to record every transaction
  • Hoot Loot Bonus Bucks play money
  • Laminated Allowance Chart & Monthly Calendar with dry-erase marker
  • Save, Spend & Give jar labels + Aldo envelopes
  • Golden Feather Awards & stamp stickers
$79Free shipping
Pre-Order Now →
Level 2 · Physical Kit
💰
Smart Cents League
Suggested Ages 9–11 Ships December 10
  • Parent Guide & Kid's Book
  • Your child's own checkbook of pretend checks
  • Pretend invoices to pay each month
  • Tax credit & refund forms for a real tax season
  • Parent-match savings agreement & tracker
  • Insurance claim, laminated calendar, ledgers & jar labels
$89Free shipping
Pre-Order Now →
Level 3 · Physical Kit
🎓
Financial Flight Society
Suggested Ages 12–14 Ships December 10
  • Parent Guide & Kid's Book
  • Pretend checkbook & invoices
  • Loan agreement & payment tracker
  • Credit report & compound interest tracker
  • Full tax season: credits, deductions & refund forms
  • Four custom bank envelopes, ledgers & laminated calendar
$99Free shipping
Pre-Order Now →
Best Value · Ships Dec 10
The Complete System — All 3 Physical Kits
Every level, from first allowance to real-world finance, in one preorder.
Prefer to Start Today?

Download and print
at home, start this weekend.

Not ready to wait for a shipped kit? Every level is also available as an instant digital download, the same complete system printed at home tonight. Each level includes a Children's Guidebook and a Parent's Guide. Digital levels start at $19, or get all three for $49.

Level 1
🐣
Wise Owlet's Club
Suggested Ages 6–8
  • Coin identification & counting
  • Spend, Save & Give jar system
  • Budgeting & expense tracking
  • Hoot Loot Bonus Bucks rewards
  • Weekly Money Meetings with family
  • Learning to address & mail envelopes
Level 2
💰
Smart Cents League
Suggested Ages 9–11
  • Gross vs. net pay & 5% tax system
  • Writing & signing real checks
  • Monthly bills: rent, utilities, insurance
  • Insurance claims process
  • Parent-match savings (like a 401k)
  • April tax return with credits & refunds
Level 3
🎓
Financial Flight Society
Suggested Ages 12–14
  • Compound interest & investment tracking
  • Loans, interest & repayment schedules
  • Credit score system (starts at 70)
  • 4-account envelope system
  • Federal tax, state tax & FICA deductions
  • First job interview prep & workplace tips
Best Value
Get All 3 Levels
Everything from ages 6 through 14 — one purchase, instant download.
The System

It becomes part of
your family's rhythm.

No apps. No screens. Just real conversations, real practice, and real confidence — built week by week.

1
Download & print your level
Each level includes a Parent's Guide and a Children's Guidebook with all the printable forms, charts, checks, and trackers you need.
2
Hold your first Money Meeting
Sit down together, introduce the system, and complete the first allowance chart. The parent guide walks you through every conversation, including what to say when your child pushes back.
3
Build the weekly habit
Each week, your child earns their allowance, calculates deductions, pays bills, and makes intentional choices about saving and spending — with you right there.
4
Watch the skills compound
As your child grows, advance through the levels. By the time they get their first real paycheck, nothing on it will surprise them.
Questions

Things parents ask us

Do I have to start with Level 1?
Not necessarily. If your child is already comfortable with basic money concepts, you can start at the level that matches their age and skills. Each level is designed to stand alone, though they build beautifully on each other. When in doubt, start one level earlier than you think — it's much better to build confidence than to overwhelm.
How long does each level last?
Each level is designed to last for years, not weeks. The printable materials are reusable or easily reprinted. Most families spend 1–3 years per level depending on when they start and how quickly their child progresses.
How much allowance should I pay?
The guides include suggested amounts and ranges, but this is entirely up to you. The system works at any allowance amount — the percentages and proportions are what matter, not the specific dollar figures. Many families start very small and increase as kids take on more responsibilities.
What do I actually receive when I purchase?
That depends on which format you choose. With the digital version, you get an instant download of the Parent's Guide and Children's Guidebook for your level, which you print at home or at a local print shop, with nothing shipped and no subscription. With a physical kit, everything is professionally printed and assembled and shipped to your door, ready to use.
Is this available for schools or libraries?
For classrooms, check out Aldo's Classroom Economy — a 4th through 6th grade curriculum created for schools.
Start Today

Your kid's first paycheck shouldn't be a surprise.

Give them the foundation that most adults wish they'd had. Download instantly, print at home, start this weekend.