Not a card app with education bolted on. JOH. Money is built as two separate propositions under one roof: content for parents to go through with a younger child, and content that speaks directly to teenagers and young adults finding their own financial independence, from someone who spent nearly two decades actually working in financial services.
Each course is a parent and child working through it side by side: a short piece to read together, a one-page conversation guide with the actual questions to ask, and a hands-on activity for the week. No card, no products named, just the conversations most families never quite get round to having.
Ages 5 to 7
The first money conversations: real coins, earning versus being given, and the discipline of waiting for something instead of getting it straight away.
Their first money, and their first real decisions about it.
Pocket money at this age isn’t about the amount, it’s about handing over a first genuine decision. Starting Out is built around that: small, concrete ideas a five to seven year old can actually grasp, done together rather than explained at them.
What it covers:
The amount was never the point. The decision was.
Get Starting Out →Ages 8 to 11
Pocket money done properly, a first real budget, and a first taste of running something of their own, right where the existing card apps stop at a balance and a chart.
This is the age the market forgot.
Plenty of apps will show an eight year old a balance. Almost none of them teach what to actually do with it. The Money Gap is built for exactly that space: real budgeting, real saving, and a first small business of their own.
What it covers:
Give them something to run, not just something to watch.
Get The Money Gap →Ages 12 to 14
Real budgeting, how advertising actually works on them, and the peer pressure to spend, addressed directly rather than avoided.
Old enough to earn, spend and be targeted by all three.
This is the age advertising, social pressure and in-app spending start working on them properly. Taking Charge names all of it directly, then builds the budgeting and goal-setting skills to actually manage it.
What it covers:
Nobody explains the advertising playbook to a thirteen year old. Somebody should.
Get Taking Charge →Ages 15 to 18
A first bank account, payslips and tax, credit and debt, and student finance, before they need any of it for real.
Everything nobody sits them down and explains.
A first current account, a first payslip, a first realistic look at credit and debt. Getting Ready covers the practical mechanics of early independence, so the first time they encounter any of it isn’t also the first time they understand it.
What it covers:
Getting ready beats catching up.
Get Getting Ready →Once someone’s an adult, this stops being something a parent teaches them and becomes something they can take for themselves. Same practical, no-product-names approach, aimed at the decisions that actually show up once you’re out on your own.
18 and Over
Credit, investing, debt used well instead of badly, and building something beyond a monthly wage, addressed directly to them, not through a parent.
Everything the school system never quite got to.
Real Independence is written first person, for the young adult taking it themselves: how credit files actually work, the honest difference between good and bad debt, how to stop living pay cheque to pay cheque, and how wealth actually gets built, and occasionally lost, in real life rather than on social media.
What it covers:
Nobody teaches you this at eighteen. That’s exactly the problem.
Get Real Independence →Every course is a one-off purchase with lifetime access, not a subscription. The FAQ goes through age bands, pricing and delivery in plain terms.