A money unit your students will actually finish.

Why it is worth the hour

Three things a teacher cannot easily get elsewhere. A unit with no student data in it, which is the single hardest problem in school software and the one that stalls most purchases. A before and after score for every student, which is what a principal needs to justify the time. And lessons that are something to do rather than something to watch: a student who finishes can read a pay stub, knows why a retirement account is not a savings account, knows what a credit card is for and is not, and has already been pitched a sure thing on a screen and watched it fail, before it happens in a parking lot.

How it scales

Because there are no student accounts, adding a student costs a name on the roster and nothing else. A class, a school, and a district differ only in how many rosters exist and who sees the rollup. Every lesson is written once and rechecked against its sources on a schedule, so a thousand classrooms read the same corrected page the day it is corrected. One teacher can run it the afternoon they sign up.

What a class gets

The teacher makes a roster and prints a sheet of usernames and six character codes. Students go to one address, type the two things, and are on the youth road in class mode, where every number is a practice number and the page says so. The unit opens with five arithmetic questions in the student's practice numbers, runs through six class sessions of about twenty minutes, each built on one lesson with something to do and an arithmetic check, and closes with the same five questions. Between the steps the student plays My goal, picking something they want and playing forward month by month on real market history with real surprises. The teacher's view shows one row per student: each step, whether the check passed and on which try, the before and after score, the goal reached and in how many months against the same student saving only and investing from day one, and the practice game result. Six lesson plans, one per lesson with the answer to each check, and a printable certificate naming what was learned are ready.

Fair for every student

The five questions are drawn for each student from a pool of ten, in that student's own practice numbers, so two students side by side are working different problems with different figures, and the page marks each answer on its own. The same five come back at the end for the same student, which is what makes the before and after pair honest. The teacher sees tries and scores, never the answers, and nothing in the unit is a grade; it is a measure of what moved. A student who copies a neighbor copies the wrong answer to a different question.

What it never does

It never asks a student for a real number, an email, a phone, a photo, or a location. It never shows a teacher anything but the roster, progress, and scores. It never recommends a product, an account, or a fund, and every sentence a student reads was checked for advice language before it was published. It carries no sponsor.

Compliance

Every student on a roster is treated as a child under COPPA regardless of age, and the school's consent stands in for the parent's as the law allows for classroom use. Where a school shares a roster, Wealthy Habitat acts as the school's service provider under FERPA and uses the roster for nothing else. The roster holds a display name, a parent's name if the school enters one, a username and a code for each student, with lesson progress and the date of the last visit. No student account, no email, no real number. The student data agreement is written in plain words for a district's counsel to mark up, and is signed before students join wherever a state requires one. Accessibility checks against the WCAG level schools require are being added to the release process, and each lesson plan will name the standard it meets only after verification against the state's own document.

What it costs

$149 a class a school year, up to 40 students; a larger class is bought as two. $999 a year for unlimited classes at one school with a rollup view. Districts from $4,000, quoted. Billed by purchase order and invoice with thirty day terms; a W-9 and vendor forms are provided; a teacher paying from a classroom budget may pay by card. The first class at a youth program is free as a reference site.

What is still being built

Today the unit is for grades nine to twelve. A grades three to five unit that starts from where money comes from, and a grades six to eight unit that starts from the first job, are next. A Spanish version of the youth unit is in progress. A class bought now includes those as they arrive.

Start

A teacher can make a class now and try it with a test roster before anything is signed or paid. To bring it to a school, write to admin@wealthyhabitat.com; a one page summary follows, and the data agreement as soon as it is ready.