Global 
💰 G-Yuva Money Challenge
Free · Grades 1–12 · 300 money questions
Earn it. Grow it. Make it count.
The money lessons most schools never teach: what money is, earning, saving, budgeting, banks, credit cards, investing, scams, homes and loans, and planning a life of choice. Learn here, then practice with real money at home.
1 · Your level
2 · Your challenge
🧮 Money tools
Do the money math.
Try real numbers. See why saving early, paying more than the minimum and budgeting work.
🎯 Savings goal
How long until you reach your goal?
🌱 Compound growth
Watch money grow with time (example rates only).
💳 Credit card payoff
See the minimum-payment trap for yourself.
🧮 50/30/20 budget
Split your monthly take-home pay.
📘 Download
Your Money Workbook.
All 60 questions for your level, in one PDF.
Print it, write in it and use it at the kitchen table or in class.
- 10 money topics, 60 questions with space for your choice and your why
- Answer key with the money principle behind each one
- 12 true money stories, money wisdom and the principles glossary
- Your Money Plan and a 30-day money habit tracker
Money Workbook
Today’s money wisdom
Timeless words about money.
The curriculum
Ten money topics. One smart life.
From what money is to planning your future. Each topic has 6 questions at every level, a money rule and real-life missions.
The ideas behind it
39 money principles.
Every question teaches one of these principles, from economics, research and timeless wisdom.
Money replaced barter because everyone trusts and accepts it.
Economics fundamentalsCover what you need first; then choose wants you truly value.
Inspired by the CFPB’s Money as You GrowEvery choice gives something up: the next-best thing you could have had.
Economics fundamentalsSave a part of all you earn before you spend.
George S. Clason, The Richest Man in Babylon (1926)Waiting for a bigger reward, and using strategies that help you wait, is a powerful habit.
Walter Mischel’s research at Stanford UniversityMoney earns interest, then that interest earns interest too. Time is the secret.
Mathematics of financeDivide 72 by the yearly growth rate to estimate how many years it takes money to double.
Luca Pacioli, Summa de arithmetica (1494)Prices tend to rise over time, so cash that just sits buys a little less each year.
Economics fundamentalsA budget is a plan that tells your money where to go before you spend it.
Global Yuva money principleAbout half for needs, about 30 percent for wants and at least 20 percent for saving.
Elizabeth Warren and Amelia Warren Tyagi, All Your Worth (2005)Savings for surprises keep a bad day from becoming debt.
Common financial-planning guidancePeople pay for work that solves problems and helps them.
Global Yuva money principleSkills and education are your most valuable lifelong asset.
Human capital research, Gary S. Becker, University of ChicagoFind a problem people will pay to solve. Profit is revenue minus costs.
Global Yuva money principleHonest money builds trust. Dishonest money costs you far more.
Global Yuva money principleUse insured accounts, protect your PIN, and check your statements.
FDIC (created 1933) and NCUA deposit insuranceFees and interest rates make a big difference over time.
Global Yuva money principleBorrowers pay interest; savers earn it.
Economics fundamentalsCredit is a promise to repay, often with interest.
Economics fundamentalsPaying on time and keeping balances low build a strong score (FICO range 300–850).
FICO scoring factorsPaying only the minimum keeps you in debt longer and costs much more.
Consumer finance research and CFPB guidanceHigher possible rewards usually come with higher risk.
Finance fundamentalsOwning many different investments lowers risk.
Harry Markowitz, portfolio theory (1952; Nobel Prize 1990)Broad, low-fee funds help most investors keep more of their returns.
John C. Bogle, The Little Book of Common Sense Investing (2007)Time in the market usually beats trying to time the market.
Long-term investing lessons, including Warren Buffett’sInterest, inflation and diversification: three ideas many adults get wrong.
Annamaria Lusardi and Olivia S. MitchellFast feelings like fear and FOMO lead to costly mistakes.
Daniel Kahneman, Princeton UniversityAutomatic saving and smart defaults make good habits effortless.
Richard Thaler and Shlomo Benartzi, Save More Tomorrow (2004); David Laibson, Harvard UniversityGuaranteed riches, prizes with fees and pay-by-gift-card demands are scams.
FTC consumer adviceNever share passwords, PINs or codes. Use two-step sign-in.
FTC and cybersecurity guidanceScammers rush and scare you so you don’t think. Stop, check, and talk to someone you trust.
FTC consumer adviceBig loans need payments you can keep making, even in hard times.
Lessons of the 2008 housing crisisMany people pay a little so no one faces a huge loss alone.
Insurance fundamentalsTaxes pay for roads, schools and public services.
Public finance fundamentalsSpecific, Measurable, Achievable, Relevant and Time-bound goals get done.
George T. Doran (1981)Using money to help others is part of using it well.
The three-jar methodWanting endlessly more leads to risky choices; knowing your enough brings freedom.
Morgan Housel, The Psychology of Money (2020)Many wealthy people live below their means and save steadily.
Thomas J. Stanley and William D. Danko, The Millionaire Next Door (1996)A legal process for debts that can’t be paid; it affects credit for years.
US Bankruptcy CodeRead and grow
The money bookshelf.
Well-loved books about money for every age, plus two for parents. Borrow them from your library.
A family saves coins in a jar for something they truly need.
Where does a dollar go? A funny lesson in spending.
Budgeting for a birthday present, the bunny way.
Earning, saving and the value of work.
Two kids run a lemonade stand and learn about costs and profit.
Earning, saving and investing explained for kids.
Assets, liabilities and thinking about money differently.
Bestseller about behavior, patience and knowing your enough.
Bestseller on automating savings, banking and conscious spending.
Began as letters to the author's daughter about index investing.
Timeless parables: pay yourself first, avoid debt, grow your gold.
Research on how real millionaires live below their means.
Age-by-age money conversations for families.
Raising kids who are grounded, generous and smart about money.
Collect them all
17 money badges.
Built on the best
Learn from the best money teachers.
Inspired by Junior Achievement, government money-education programs, great universities, behavioral economists and timeless money wisdom. Presented for every family, with no religious or political content.
JA BizTown and JA Finance Park are hands-on programs where students practice earning, budgeting and running a town.
Money as You Grow: age-by-age money milestones for children and families.
Money Smart for Young People: free lessons for Pre-K through Grade 12.
Free lessons on money, inflation and how the economy works.
Free, widely used high-school personal finance curriculum.
Nobel laureate Robert Shiller's Financial Markets course, freely available online.
Free finance and economics courses from MIT.
Research on delayed gratification (Walter Mischel) and financial decision-making (Annamaria Lusardi).
David Laibson's research on how automatic saving and defaults shape behavior.
Richard Thaler (University of Chicago, Nobel 2017) and Daniel Kahneman (Princeton, Nobel 2002) on money mistakes.
Benjamin Franklin's The Way to Wealth and George S. Clason's The Richest Man in Babylon.
John C. Bogle on low-cost index funds, Harry Markowitz on diversification and Warren Buffett on patience.
At a glance
How it works.
300 money questions in 10 topics, true money stories, real-life money missions, money tools and a downloadable workbook.
Money skills are life skills that most schools never teach. Kids who learn early save more, borrow wisely and avoid scams.
Students in Grades 1–12, in five levels from Sparks to Leaders 2.0. Parents and teachers can use the workbook together.
Five minutes a day for the Daily Money Challenge, one money story and one Money Lab mission each week.
Answer, learn the principle, read true money stories, practice with real money at home and watch your Money Wheel grow.
Disclaimer: This information is for informational and educational purposes only and is not financial, investment, tax or legal advice. Talk with a parent or guardian before making money decisions, and with a qualified professional for personal advice. The G-Yuva Money Challenge contains 300 original Global Yuva questions, plus missions and story summaries written for learning; examples use US rules (for example FDIC insurance, credit scores and taxes), which differ in other countries. Calculators show simple examples; real returns, rates and fees vary and investments can lose money. Quotes are from public-domain works. Universities, authors, programs and organizations are named as inspiration only; Global Yuva is not affiliated with or endorsed by any of them. Books are listed as reading ideas, not endorsements. Progress is saved in this browser, and in your Global Yuva account when you are signed in. PDFs are created on your device.
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