Global 
Money, Work & Enterprise · Module 1 of 6
Grow with Zeno. One friend. Six modules. A smarter future.
Needs & Wants.
“We can’t have everything, so I choose what matters most.”
Needs & Wants means: need or want · real cost · who’s pushing · wait · plan.
Money rules where you live
The ideas are the same everywhere. Banks, credit reports and work rules differ, so here are the official sources for your country. Check the latest details on each official site.
🇺🇸 In the USA
Deposits at FDIC-insured banks are protected up to $250,000 per depositor, per bank, per ownership category. Check fdic.gov for details.
Everyone can get free credit reports from AnnualCreditReport.com, the official site.
Federal rules (U.S. Department of Labor, YouthRules) and your state’s rules set work ages, hours and jobs for under-18s.
The Consumer Financial Protection Bureau (consumerfinance.gov) explains money products and takes complaints.
🇨🇦 In Canada
Eligible deposits at CDIC member institutions are protected up to $100,000 per insured category. Check cdic.ca.
Equifax Canada and TransUnion Canada provide free credit reports to Canadians.
Each province and territory sets its own minimum working age, hours and rules for young workers.
The Financial Consumer Agency of Canada (FCAC) explains money products and your rights.
🇮🇳 In India
Example amounts in this course are shown in rupees for India. They are practice numbers, chosen so the maths stays simple.
Bank deposits are insured by DICGC (a Reserve Bank of India subsidiary) up to ₹5 lakh per depositor, per bank. Check dicgc.org.in.
RBI rules let every person get one free full credit report a year from each credit bureau (such as CIBIL).
You never need to enter your UPI PIN to receive money. Never share your PIN or OTP with anyone.
Children under 14 may not be employed (except helping in a family business outside school hours), and adolescents aged 14–18 may not do hazardous work, under the Child and Adolescent Labour Act.
The Reserve Bank of India’s financial-education pages and the RBI Ombudsman help consumers. Report unregulated deposit schemes on RBI’s Sachet portal.
How the course works
Six modules, one after another, from Needs & Wants to Careers. Each one builds on the last.
Every money skill starts here. Children learn to tell needs from wants, see what each choice gives up, spot ads and pressure, wait before big wants, and plan, from a birthday ten-dollar note to a first paycheck.
Grades 1–12, in five levels: Sparks (1–2), Explorers (3–4), Builders (5–6), Leaders 1.0 (7–8) and Leaders 2.0 (9–12). Same value, age-right stories.
A 7–8 minute interactive lesson per value: an animated story, a puzzle, choices with realistic results, a fresh situation, a final challenge and a personal mission. Then a 10-question check.
Students learn on their own or with a parent. Parents see progress in their Family Home. Teachers and mentors can use it with groups.
Every value needs 100% of its ten concepts before the next value opens. Missed ideas come back as fresh questions with explanations, as many times as needed. No timer, no rankings.
For parents
Ask one question after each lesson: “What would you try?” Celebrate the try, not just the result. If your child prefers not to share a real story, a made-up one counts. A perfect check shows understanding of the ideas. Everyday practice is what turns a value into a habit.
Original Global Yuva content: stories, characters, illustrations and questions. Narration uses your device’s built-in read-aloud voice. For informational and educational purposes only; not counseling, therapy, medical or psychological advice. If a child is unsafe or in crisis, contact a trusted adult or local emergency services. The level certificate recognizes completion of a Global Yuva level and is not an academic credential.