

Most teenagers graduate with knowledge in many academic subjects.
But very few truly understand:
• how money works
• how income is created
• how to manage spending
• how to make smart financial decisions
Financial literacy is one of the most important life skills — yet it is rarely taught in traditional education.
Many adults say the same thing:
“I wish someone had taught me about money earlier.”
Without guidance, young people often develop habits like:
• impulsive spending
• lack of financial discipline
• confusion about earning opportunities
• poor financial decisions
When teenagers learn about money early, they approach life differently.
This course helps teens build awareness before costly mistakes happen.
Instant access • 14 lessons • Lifetime family access
Teenage years are when habits and beliefs about money begin to form.
Learning financial literacy early helps teens:
• build responsibility
• develop independence
• understand the value of work
• think critically about financial choices
The goal is not to create financial experts overnight.
The goal is to build a strong foundation for life.

Your teen will learn:
what money really is and why it matters
how people earn money in the real world
the importance of selling and communication
how to use the 5 Mighties budgeting system
how saving builds opportunity
how to recognize smart vs impulsive spending
how banks work and how to use them responsibly
Your teen will learn:
• different ways people build careers and income
• rules that guide smart financial decisions
• how to turn dreams into realistic goals
• how to create a personal plan board
• habits that support long-term success
• books and tools that improve financial thinking
• techniques that help build discipline and confidence
how money works in the real world
how income is created
how to manage money responsibly
how to avoid impulsive spending
how saving builds opportunity
how communication and selling influence success
how goals and planning shape the future
These lessons help teenagers develop confidence and financial awareness.
Imagine your teenager entering adulthood with:
confidence about money
the ability to earn income
responsible spending habits
clear goals and direction
These lessons can influence how they think about money for the rest of their lives.

• Mother of a teen streetwear entrepreneur
• Founder of Tribe Outstander
• Creator of the 5 Mighties™ Budgeting System
• Author of Money Like to a Child and Wealthy Parents
• Entrepreneur and educator
My journey with money started early — I began trading small goods when I was eight years old.
Over the years, that curiosity grew into experience in entrepreneurship, business development, and real estate.
But my greatest inspiration came from raising my own son.
At 8, he began exploring business ideas.
At 16, he started designing his own streetwear brand and communicating with factories.
At 17, he officially launched his project.
Watching this journey confirmed something important:
Young people are capable of incredible things when they are given the right guidance.
My mission is to help parents raise confident and financially aware young adults.

-Christina Heldt



• are 14–18 years old
• want to understand how money really works
• are curious about earning, saving, or business
• want more independence and responsibility
• are 14–18 years old
• want to understand how money really works
• are curious about earning, saving,
or business
• want more independence and responsibility
• a teen is being forced to take the course
• parents expect change without conversation or guidance
• there is no interest in learning practical life skills
Will my teen understand the lessons?
Yes. The course was designed specifically for teenagers ages 14–18.
Concepts are explained clearly with real-life examples.
What if my teen has never learned about money?
That’s perfectly fine — the course starts from the basics.
Is this just theory?
No. Each lesson includes practical ideas and exercises that encourage real-world thinking.
What if my teen loses interest?
Lessons are intentionally short (10–15 minutes) and easy to follow.
Parents can also use them as conversation starters at home.
Will my teen understand the lessons?
Yes. The course was designed specifically
for teenagers ages 14–18.
Concepts are explained clearly with real-life examples.
What if my teen has never learned about money?
That’s perfectly fine — the course starts from
the basics.
Is this just theory?
No. Each lesson includes practical ideas and exercises that encourage real-world thinking.
What if my teen loses interest?
Lessons are intentionally short (10–15 minutes)
and easy to follow.
Parents can also use them as conversation starters at home.
Try the course for 7 days.
If after the first week you don’t feel your teen is thinking differently about money, simply email us for a refund. No hassle.
Try the course for 7 days.
If after the first week you don’t feel your teen
is thinking differently about money, simply email
us for a refund. No hassle.
• Learn about money mainly from social media
• Impulsive spending habits
• No understanding of budgeting
• Stress about money later in life
• Learning financial lessons through mistakes
• Understand how money really works
• Build healthy budgeting habits
• Make confident financial decisions
• Develop long-term thinking
• Build smart habits before adulthood
Private financial tutoring often costs $40–$50 per session, and many teens still never learn how money really works.
Young Money Maker gives your teen a clear, practical foundation through 14 structured lessons, simple exercises, and real-life examples that build confidence and responsibility.

✔ 14 structured step-by-step lessons
✔ Lifetime access to the full course
✔ Printable financial tools and exercises
✔ The 5 Mighties™ budgeting framework
✔ Practical challenges that build real-world skills
Full Program Value: $347
Family Launch Price: $99
About $7 per day for 14 days of practical financial education.
