Money Rizz Starter Kit
A simple guide for teaching money, risk, and investing — without making it feel like a lecture.
01 · How to use this site
One module. Many ways in.
You don't have to do Money Rizz in one sitting. Go chapter by chapter at a pace that fits the learner. Use the case study as discussion material, not as a stock-picking exercise. Above all, focus on decision-making rather than guessing the next big winner.
Chapter by chapter
Each chapter is short. Read one, talk about it, move on.
Case study as discussion
Use the real portfolio to ask questions, not to copy choices.
Decisions, not picks
The skill is judgment. The stocks are just examples.
02 · Suggested age range
Built for ages 10–16, with adult guidance.
The language is simple enough for a 10-year-old, but the ideas reward rereading. Many Gen Z and first-time adult learners use it as their starting point too.
Ages 10–13
Read together. Pause often. Use the visuals.
Ages 14–16
Read solo. Discuss weekly. Tie to real examples.
Adults / Gen Z
Read in a single sitting. Revisit the case study.
03 · 6-session lesson plan
Six sessions. Roughly 30 minutes each.
Run them weekly, in pairs, or as a single weekend workshop. Each session maps directly to a chapter on the site.
- 30 min
Session 1
Risk & Reward
Main idea
Every choice has a payoff and a price. Risk is what you give up for a chance at reward.
Discussion question
When have you taken a small risk that worked out — and one that didn't?
Activity
Sort 6 everyday choices (try out for a team, save your money, etc.) from low to high risk. Discuss why.
Reflection prompt
What's one risk you'd take if you knew it was okay to fail?
- 30 min
Session 2
Saving vs. Investing
Main idea
Saving keeps money safe. Investing puts it to work — with more risk and more potential growth.
Discussion question
If you had $100 you didn't need for 10 years, would you save it or invest it? Why?
Activity
Split a pretend $100 between savings and investing. Explain your split out loud.
Reflection prompt
What feeling makes you want to keep money safe vs. put it to work?
- 30 min
Session 3
Time and Patience
Main idea
Time is the quiet ingredient. The longer money is invested, the more room it has to grow.
Discussion question
What's something in your life that got better only because you stuck with it?
Activity
Compare $10/month for 1 year vs. 10 years vs. 30 years. Notice the shape of the curve.
Reflection prompt
Where in your life would more patience help right now?
- 30 min
Session 4
Interest and Dividends
Main idea
Money can earn money — through interest on savings and dividends from owning a business.
Discussion question
Would you rather get $5 today or $1 every month forever? Why?
Activity
Pick a real company you like. Look up whether it pays a dividend, and what that means.
Reflection prompt
What's the difference between earning money and money earning money?
- 40 min
Session 5
Real Investment Case Study
Main idea
Look at a real beginner portfolio — the wins, the losses, and the lessons hiding in both.
Discussion question
Looking at the case study, which choice surprised you most?
Activity
Pick one winner and one loser from the case study. Explain what each one teaches.
Reflection prompt
If you'd been the investor, what would you have done differently — and why?
- 30 min
Session 6
Compare Choices
Main idea
Smart investing isn't about being right. It's about comparing options before choosing.
Discussion question
How do you decide between two things that both seem like good ideas?
Activity
Compare a stock, an ETF, and a savings account side by side. Rank them by risk and by reward.
Reflection prompt
What's one habit you want to take with you from this whole module?
04 · What not to do
Keep it healthy.
Do not turn this into gambling.
Do not pressure kids to pick winners.
Do not shame mistakes.
Do not promise future returns.
Do not make money the only measure of success.
05 · What to focus on
Build these instead.
Curiosity. Ask, don't lecture. Wonder out loud together.
Patience. Long-term thinking is a muscle. Practice it.
Comparison. Always ask: compared to what?
Emotional control. Notice the feeling before acting on it.
Long-term thinking. Years, not days. Decades, not months.
Confidence. Confidence comes from understanding, not certainty.
Print-Friendly Starter Kit
Print-Friendly Starter Kit
Use this page as the printable starter kit. It includes the lesson plan, ground rules, activities, reflection prompts, and adult guidance.
Use your browser’s print dialog to save as PDF or print to paper.
Educational content only. Not financial advice.