AGES 5–10
Explorers ✦
Elementary
Little choices. Big habits.
Explore needs and wants, saving, counting money, and everyday spending decisions through storytelling and hands-on practice.
Explore this pathway →Ages 5 through 18
Three stages. One journey.
Students grow, and their financial questions grow with them. Each Penny Hollow Learning pathway introduces age-appropriate concepts and real-world practice.
AGES 11–13
NextGen ↗
Middle school
Plan for what's next.
Practice budgets, savings goals, banking basics, smart shopping, and the building blocks of entrepreneurship.
Explore this pathway →AGES 14–18
LifeReady ★
High school
Money skills for real life.
Decode pay stubs, understand credit, compare financial choices, learn about taxes, and prepare for financial independence.
Explore this pathway →Explorers · Ages 5–10
Foundations of money and thoughtful choices.
- Recognize needs and wants
- Explore earning, saving, sharing, and spending
- Compare simple prices and practice making a plan
- Use storytelling, visuals, and hands-on activities
NextGen · Ages 11–13
Building independence through practice.
- Set and track savings goals
- Create a budget with real trade-offs
- Learn banking and digital spending basics
- Explore entrepreneurial problem-solving
LifeReady · Ages 14–18
Preparing for real financial decisions.
- Understand paychecks and deductions
- Use net income to plan a budget
- Learn about credit, borrowing, and interest
- Compare education, career, and financial choices
Meet the Penny Hollow Crew
Our six characters—Penny, Sammy, Benny, Ernie, Izzy, and Cleo—will appear in their approved age-specific designs.
Character artwork is intentionally reserved until the final approved image files are added. No replacement characters have been generated.