Most adults graduate college not knowing what compound interest is or how a credit card actually works. Cullinan fixes that — financial literacy as a real subject, K-12.
K-12
Grade range
6
Levels authored
12
Total lessons
1 : 1
Tutor per child
Every lesson uses real numbers — not 'imagine you have a dollar.' By grade 8 the kid is reading actual fund prospectuses and IRS publications, then doing math against them. Capstone in 12th grade is a personal finance plan they actually use.
Each level contains multiple lessons. The adaptive placement system picks the right starting level for each child — they may start higher or lower than the grade range suggests.
K-1: Coins, Bills, & 'Want vs Need'
Grades K–1 · 2 lessons
2-3: Earning, Saving, Spending
Grades 2–3 · 2 lessons
4-5: Budgeting & Banks
Grades 4–5 · 2 lessons
6-7: Compound Interest & Credit
Grades 6–7 · 2 lessons
8-9: Investing Basics & Income Taxes
Grades 8–9 · 2 lessons
10-12: Investing for Real + Starting a Business
Grades 10–12 · 2 lessons
A 16-year-old who understands compound interest opens a Roth IRA. A 16-year-old who doesn't, doesn't. Compound that over 50 years.
Every child profile in your house gets adaptive placement, daily plans, and real mastery verification — across Money & Personal Finance and every other subject. No credit card to start.