Ages 14–18+Polar Bears Series

🐻‍❄️ The Penny Experience

Penny's already juggling a household — a husband, two daughters, a nephew, a business — and this final course covers the money decisions that come with growing up: financial aid, buying a home, negotiating a car deal, and building toward real retirement.

$299Buy Now — $299

Videos: 9
Worksheets: 27
Quizzes: 3

What's Inside

Three Levels, start to finish

Level I: Securing Your Future

Financial Aid & ScholarshipsDiversifying InvestmentsFamily Financial Planning

FAFSA in full detail, grants, work-study, and scholarships, plus the recommended order to accept aid (scholarships → aid → loans); age-based asset allocation and the stock/bond glide path; mutual funds versus ETFs; beneficiaries; custodial accounts (UGMA vs. UTMA); and 529 plans.

Level II: Big Life Stuff

Home OwnershipCars & Big AssetsLife Events

Mortgages — down payment, interest rate, term, amortization, fixed versus variable — and the nine-step home-buying process; leasing versus financing a car, negotiating tactics, and spotting dealbreakers; starting a business with a five-part plan; and comparing job benefits packages.

Level III: Retirement Planning

Investing for RetirementIncome Sources in RetirementFinancial Freedom

Traditional versus Roth IRA, 401(k) versus 403(b), employer match, contribution limits, and RMDs; Social Security — FICA, eligibility, and claiming-age tradeoffs; pensions and passive income in retirement; and Financial Freedom, the FIRE Number, and the 4% rule. The series finale.

Finish all three Levels and earn Penny's Collectible Coin.

Every Bear Claw Challenge along the way builds toward it — a real marker of a real financial-literacy milestone.

Ready for Penny?

$299 · Ages 14–18+

Buy Now — $299

Or explore another Level

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