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Cash For Cubs
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Ages 14–18+Polar Bears Series

🐻‍❄️ The Penny Experience

Penny's already juggling a household — a husband, two daughters, and 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 financial freedom.

$199Buy Now — $199

🔓 Lifetime Access — buy once, keep it forever

🎉 Use code LAUNCHSINGLE for $100 off — $99! For a limited time.

Videos
9
Worksheets
27
Quizzes
3
Penny
What's Inside

Three levels, start to finish

1

Level I: Securing Your Future

Financial Aid & ScholarshipsDiversifying InvestmentsFamily Financial Planning

The Free Application for Federal Student Aid (FAFSA), grants, work-study, loans, and scholarships; age-based investment asset allocation (stocks vs. bonds), and mutual funds vs. ETFs; beneficiaries, custodial accounts (UGMA vs. UTMA), and 529 Plans.

2

Level II: Big Life Stuff

Home OwnershipCars & Big AssetsLife Events

Mortgage payment variables — down payment, interest rate, term, amortization, fixed vs. variable interest rates, and the big picture home-buying process; leasing vs. financing a car, negotiating tactics, and spotting dealbreakers; starting a business with a five-part plan, and comparing job benefits packages. Can you out-negotiate car salesman Frosty Wheeler?!

3

Level III: Retirement Planning

Investing for RetirementIncome Sources in RetirementFinancial Freedom

Retirement investment vehicles (Traditional vs. Roth IRA and 401(k) vs. 403(b)); employer matching, contribution limits, and required minimum distributions (RMDs); social security, pensions, and passive income in retirement; financial freedom, FIRE Number, and the 4% rule. Check out Penny's FIRE Number Calculator in the Free Resources section!

Can you solve all three Bear Claw Challenges in each level?

And once you do, they're yours for good — every Cash For Cubs course comes with lifetime access, so The Penny Experience is there whenever your learner needs to revisit a level.

Ready for Penny?

$199 · Ages 14–18+

Buy Now — $199

Or explore another level

🧸 Teddy🍯 Goldie🐻 Franklin🐼 Chase🏆 Ultimate Bear