How to run a level
Hand them the Quest panel and leave them with it. Read the Playbook yourself before you say anything. Then do the activity together, once, and stop — a level that runs long is a level nobody does twice.
Ages 16–18
Makers
“Adult money, one year early” — A pay stub line by line, filing a return with no tax owing, credit, the accounts that open at 18, paying for school, and a first investment explained slowly.
Makers, level by level
6 levels, in order but not locked to it — you can jump. Level 01 is open to everyone; levels 02 to 06 ask a parent for a first name and an email, once. Progress is kept in this browser only; there is no account and no child login.
Tier progress 0 of 6 levels
Stored in this browser only.
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Your first paycheque, line by line
The number on the job ad is not the number in your account. Your first stub explains the gap, if you can read it. 25 minThe Pay Stub Badge Status: Not started -
File a return even with no tax owing
A first return with a tiny income does three things that pay off years later. Skipping it costs room you cannot get back easily. 25 minThe First Filing Badge Status: Not started -
Credit: the thing that follows you
A credit record is a file about how reliably you repay. It starts the first time you borrow and it is read by people you will never meet. 25 minThe Three Rules Badge Status: Not started -
The accounts that open at 18
Three registered accounts become available around the age of majority. Opening the right one first, and leaving one alone, is worth real money later. 25 minThe Day One Badge Status: Not started -
Paying for school without wrecking the next decade
Tuition is the small number. Build the true four-year cost first, then fill it from the cheapest money to the most expensive, in that order. 30 minThe Four-Year Badge Status: Not started -
Your first investment, explained slowly
Eight weeks of a paper portfolio teaches what no explanation does — including what it feels like to watch a number go down. 30 minThe Long Horizon Badge Status: Not started
The handover at eighteen
Sixteen to eighteen is the handover: from an account a parent controls to one they own, plus the registered accounts that open on the birthday.
Accounts for 16–18