Modulo

Money MunchKid$

Recommended Ages

K–3rd grades

Teaching kids about money often starts and ends with piggy banks and allowance charts. Money MunchKid$ is a kid-focused financial education brand that goes further, using games, stories, and activities to explain saving, spending, budgeting, and giving in concrete terms. Created by an entrepreneur who began learning about money as a child, the program is designed to empower kids to make thoughtful choices rather than simply follow rules. We love its upbeat, cartoon-forward style and the way it breaks concepts into age-appropriate chunks. It’s a strong fit for elementary-age learners and can be used at home, in classrooms, or in group workshops. Some materials require purchase and may feel themed or branded, but many families find the engagement worth it. Pro tip: integrate Money MunchKid$ lessons with real allowance or chore income so kids immediately practice what they’re learning.

Best for K–3 children who enjoy stories, coloring and simple written activities, and for parents who want a clearly laid‑out, secular introduction to money that goes beyond counting coins into real‑world topics like income, expenses and budgeting; works especially well for families who like short, weekly “money class” lessons they can repeat with multiple siblings.

Pros

Sequential, workbook‑based financial literacy curriculum created with experienced teachers that walks K–3 kids through money basics like earning, saving, needs vs wants, banks, budgeting and giving in small, 40–50 minute lessons; clearly scripted for non‑experts and designed for both classrooms and homeschools; secular and visually engaging, with plenty of kid‑friendly activities and stories that make abstract money concepts concrete for young learners. 

Cons

Content stays fairly basic and is best for elementary ages, so older tweens and teens will need a more advanced course; lessons are print‑heavy and teacher‑led rather than app‑based or gamified, which can feel workbook‑ish for some kids; U.S.‑centric examples may not map perfectly to families in other countries; shipping and print shortages occasionally affect physical copies, so digital or used options may be easier to access. 

Money MunchKid$ appears as a vendor or payee in several California non-classroom-based charter school board packets, indicating that families have successfully used charter funds to purchase the curriculum through programs such as Heartland Charter School and Blue Ridge Academy; availability varies, so you’ll need to confirm with your specific ESA or charter before ordering.

Free to $19.99 for curriculum

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Money MunchKid$
$19.99 USD

Skills

What kids will learn
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Financial Literacy
Financial Literacy
Math
Math
Life Skills
Life Skills

Money MunchKid$ Mission

The mission of Money MunchKid$ is to give children a solid, age-appropriate foundation in financial literacy so they can grow into confident, thoughtful decision-makers with money. Through secular, kid-friendly lessons, stories, games, and activities that work in both homes and classrooms, the program fills the gap left by most school curricula and helps families talk openly about saving, spending, earning, and giving. By starting early and making money concepts visual, hands-on, and fun, Money MunchKid$ aims to build lifelong habits of responsibility, generosity, and financial confidence.

Money MunchKid$ Story

Money MunchKid$ began when educator and entrepreneur Victoria Khaze saw how many teens and adults around her were stressed by money decisions they’d never been taught to make—and realized the solution needed to start in early childhood. Drawing on her own experience as a homeschooler, over a decade of work in childcare, and years in business and marketing, she partnered with teachers and child development specialists to design a playful but rigorous financial education curriculum. What started as a small children’s financial education company has grown into a full suite of curriculum, games, and free resources for families and schools, along with a podcast that highlights real-world money stories from kids and adults.

About Modular Learning

FAQ: Additional Details about Money MunchKid$

Picture your child at the kitchen table listening to a story about a hungry Money MunchKid gobbling up coins, then coloring friendly characters while you talk about needs, wants, and saving for a goal. Next you spread out play money and set up a pretend store, letting your child sort coins into jars labeled Spend, Save, and Give. There’s the sound of clinking coins, giggles as they “buy” snacks or toys, and a proud smile when they choose to put a few dollars toward a real-life savings jar on the counter.

Money MunchKid$ is a structured financial literacy curriculum for young children built around a teacher guide, student workbook, and hands-on activities. Families or co-ops move through 30–35 short scripted lessons that introduce money vocabulary, needs vs. wants, saving, budgeting, and giving using stories, coloring pages, games, and role-play. You can teach it once a week as a standalone “money class” or fold lessons into math and social-studies time, repeating key activities as your child grows.

An adult leads every lesson, reading stories, asking discussion questions, and modeling real-world choices like comparing prices or deciding how much to save from allowance. Young kids work alongside you, while older children can complete some workbook pages independently and then talk through the scenarios with you.

Best for kids who can count to at least 10, recognize basic coins and numbers, and sit for 15–20 minutes at a time. No prior money knowledge is required, and early readers can participate fully with an adult reading instructions aloud.

Money MunchKid$ materials and games introduce budgeting and money math in kid‑friendly ways, which can be especially beneficial for ADHD and autistic children who need real‑world context and visual representations. The playful format helps reduce anxiety around numbers and money talk.

Money MunchKid$ focuses on financial literacy and money habits, so it can provide meaningful, real‑world reasons to work with numbers for kids with dyscalculia. The materials are not designed as a therapeutic math curriculum, so I’d lean on calculators, visuals, and step‑by‑step scaffolding so the focus stays on understanding concepts like saving, spending, and budgeting rather than on speed or mental computation.

Money MunchKid$ focuses on financial literacy and money habits, so it can provide meaningful, real‑world reasons to work with numbers for kids with dyscalculia. The materials are not designed as a therapeutic math curriculum, so I’d lean on calculators, visuals, and step‑by‑step scaffolding so the focus stays on understanding concepts like saving, spending, and budgeting rather than on speed or mental computation.

There is no widely advertised, stand-alone refund policy for Money MunchKid$; purchases made through charter schools or third-party retailers follow those organizations’ return rules, and direct orders are typically treated as final, with customer support available if materials arrive damaged or there is a problem with your order.

Probably not ideal for families seeking a full semester high‑school personal finance credit, advanced investing content, or project‑based entrepreneurship; unschoolers who want money learning entirely through games or real‑life projects may find the scripted lessons too formal; highly screen‑motivated kids who expect an app‑like experience may disengage without extra hands‑on activities layered on top.

For older or more independent learners, families often pair or replace it with free programs like Practical Money Skills by Visa, FDIC Money Smart for Young People, or Next Gen Personal Finance, or use game‑based options like MoneyTime or stock‑market simulations to extend beyond the K–3 level. 

The creator periodically refreshes examples to reflect modern spending (like debit cards and online purchases) and has added digital worksheets, coloring pages, and classroom resources over time so families and teachers can choose print-only, digital, or blended use.

Use each lesson as a launchpad for a tiny real‑life challenge—set up spend/save/give jars, let kids comparison‑shop a grocery item, or role‑play visiting a bank—so the vocabulary they meet in the workbook immediately connects to decisions they’re making with real dollars at home.

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Meet Victoria

Victoria Khaze is the founder and CEO of Money MunchKid$, a children’s financial education company she created to help families avoid the money struggles she saw all around her. She brings nearly a decade of business experience, five years in marketing, and more than ten years as a childcare professional, along with her own background as a homeschooler and extensive research into how children learn best. She collaborated with educators and child development experts around the world to build Money MunchKid$’s multi-sensory curriculum and resources. A four-time published poet and lifelong “business nerd,” she started her first venture making and selling jewelry as an elementary-aged kid and still approaches work with a playful, laid-back sense of humor.