All 129 lessons

Bilingual financial education for Vietnamese children aged 6–18, OECD/INFE-aligned.

Level 1 · ages 6–8

• What is money and why do we need it?
• Recognizing Vietnamese money
• Counting money and getting change
• Real or fake money, keep it tidy
• Buying and selling
• Cheap and expensive
• Smart spending — compare prices
• Cash, card, and QR
• Grocery shopping with parents
• Keeping money safe
• Needs and Wants
• The piggy bank — what is saving
• Set a small saving goal
• What to do with lucky money?
• 3 jars: Spend – Save – Give
• Write down what you spent
• Pick one, leave one
• Dreams and a money plan
• Care for your things to save money
• Being patient
• Wait for a bigger reward
• Why not spend it all at once
• What if you lose money?
• Where does money come from?
• Chores and responsibility
• First small earnings
• Sharing and giving
• What does advertising want from you?
• A stranger asks for money/info — say no
• What is a bank?

Level 2 · ages 9–12

• E-wallets and cashless payment
• Compare price and unit price
• Bills and receipts
• Safe online shopping basics
• Managing pocket money
• Bargaining when shopping
• The 3-jar budget
• Make a personal spending plan
• Track money in and out
• Short-term and long-term goals
• Needs vs wants (advanced)
• A small emergency fund
• Goal saving — track progress
• Prioritize spending when money is limited
• Lucky money: Spend – Save – Invest – Give
• Plan for a big purchase
• Interest — money makes money
• What is inflation?
• Opportunity cost
• Assets and liabilities
• What is investing?
• Earning as a teen
• The value of skills
• Spending traps: ads & FOMO
• Buying in games and online
• What are taxes?
• Basic scam awareness
• Money and friends
• Giving and charity
• Compare before buying

Level 3 · ages 13–15

• Banks & savings accounts
• Using an ATM/debit card right
• Safe digital payment — OTP & passwords
• E-wallets & QR (advanced)
• Basic financial service fees
• The 50-30-20 budget
• Fixed and variable costs
• Savings and terms
• Emergency fund (expanded)
• Mid-term financial plan
• Track & adjust your budget
• Auto-saving — pay yourself first
• Managing part-time income
• Compound interest — the 8th wonder
• Risk, return & diversification
• Debt and loan interest
• Basic investment channels
• What is a stock?
• What is a bond?
• Funds and ETFs
• Inflation and purchasing power
• Ownership and cash flow
• Active and passive income
• “Easy job, high pay” scams
• Pyramid schemes and fake investing
• Account and info security
• Consumer rights
• Teen small-business basics
• Taxes in daily life (expanded)
• Money and social media

Level 4 · ages 16–18

• Managing bank accounts fully
• Fees, interest & terms
• International payments & exchange rates
• Digital money tools (apps)
• Budgeting at 18
• Managing part-time & freelance income
• Emergency fund and insurance
• Financial plan for college/career
• Lifetime financial goals
• Financial freedom and long-term thinking
• Spending when living independently
• Long-term saving & early retirement
• Advanced compounding & the power of time
• Credit and credit score
• Using a credit card correctly
• Debt traps & consumer loans
• Building a basic portfolio
• Stocks, bonds, funds — how to choose
• Advanced risk & diversification
• Insurance: which kinds you need
• Inflation & inflation-proof investing
• Long-term investing vs speculation
• Personal income tax
• Vietnam’s financial & banking system
• Sophisticated scams: Ponzi, crypto
• Protect identity & financial data
• Startup: business model & revenue
• Fundraising & equity basics
• Contracts & terms to read
• Money ethics & social responsibility
• A business makes money: revenue, profit & margin
• EPS & dividends: earnings per share
• P/E: valuation by earnings multiple
• Comparing valuations & EV/EBITDA
• Time value of money & DCF
• Price ≠ Value & margin of safety
• Reading basic financial statements
• Valuing a startup with no profit yet
• From valuation to an investment decision