What You'll Master

Know a young adult who would benefit from better money management? Have them take this course to better understand how to manage money and build wealth through:

  • Personalized One-on-One Coaching from Instructor

  • Developing and Managing a Revenue Stream

  • Creating a Budget and Setting Financial Goals

  • Making the Power of Compound Interest Work for You

  • Learning How to Invest in the Stock Market

  • Understanding Rate of Return and Market Cycles

  • Harnessing the Time Value of Money to Maximize Returns

  • Understanding Debt and Credit Cards

  • Taking out a Car Loan and Purchasing Insurance

Personalized Coaching

This is a supercharged class experience where students get personal, one-on-one virtual coaching from author and instructor Stephen Carter. Three sessions (30 minutes each) will be spaced throughout the course.

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Thank You

Course Instructor

Lead Instructor

Stephen Carter

Stephen Carter is the founder of The Seed Tree Group—an organization which helps teenagers develop a strong foundation in financial literacy. A veteran teacher with over 15 years of experience, he is currently the Director of Entrepreneurship and Sustainability at a private K-12 school in Cincinnati, Ohio. MA, Xavier University; Certificate of Financial Management, Cornell University

Dr. Dean Nicholas

Head of School, Cincinnati Hills Christian Academy

"As a life-long educator in an independent school, I am constantly asking alumni how well we prepared them for college and beyond. And for all the great things we do to build innovative critical thinkers, somehow we never prepare them for something as basic as how to manage their finances. So to have Stephen Carter--one of the most engaging and inspiring teachers I know--teach a class to help young people think about money and finances is educational gold! I will recommend this to educators, parents, and students."

Joshua Wulf

Practice Technology Analytics Manager

"I've been looking for an age-appropriate finance course for my teenagers for a while. Finally I found Wealth Building Foundations and it was everything I wish I had learned at their age. Hopefully, it will help them avoid many of the mistakes I made in my youth. I can't recommend this course enough!"

Alex O'Brien

Student, University of Michigan

“As I went through Wealth Building Foundations, I was struck by how user-friendly and accessible the content is — especially for high school students. I highly recommend this course for all due to how relevant, applicable, and useful the lessons within are. I would have loved to have taken a class such as this when I was younger so that I would have a strong base of financial literacy when moving on to adult life.”

Course curriculum

  1. 1
    • Introduction to Wealth Building Foundations

    • Course Disclaimer

    • Course Survey - Complete this survey before proceeding with the course

  2. 2
    • Introduction to Module One VIDEO

    • Creating a Revenue Stream VIDEO

    • Revenue Stream Brainstorm

    • Getting a Job VIDEO

    • Obtain your Revenue Stream

    • Setting up your Bank Accounts VIDEO

    • Suggested Banks to Check Out

    • Set up your Accounts

    • Overview of Revenue Streams

    • Final Quiz - to be taken after all content in this module is completed

  3. 3
    • Introduction to Module Two VIDEO

    • All About Budgeting VIDEO

    • How a Budget Works

    • Generate Budget Categories

    • Needs and Wants

    • Spending Survey

    • Putting the Budget Together

    • Develop Your Budget

    • Final Quiz for Module Two

  4. 4
    • Intro to Module Three VIDEO

    • Understanding Compound Interest

    • How Compound Interest Works

    • Applying Compound Interest

    • Using Compound Interest

    • Making Compound Interest Work for you

    • Compound Interest Worksheet

    • The Power of Compound Interest

    • Writing Your Plan

  5. 5
    • Intro to Module Four VIDEO

    • Importance of Goal Setting

    • Organizing your goals

    • Goal Worksheet - for download

    • Goal Brainstorm

    • How to Prioritize

    • Prioritizing Template

    • SMART Goals

    • SMART Download

    • Personal growth plan

    • Creating Your Personal Growth Plan

  6. 6
    • Intro to Module Five VIDEO

    • How to Invest

    • Investment Pyramid

    • Understanding the basics

    • Inflation and Investing

    • Setting up an investment account

    • Investment Account Options

    • Create your Investment Pyramid

    • Make it Automatic

    • Understanding Investing Quiz

  7. 7
    • Intro to Module Six VIDEO

    • Investing Level Two

    • Roth IRA Investing Explained

    • Crash Course in the Stock Market - Part ONE

    • Finding the Right Investments for you

    • Understanding Risk and Investments

    • Recommended Reading for Investment Strategies

    • Investment Quiz

    • Taking the Next Step

  8. 8
    • Intro to Module Seven VIDEO

    • What is Rate of Return

    • Rate of Return Quiz

    • Rate of Return and Inflation

    • Why Retirement now?

    • Future Planning Part ONE

    • Completing the Steps

    • Future Planning Part TWO

    • Doing the Math

    • Future Planning Part THREE

    • Diversification and Why it's Important

    • Rate of Return Final Quiz

  9. 9
    • Intro to Module Eight VIDEO

    • Effective Mindset Principles

    • The Seven Habits

    • Applying Win Win to Investing

    • Start with Why Overview

    • Brainstorm of the Why

    • What is a Public Company?

    • Reading Stock Information

    • Putting it Together

    • Win Win Final Quiz

    • Win Win Assignment

  10. 10
    • Intro to Module Nine VIDEO

    • Sectors in the Stock Market

    • Market Cycles and the Bull and the Bear

    • Corrections and the Problem with Timing the Market

    • Historical Averages PDF

    • Dollar Cost Averaging

    • Stock Market Quiz

  11. 11
    • Intro to Module Ten VIDEO

    • The Compounding Principle

    • Making it Work For You

    • Credit Cards

    • Thoughts and Advice

    • Making Sense of the Types of Insurance

    • Things to Know When Getting a Car Loan

    • College Loans and Making Sense of Debt

    • Final Quiz

    • A Final Charge

    • The Checklist

    • Thank You and Goodbye

Frequently Asked Questions

  • Do I have to read the book before taking the course?

    Reading the book, The Seed Tree: Wealth Building and Money Management Lessons for Teens, is optional prior to taking the course. The course goes MORE IN-DEPTH than the book with regard to teaching foundational financial skills.

  • How long does this course take to complete?

    The course is designed to be spread out over two to three weeks with three to five modules a week. Each module will take around 2 hours for a total time of 20-25 hours for the entire course. Students will self-pace and have up to six months to complete the class.

  • Is the course all online?

    Yes, the whole course is online and there are no in-person requirements.

  • Does this course require zoom or any other virtual meetings?

    Zoom will be used for the personal, one-on-one coaching and times will be set up individually with each student.

  • Will this course keep the attention of my teenager?

    This course is taught by a veteran teacher who has taught high school age students for 15+ years and knows how to keep their attention. The videos are short and engaging and the content is designed to keep students interested and learning all the way to the end.