Junior Starz Kids™
Stories, challenges, games, saving, smart spending, banking, goals, ownership, entrepreneurship and early investing concepts.
Enter Kids Academy →TKOG Junior Starz Academy™
The financial school for growing up ready.
A real youth institution where kids and teens learn, practice and master the financial knowledge traditional education too often leaves until adulthood.
Kids + TeensDigital + In PersonPowered by AVACompetency Based
Financial Intelligence • Life Readiness
Learn • Lead • Own • Build
LEARN EARLY • PRACTICE EARLY • UNDERSTAND EARLY • OWN EARLY • BUILD EARLY
The Institutional Standard
Not a program. A complete youth financial education institution.
Junior Starz Academy is designed as the youth counterpart to TKOG EEI: its own academic system, digital campus, simulations, assessments, certifications, parent systems, school partnerships and community learning infrastructure.
STAGE 1Financial Curiosity
STAGE 2Financial Literacy
STAGE 3Financial Competency
STAGE 4Financial Confidence
STAGE 5Financial Readiness
STAGE 6Ownership
STAGE 7Wealth Building
STAGE 8Legacy
Two Student Experiences
One academy. Two age-specific worlds.
Young learners need imagination, repetition and play. Teenagers need real numbers, real contracts and real-life decisions. Junior Starz gives each age group the experience it needs.
Junior Starz Teens™
Paychecks, taxes, credit, debt, cars, apartments, insurance, investing, business, real estate, contracts, wealth and adult readiness.
Enter Teens Academy →Financial Life Curriculum™
The entire financial life, taught before adulthood.
Money Foundations Academy™
Money, value, habits, goals, needs vs. wants and financial decision-making.
Saving & Budgeting Academy™
Saving systems, spending plans, emergency funds and financial discipline.
Banking Academy™
Checking, savings, debit cards, digital banking, fees and account safety.
Credit & Debt Academy™
Credit reports, scores, APR, loans, cards and responsible borrowing.
Smart Consumer Academy™
Price vs. value, financing, warranties, subscriptions and total cost.
Paychecks & Taxes Academy™
Gross and net pay, W-2s, 1099s, withholding and tax fundamentals.
Insurance & Protection Academy™
Risk, coverage, deductibles, auto, renters, life and identity protection.
Investing Academy™
Compound growth, stocks, bonds, funds, diversification and long-term investing.
Entrepreneurship Academy™
Ideas, customers, pricing, revenue, profit, business plans and ownership.
Real Estate & Homeownership Academy™
Renting, mortgages, closing costs, equity and property fundamentals.
Career & Income Academy™
Career economics, benefits, negotiation, skills and income growth.
Digital Money & Safety Academy™
Payments, fintech, cybersecurity, scams, fraud and digital identity.
Ownership & Wealth Academy™
Assets, liabilities, net worth, ownership and wealth-building systems.
Family Finance Academy™
Shared goals, household decisions, giving and family financial culture.
Contracts & Decisions Academy™
Fine print, leases, financing agreements and decision preparation.
Legacy Academy™
Beneficiaries, inheritance concepts, stewardship and generational knowledge.
AVA Starz™
A financial education intelligence system that grows with the student.
AVA adjusts explanations, exercises, simulations and learning paths based on age, knowledge, goals, progress and parental permissions.
Enter the Digital CampusAVA
Ask. Learn. Practice. Master.
Age-adjusted learningPersonal pathwaysFinancial simulationsProgress intelligenceParent visibilityNext-best lesson
Measure what they know.
Age-adjusted competency testing creates a Financial Knowledge Map™ and personalized Junior Starz Financial Mastery Plan™.
Explore Financial IQ →Practice real life safely.
Students manage income, housing, transportation, credit, insurance, taxes, debt, savings, investing and unexpected life events.
Enter the Simulator →Real-World Financial Labs™
Students do the work, not just memorize vocabulary.
Junior Bank™
Practice deposits, withdrawals, saving, account management and banking decisions.
Investment Lab™
Build simulated portfolios and experience risk, diversification and compounding.
Smart Buyer Lab™
Compare vehicles, financing, APR, insurance, maintenance and total cost.
Real Estate Lab™
Explore renting, mortgages, closing costs, equity and homeownership.
Business Lab™
Launch a simulated company, price products, manage cash flow and calculate profit.
Protection Lab™
Learn insurance, identity protection, fraud prevention and emergency readiness.
Certification Ladder™
Progress that means something.
Students advance through demonstrated financial competency, culminating in the READY FOR LIFE™ standard and Real Life Capstone™.
LEVEL 1Junior Starz Money Foundations™
LEVEL 2Junior Starz Financially Literate™
LEVEL 3Junior Starz Financially Competent™
LEVEL 4Junior Starz Financially Fluent™
LEVEL 5Junior Starz Financially Prepared™
LEVEL 6Junior Starz Young Wealth Builder™
LEVEL 7Junior Starz Financial Leadership™
One Institution. Multiple Communities.
Students, parents, schools and communities.
Parent Portal™
Track Financial IQ, mastery, goals, simulations, certifications and recommended family conversations.
For Parents →School Edition™
Classroom implementation, teacher dashboards, assignments, competency reporting and district analytics.
For Schools →Community Campus™
Bring Junior Starz into TKOG locations, churches, nonprofits, municipalities, youth organizations and after-school programs.
For Communities →Financially Prepared Youth Created™