Teach Kids toGrow Money, Not Just Spend It
m2mm (Mini-to-Mega Money) is a safe, virtual economy where children learn about taxes, debt, investing, and wealth building before facing the real world.
No SSN. No KYC. No Bank Linking Required.
Emma's Virtual Balance
+$15Total Balance
$287.50
Bank of Mom & Dad holds the real cash
Apple Stock
+5.2%
Tax Paid
$12
💡 AI Scenario: Your phone broke. Take a loan at 15% interest or pay cash?
The Problem with Other Kids' Apps
Greenlight and GoHenry teach kids how to swipe cards. We teach them how to build wealth.
Teaching Kids to Spend
Kids' debit cards teach swiping, not saving. They learn consumption, not wealth building.
High Friction Setup
Requires SSN, KYC checks, bank linking. Parents wait days before starting.
Real Money = Real Risk
Kids make expensive mistakes with real money. No safe space to learn.
The m2mm Solution: A Flight Simulator for Money
Let kids crash the plane (financially) in the simulator, not in real life.
Virtual Ledger
Track what you owe your kid. They complete gigs (chores), request cash-outs. You hold the real money.
Shadow Investing
Kids invest virtual money in Apple, Bitcoin, S&P 500. Real market prices. Zero risk. Learn volatility.
AI Wealth Coach
"Your car broke. Pay $500 cash or take a 15% loan?" AI generates scenarios to teach consequences.
Turn On "Hard Mode"
Introduce your kids to economic reality with the Tax Man and Inflation Monster. Watch them learn why cash loses value and how to protect wealth.
The Tax Man
Automatically deduct 20% from earnings. Teach them about income tax early.
Inflation Monster
Idle cash loses value over time. Kids learn why investing beats saving.
Hard Mode Settings
ActiveTax Man (20%)
Deduct from all earnings
Inflation Monster (5%/mo)
Reduces idle cash
Emma learned: After losing $15 to inflation, she moved 80% of her balance to shadow stocks. Smart kid!
Start Free. Upgrade When Ready.
Free tier includes basic ledger and 1 shadow stock. Unlock everything for $5.99/month per family.
Future Billionaire
$5.99/mo
- Unlimited Shadow Stocks
- Hard Mode (Tax & Inflation)
- Full AI Scenario Library
- Data Export
Per family, not per child. Cancel anytime.
Built for the Next Generation
Graduate a generation of kids who know how to grow money, not just spend it.
Kids learn about taxes in school
Will need to understand money
Setup time (no SSN, no bank linking)
Let Them Crash in the Simulator, Not in Real Life
Join families using m2mm to teach their kids the money skills schools won't.