About m2mm
We're building the platform that graduates a generation of children who know how to grow money, not just spend it.
Our Mission
**m2mm** stands for **Mini-to-Mega Money**. We believe children deserve a safe space to learn about taxes, debt, investing, and wealth building before they face these challenges in the real world.
Traditional financial education fails because it's boring, theoretical, and disconnected from reality. Meanwhile, kids' banking apps like Greenlight teach children how to swipe a debit card - which is consumption, not wealth building.
We created m2mm to be different: a "Flight Simulator for Money" where kids can crash financially in a virtual economy, learn from their mistakes, and develop the instincts needed to build real wealth.
Practice Makes Perfect
Pilots train in simulators. Surgeons practice on mannequins. Now kids can learn about money in a safe, virtual economy before handling real cash.
The Problem We're Solving
Schools don't teach financial literacy. Parents feel unprepared. Kids enter adulthood without understanding taxes, debt, or investing.
Financial Illiteracy
Schools don't teach taxes, debt management, or investing. Kids graduate financially unprepared.
The "Spending" Trap
Kids' debit cards teach spending, not wealth building. Children learn to consume, not save or invest.
Parental Anxiety
Parents worry their kids will fall into debt but lack the tools or knowledge to teach them.
Our Solution
A virtual economy where children experience the consequences of financial decisions without real risk.
Virtual Ledger
Track virtual balances backed by "Bank of Mom & Dad." No real money moves. Parents hold the cash.
Shadow Investing
Invest virtual money in real stocks, ETFs, and crypto. Learn volatility and compounding without risk.
AI Wealth Coach
Generate realistic scenarios about debt, loans, and emergencies. Teach consequences through experience.
The Tax Man
Automatically deduct taxes from earnings. Kids learn why adults complain about taxes.
Inflation Monster
Idle cash loses value over time. Kids naturally discover why investing beats saving.
Frictionless Setup
30-second onboarding. No SSN. No KYC. No bank linking. Start teaching immediately.
Our Values
The principles that guide how we build m2mm.
Education Over Consumption
We teach kids how to grow wealth, not just how to spend it. Every feature is designed to build financial literacy, not encourage consumption.
Risk-Free Learning
Children need a safe space to make financial mistakes. Our virtual economy ensures they learn consequences without real financial harm.
Low Friction, High Impact
No SSNs, no KYC, no bank linking. Parents can start teaching in 30 seconds. Regulatory simplicity enables educational focus.
Affordable for All Families
Free tier provides core functionality. Premium is $5.99/month per family (not per child). Financial education shouldn't be a luxury.
Why m2mm is Different
| Feature | m2mm | Greenlight / GoHenry |
|---|---|---|
| Primary Goal | Education & Wealth Building | Spending & Convenience |
| Money Storage | Virtual (Parent holds cash) | Real (Bank holds cash) |
| Setup Friction | Low (30 seconds, No KYC) | High (SSN, Identity Check) |
| Investing | Simulated (No risk) | Real (Requires custodial acct) |
| Monthly Cost | Free or $5.99 | $5-15 + fees |
Join the Financial Literacy Revolution
Help us graduate a generation of children who know how to grow money, not just spend it.