Question 1

How does the free plan work?

Accepted Answer

Our free plan includes basic Virtual Ledger tracking, manual deposits/withdrawals, and 1 active shadow stock investment. You can track what you owe your kids, approve gigs and cash-outs, and let them invest virtual money in one real asset. No credit card required. You can upgrade to Future Billionaire anytime to unlock all features.

Question 2

What's included in the Future Billionaire plan?

Accepted Answer

Future Billionaire ($5.99/month per family) includes everything: unlimited shadow stock investments (Apple, Bitcoin, S&P 500, etc.), full access to AI Wealth Coach scenarios, Hard Mode features (Tax Man & Inflation Monster), advanced analytics, and data export. It covers your entire family - not per child.

Question 3

Do I need to provide my SSN or bank account?

Accepted Answer

No! That's the beauty of m2mm. We're a virtual ledger - you hold the real cash. We just track what you owe your kids. No SSN, no KYC, no bank linking required. You can start in 30 seconds.

Question 4

Is there real money at risk?

Accepted Answer

Zero. Shadow Investing uses virtual currency that tracks real market prices. If your child invests $100 virtual dollars in Apple and it goes up 5%, their virtual balance increases to $105. But it's all simulated - you never risk actual money. It's a flight simulator for financial education.

Question 5

How does Shadow Investing work?

Accepted Answer

Kids invest their virtual balance in real assets like Apple stock, Bitcoin, or the S&P 500. Our system tracks actual market prices via API. If the real asset goes up or down, their virtual balance changes proportionally. They learn about volatility, risk, and compounding without any real financial risk.

Question 6

What is Hard Mode?

Accepted Answer

Hard Mode introduces real economic forces: The Tax Man automatically deducts a percentage from gig earnings (you set the rate), and the Inflation Monster reduces idle cash over time. Kids naturally learn why investing beats saving cash. It's optional and only available with Future Billionaire ($5.99/mo).

Question 7

Can I cancel anytime?

Accepted Answer

Yes! Cancel your Future Billionaire subscription anytime. You'll keep access until the end of your billing period, then automatically switch to the free plan. Your kids' data and virtual balances are never lost - you just get free tier limitations (1 shadow stock, no Hard Mode, basic scenarios).

Question 8

How is this different from Greenlight or GoHenry?

Accepted Answer

Greenlight and GoHenry give kids debit cards and teach spending. m2mm teaches wealth building. We focus on education through a virtual economy (no real money moves), shadow investing (learn without risk), and AI scenarios (teach consequences). Plus, we have no SSN/KYC requirements and start in 30 seconds.

Features	Free	Future Billionaire
Virtual Ledger
Shadow Stock Investments	1 stock	Unlimited
AI Wealth Coach Scenarios	Basic	Full Library
Hard Mode (Tax & Inflation)
Analytics	Basic	Advanced
Data Export
Support	Email	Priority

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