Teacher kit

Everything to teach money and investing with pretend money: a unit plan by grade band, a slides outline, a rubric, class challenge codes, a family letter and alignment notes.

Educational simulation. Not investment, tax or legal advice. Goal100 is not a broker or investment adviser. Companies, prices and news are made up by code. No student accounts; progress stays on the device.

📈 Simulator 📘 Course ✉️ Family letter

1 · Run a class challenge (5 steps)

Open the simulator and press “Teacher: make a class code”.
Pick the grade band, the goal (for example, Stay diversified) and the length (3, 6, 12 or 24 simulated months). Press “Make a challenge code”.
Write the code on the board (for example G100-68-DIV-12-OTTER27). Each student types it on the start screen: everyone gets the same made-up market.
Students write their plan, buy, and move the days forward. Pause on news days to discuss: “What would you do? Why?”
At the end, each student presses “My goals and share card”, then “Make my code”. Paste the ISIM- codes into “Read student result codes”. Nothing travels over the internet.

For course progress, students use “Send to my teacher” (ITZ- codes) and you read them on the course's Teacher page (starter PIN 2468, this device only).

2 · Unit plan by grade band

Band	Sessions (about 20-30 min each)	Simulator
Pre-K-2	1 Needs and wants · 2 The saving jar · 3 Waiting makes it grow (interest). Games: Need or want?, Saving jar.	Not used. Use the saving jar.
3-5	4 Four jobs for money · 5 Interest · 6 Goals and patience · 7 What is a company? · 8 My first pretend investment.	$100, 5 made-up companies, 1 simulated month. Goal: own 3 or more.
6-8	9 Budget first · 10 Compound growth tower · 11 Stocks · 12 Bonds · 13 Funds · 14 Risk and reward · 15 Your paper-money portfolio.	$1,000, 6-12 month challenge: Stay diversified or Keep to your plan. 20-year time machine.
9-12	16 Index funds · 17 Fees · 18 Inflation · 19 Taxes basics · 20 Retirement accounts · 21 Credit and interest · 22 Orders and spread · 23 Candlesticks · 24 P/E ratio · 25 Biases · 26 Scams · 27 Day trading, leverage, options, short selling (concepts only) · 28 Crypto (concept only).	$10,000, limit orders, order book, candles, fees. 12-24 month challenge: Fee-smart or Be patient.

Each quest: a real-life hook, one big idea in 12 words or fewer, a motion graphic, a do-it-together example, “I'm stuck” help, practice with kind “Not yet” feedback, and a check with Goal: 100% (95% = Mastered; review after 1 day, 1 week and 1 month).

3 · Slides outline (10 slides)

Title: Learn money like a pro, with pretend money.
Opening question: “If you had $1,000 of pretend money, what would you do?”
Key words: stock, bond, fund, interest, risk (Word cards 3D).
Compound interest: the growth tower (A = P(1 + r)ᵗ).
Diversification: the egg basket (Investor.gov).
Risk and reward: 100 possible futures.
How a trade works: bid, ask, spread, market and limit orders (9-12).
Write your plan and start the challenge with the class code.
News days: what would you do and why? Biases and scam red flags.
Wrap-up: time machine, goals reached, share card (ask a grown-up before posting).

4 · Rubric (learning goals, not returns)

Criterion	Not yet	On the way	Mastered
Diversification	1-2 holdings, or one over 60%	3-4 holdings, none over 50%	5+ (or the Whole Market fund), none over 40%
Keeping the plan	No written plan, or many trades	Written plan; went over in one month	Kept the limit every month after the first
Fees and risk	Can't explain fees or volatility	Explains one of the two	Fees under 1% and explains the time machine
Decisions on news days	Panic-sells	Hesitates but explains	Holds through a drop and gives an evidence-based reason
Vocabulary	Under 95% on checks	95-99%: Mastered! Go for 100%?	100%: gold Perfect star

5 · Alignment notes

New York: the Board of Regents requires personal finance instruction in grades 5-12 from 2026-27 and in grades K-4 from 2027-28 (NYSED memo, March 24, 2026). Guide and source
Math (connections, not full coverage): percents and ratios (NY-6.RP, NY-7.RP.3), exponential functions (NY-AI-F.LE), data displays (NY-AI-S.ID). Teacher check: confirm codes against your district guide.
Social studies: economics concepts (companies, markets, inflation) as connections. Teacher check.
SEL: impulse control and responsible decision-making (written plan, biases).
This is an Extra course: it helps you succeed and is not graded. It never gives personalized advice or recommends real securities.

6 · Safety and privacy

No accounts, no named leaderboards, no streaks on trading, no surprise prizes.
No real money, no brokerage links, no affiliate links, no crypto in the simulator.
Borrowed money (leverage) appears only in a separate risk demo; it cannot be used to trade.
The share card shows only learning goals: no names, no amounts. It is made in the browser.

7 · Official sources (checked November 13, 2026)

8 · Picture tools by lesson

Each lesson opens its tool at the practice step. Use them on the smart board: one person taps, the class predicts first.

Indicators describe past prices; they don't predict the future.