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Free sample courseCalifornia personal financeEducoin learning walletMarble assets now
The money course students will wish every school had.
A complete VR School personal finance journey: cinematic learning worlds, rigorous UC A-G-ready artifacts, trusted public resources, SofAI coaching, and a clean path from open preview to the right dashboard for every learner, family, teacher, district, and sponsor.
Lessons
13
Open now
3
Semester
18 weeks
Starter wallet
500 EDU
Course journey
Open, then personalized.
1
Build Your Money Operating System
What should money do for me before anyone tells me what to buy?
2
Banking, Payment Apps, and Safe Money
Where should my money live, and how do I keep it safe?
3
Income, Paychecks, Benefits, and Taxes
Why is my paycheck smaller than my wage, and what is the real value of a job?
Account checkpoint with Educoin after lesson three
Lesson four and beyond guide visitors to create an account and choose student, parent, teacher, district, or sponsor context so their dashboard matches their job to be done. SofAI can offer pending Educoin credits that post to the right learning wallet when the account is created.
Curriculum promise
Practical enough for Friday's paycheck. Ambitious enough for a transcript.
The course uses public YouTube and educator resources as launch fuel, then asks students to produce original evidence: budgets, account plans, credit rules, risk maps, affordability plans, and a ten-year money operating system.
A 18-week semester arc mapped to California personal finance implementation needs.
Three complete open lessons before account creation is required.
Marble-ready immersive asset briefs for every lesson, with physics intentionally reserved for the next production phase.
Original student artifacts, SofAI coaching prompts, formative checks, and district visibility signals.
Complete semester map
District free accessEvery lesson has a world, a decision, a resource set, and proof of learning.
Week 1
1. Build Your Money Operating System
What should money do for me before anyone tells me what to buy?
The Decision Atrium
A sunlit circular room with floating life goals, price tags, pressure signals, and a calm planning table at the center.
Open lesson
Week 2
2. Banking, Payment Apps, and Safe Money
Where should my money live, and how do I keep it safe?
The Account Terminal
A bright bank terminal, ATM alcove, mobile-wallet wall, fee scanner, and fraud alert room connected by glowing rails.
Open lesson
Weeks 3-4
3. Income, Paychecks, Benefits, and Taxes
Why is my paycheck smaller than my wage, and what is the real value of a job?
Paycheck Studio
A career floor with hourly, salary, gig, benefits, tax withholding, and take-home pay machines feeding one dashboard.
Open lesson
Weeks 5-6
4. Budgeting for Real Life
How do I build a budget that survives actual life?
Life Budget Command Center
A living dashboard of rent, food, transit, savings, family support, subscriptions, emergencies, and joy.
Open lesson
Week 7
5. Saving, Sinking Funds, and Emergency Resilience
How can small amounts become real protection?
Resilience Vault
A calm vault with jars for emergency funds, planned expenses, short-term goals, and community support.
Open lesson
Weeks 8-9
6. Credit Score Flight Simulator
How do borrowing choices follow me into future opportunity?
Credit Flight Deck
A cockpit where utilization, payment history, credit age, inquiries, and debt mix appear as flight instruments.
Open lesson
Weeks 10-11
7. Debt, Loans, and Paying for College
When is borrowing an investment, and when is it a trap?
Affordability Observatory
A transparent observatory comparing certificates, community college, CSU, UC, private college, work, grants, and loans.
Open lesson
Week 12
8. Insurance and Risk
What risks can I carry, share, reduce, or insure?
Risk Room
A room of doors labeled auto, renters, health, life, disability, deductibles, premiums, and claims.
Open lesson
Weeks 13-14
9. Investing, Compounding, and Wealth Building
How does time turn small ownership into future options?
Compounding Garden
A vivid garden where time, diversification, fees, risk, and contributions grow into different future landscapes.
Open lesson
Week 15
10. Housing, Transportation, and Independent Living
What does it actually cost to become independent?
First Apartment Walkthrough
A realistic apartment and transit map with rent, deposit, utilities, groceries, commute, furniture, and repairs.
Open lesson
Week 16
11. Consumer Protection, Scams, and Digital Privacy
How do I protect my money when systems are designed to distract me?
Scam Signal Arena
A bright investigative arena with phishing messages, fake offers, subscriptions, privacy settings, and complaint portals.
Open lesson
Week 17
12. Entrepreneurship, Giving, and Community Wealth
How can money choices create value beyond me?
Community Value Lab
A neighborhood map with small businesses, nonprofits, schools, mutual aid, taxes, and household budgets connected.
Open lesson
Week 18
13. Capstone: My Ten-Year Money Plan
What financial system will future me thank me for starting now?
Future Self Gallery
A museum of possible futures: education, work, family, health, housing, entrepreneurship, community, and retirement.
Open lesson
Role-based continuation
After lesson three, the platform asks who you are.
A student needs coursework. A parent needs visibility. A teacher needs facilitation tools. A district needs rollout evidence. The checkpoint routes each visitor to the right dashboard instead of dropping everyone into the same hallway.
Students
Start the free preview, create a learner account after lesson three, and continue into the student dashboard.
Families
Track the course purpose, support at-home money conversations, and help students choose the right pathway.
Teachers
Use the scope, artifacts, rubrics, and Marble briefs to plan facilitation and review student proof.
Districts
Districts included in the activation database can request free access for the financial literacy initiative.
Trusted resource layer
YouTube and public resources become guided practice, not random links.
The course links to trusted public programs and videos, then The VR School adds the immersive environment, student artifact, SofAI reflection, and dashboard signal.
California Department of Education
AB 2927 implementation hub and Personal Finance Curriculum Guide access.
Khan Academy Personal Finance
Free student-friendly personal finance lessons and videos.
FDIC Money Smart
Federal financial education materials for multiple learner groups.
CFPB Youth Financial Education
Activities, tools, and money skills guidance for educators.
Federal Reserve Education
Classroom resources on economics, banking, credit, and money.
Visa Practical Money Skills
Free financial literacy resources, games, calculators, and lesson support.
PBS Two Cents
Accessible YouTube explainers for consumer decisions, debt, investing, and money psychology.
Sponsorship strategy
Banks can fund access without owning the classroom.
These programs can become outreach targets for scholarships, family workshops, sponsored cohorts, financial literacy events, and community impact reporting while The VR School keeps instruction student-centered and academically accountable.
Bank of America Better Money Habits
A natural sponsor for student money habits, family workshops, and plain-language financial confidence campaigns.
Wells Fargo Hands on Banking
Strong fit for banking basics, credit readiness, educator resources, and multilingual family outreach.
Capital One Money & Life Program
Useful for student coaching, money values, goal-setting, and community-based financial well-being.
Truist Money and Mindset
A good partner for financial confidence, behavioral finance, and money mindset experiences.
EVERFI financial education
Potential implementation partner for sponsored K-12 financial education access and district relationships.
NEFE High School Financial Planning Program
A trusted nonprofit reference point for curriculum alignment and teacher-facing financial planning support.
The California invitation
Let students experience the future of financial literacy before anyone asks them to enroll.
Districts in the activation database can request the course free for the financial literacy initiative. Everyone else can still preview the first three lessons and see the standard we intend to set.