KIDZ ECONOMY INVESTING SERIES · COURSE 3 OF 3
C.O.I.N.
Club
Compound · Opportunity · Invest · Now
The earlier they start, the further their money goes.
A story-driven after-school program that teaches Years 4–6 students how to earn, save, spend smart and let compound interest do the heavy lifting — starting right now.
8–10
WEEKS
Yr 4–6
AGE GROUP
50
MIN / LESSON
SGD 35
PER STUDENT / LESSON
Felix Tan
Founder of the C.O.I.N. Club — methodical, brilliant, sometimes too cautious
The only after-school program that shows students — through a live Earn, Save and Spend simulation — exactly what the difference between starting at age 10 versus age 20 looks like in real numbers.
THE PROBLEM
The most powerful financial tool available to a child is time — and most children have no idea.
Compound interest is one of the most important concepts in personal finance. A student who starts saving and investing at age 10 will accumulate significantly more wealth by adulthood than one who starts at 20 — even if the later starter saves more money per year. The mathematics are striking. The habit that makes it possible starts now.
C.O.I.N. Club doesn't just teach this concept — it makes students feel it. Through a persistent three-account simulation running across the whole program, students watch their Save Account compound week by week while their classmates who spend everything fall further behind. The gap between the two is the most powerful financial literacy lesson we know of.
3×
A student who saves KC 10 per lesson from Lesson 1 will have three times more compound interest than one who starts saving in Lesson 5. Students see this gap in real time.
Every lesson connects a real business concept to a live portfolio consequence. When Boba Burst targets the wrong customer and their share price drops, students who held those shares feel it. That feeling — and the analysis that explains it — is the most powerful financial education available to a Year 4–6 student.
3
Accounts per student — Earn, Save and Spend — running simultaneously across the whole program. Every decision has a visible consequence.
Now
The single most important word in C.O.I.N. Starting financial habits now — not later — is the lesson the whole program is built around.
HOW IT WORKS
Felix's club. Three accounts. Eight weeks of compounding.
Students join the C.O.I.N. Club as new members alongside Felix Tan. Each lesson, they earn Kidz Cash through the lesson's activity, decide how to split it across their three accounts, and watch their Save Account grow while Felix navigates his own financial decisions — and his new club member spends everything they earn.
💰
The Earn Account
Students receive weekly KC income through the lesson activity. The amount varies based on performance — making earning feel like a skill, not a given. Felix earns alongside them.
🏦
The Save Account
Any KC deposited earns compound interest added at the start of every lesson. Students who save more, earlier, watch their balance pull away from classmates — visibly and dramatically.
🛍
The Spend Account
Each lesson presents a real spending decision — buy now or save for something bigger. These are the opportunity cost moments. Every decision has a visible consequence on the balance sheet.
📡
Breaking News Events
Every lesson ends with a market alert that drops after the Trading Window closes. Students make decisions without knowing the outcome — exactly how real investing works.
WHY IT MATTERS
The habits formed at age 10 last a lifetime.
⏰
Time Is the Lesson
Every concept in C.O.I.N. — compound interest, opportunity cost, smart spending — is ultimately about the same thing: the earlier you start, the more time does the work. Students experience this firsthand through their Save Account.
🪞
The Contrast Does the Teaching
Watching the gap grow between students who save consistently and those who spend impulsively — across eight weeks of live simulation — is more persuasive than any lecture about saving could ever be.
🌱
Habits Before Concepts
C.O.I.N. is designed to build the habit of saving before students are old enough to think they don't need to. That habit — formed at 10 — is worth more than any single financial concept they could learn.
LEARNING OBJECTIVES
What C.O.I.N. Club sets out to teach.
01
Explain how money can be earned through different activities and why earning is a skill that develops over time
02
Understand what compound interest is and demonstrate why starting to save early produces dramatically different outcomes
03
Define opportunity cost and apply it to real spending decisions by weighing what is given up against what is gained
04
Distinguish between needs and wants and explain how that distinction affects financial decision-making
05
Explain the difference between saving and investing and describe when each approach is appropriate
06
Manage a personal three-account financial system — tracking income, savings growth and spending decisions simultaneously
07
Recognise common spending traps and explain how impulsive spending decisions affect long-term wealth
08
Articulate why the earlier you start saving and investing, the greater the advantage — and apply that principle to personal decisions
PROGRAM JOURNEY
7 core episodes. 2 supplementary. 1 finale. Up to 10 lessons total.
1
Welcome to the C.O.I.N. Club
Students join Felix's club, set up their three-account system, and make their first earning and saving decisions. Felix introduces his big goal — and the new club member arrives and spends their first KC immediately.
2
How Money Grows
Students calculate their first compound interest payment and see the gap beginning to open between consistent savers and spenders. Felix runs the numbers on what their balance will look like by the Finale.
3
The Opportunity Cost
A Breaking News spending temptation arrives. Students calculate exactly what they'd give up in compound interest to take it. Some do. Some don't. The gap between them starts to become visible.
4
Needs vs Wants
Felix's new club member faces a genuine need versus a strong want in the same lesson. Students help advise — and manage their own version of the same dilemma with their Spend Account KC.
5
Saving vs Investing
Felix's Save Account has grown — but is saving enough? Students explore the difference between a savings account and an investment and begin to understand when each approach makes sense.
6
Smart Spending
Discipline is tested. A series of spending decisions arrive — some reasonable, some traps. Students learn that smart spending isn't about never spending. It's about spending with full awareness of the cost.
7
The Spending Trap
The biggest temptation of the program lands. The new club member falls in completely. Students who hold their discipline watch their Save Account pull dramatically ahead in the final stretch.
S.A
The Investment Decision
Felix has saved enough to consider his first real investment — but his fear of losing money kicks in. Students help him run a risk vs reward analysis on two options and push him to act on what he already knows.
SUPPLEMENTARY A · 9-WEEK SCHOOLS
S.B
The Spending Trap — Deepened
A major temptation returns with higher stakes. Felix calculates the full compound interest cost of taking it. The new club member doesn't. Students see the gap between the two approaches in real KC terms.
SUPPLEMENTARY B · 10-WEEK SCHOOLS
★
Felix Makes His Move
Final balances are revealed side by side — Felix's versus the new club member's. The gap is the lesson. Students vote on whether Felix has saved enough to make his first B.O.S.S. Tower investment. He crosses over.
LEARNING OUTCOMES
What your student walks away able to do.
Save consistently and deliberately
Your student will leave C.O.I.N. with the habit of setting money aside — not because they're told to, but because they've seen what it produces over eight weeks.
Understand compound interest instinctively
Having watched their Save Account grow lesson by lesson, your student won't need to be told why starting early matters. They'll have felt it themselves.
Weigh opportunity cost before spending
Your student will approach spending decisions with a new question: what am I giving up by choosing this? That one habit is worth more than any financial rule.
Distinguish saving from investing
Your student will understand that savings protect wealth and investments grow it — and that both have a role at different stages of a financial journey.
Recognise and resist spending traps
Having experienced a spending trap in the simulation — and seen the consequences in their balance sheet — your student will approach impulsive purchases with a healthy scepticism.
Articulate a personal financial philosophy
By the Finale, students can explain — in their own words — why they made the financial decisions they made across the program. That self-awareness is the beginning of financial maturity.
DURATION & SCHEDULE
Fits your school's CCA calendar. No disruption required.
📅
8–10
WEEKS PER PROGRAM
⏱
50
WEEKS PER PROGRAM
📆
1×
PER WEEK, AFTER SCHOOL
🗓
T1–T3
TERMS AVAILABLE
How the program length works. Every school receives the same 7 core lessons plus the Finale — that's the complete 8-week program. Schools with 9-week terms add Supplementary Lesson A (Passive Income Power) before the Finale. Schools with 10-week terms add both Supplementary A and B (The Market Recovery) before the Finale. Every program length delivers a complete financial education. Lessons can be adjusted between 40–60 minutes to fit your CCA slot.
PRICING
Simple, transparent pricing. Everything included.
PER STUDENT, PER LESSON
SGD 35
All materials included · No hidden costs
All physical resources (Kidz Cash, stock cards, real estate cards)
Student portfolio tracker sheets
Experienced Kidz Economy instructor
Finale investment panel event
Certificate of completion for every student
Minimum Cohort
Programs run with a minimum of 6 students. The classroom economy works best with 8–18 students per cohort — enough for a competitive market without losing the personal touch.
What's Included
Every SGD 35 covers one complete lesson including all physical materials, the facilitator, and program management. There are no additional material fees, setup costs, or hidden charges.
Example Cost
A school running L.I.F.E. Agency for 10 students over 8 weeks pays SGD 2,800 total — less than SGD 350 per student for a complete financial literacy program with curriculum, resources and delivery.
The Complete Series
C.O.I.N. Club is the third program in the Kidz Economy Investing Series. Schools running all three receive priority booking and series pricing — contact us to discuss building a complete financial curriculum for your students.
WHAT SCHOOLS ARE SAYING
Real results from real classrooms.
"[Placeholder] The L.I.F.E. Agency transformed how our students think about money. By Week 3, they were analysing market events with genuine sophistication. This is unlike anything else we've offered in our CCA programme."
School Leadership
Deputy Head · International School, Singapore
"[Placeholder] I've taught for twelve years and I've never seen students this engaged in a financial context. The Tycoon Taylor character keeps them hooked — and the concepts genuinely stick."
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Parent
Year 6 Parent · International School, Malaysia
"[Placeholder] My daughter came home after the first lesson and explained to me what a stock market is. She's nine. That's the moment I knew this program was something special."
CCA Coordinator
Primary Educator · International School,Singapore
FREQUENTLY ASKED QUESTIONS
Everything you need to know before booking.
ANNUAL FLAGSHIP EVENT · SINGAPORE
The
Financial Games
Once a year, Kidz Economy partner schools come together for a two-day financial literacy competition. Students who have completed L.I.F.E. Agency compete across seven medal events — applying everything they've learned in a format that feels like a championship, not a classroom.
Every event awards individual medals to the top three teams. A running medal tally determines the overall school champion — who takes home the Financial Games Travelling Trophy.
SAT + SUN
WEEKS
3 HRS
PER DAY
7
MEDAL EVENTS
4
STUDENTS PER TEAM
🥇
5 pts
Gold
🥈
3 pts
Silver
🥉
1 pt
Bronze
SGD 100 / student
Partner school entry