Markdown copy of https://vineteach.com/html/teachers/ (English; the page also switches to Spanish).

# For teachers

Free lessons about money and investing, with practice money only. Lessons are written for different ages (most at four levels), so a class can work on the same idea at the right depth.

## How it works today

1. Each student makes their own Vine account. For a student under 13, a parent or guardian is asked by email and says yes first.
2. Lessons open in order, so each student works along the path from where they start. You can tell the class which lesson to head for by its unit and lesson, the way the app numbers them ("Unit 4, lesson 2"). The list below uses the same numbers.
3. Students work at their own pace, and nothing costs anything.

Vine does not show you your students' progress yet. There are no class codes, rosters or teacher accounts: each student's progress stays in their own account.

## Play a lesson

The lesson on inflation, played for real at the age you pick. Nothing you do there is saved.

[Ages 7–9](https://vineteach.com/html/sample-lesson/)

[Ages 10–12](https://vineteach.com/html/sample-lesson/)

[Ages 13–17](https://vineteach.com/html/sample-lesson/)

[Ages 18+](https://vineteach.com/html/sample-lesson/)

## One lesson, four levels

The same lesson on inflation, as each age group meets it: its title, its opening idea and its first question.

Ages 7–9

### Prices go up

Most things cost a bit more each year.

First question

What is inflation?

Ages 10–12

### Inflation

Prices slowly rise over time

First question

What is inflation?

Ages 13–17

### Inflation and purchasing power

Rising prices quietly shrink what your money can buy

First question

Your grandparents say a movie ticket once cost far less. What best explains the difference?

Ages 18+

### Inflation, real returns, and purchasing power

Evaluating returns in real terms reveals the hidden cost of inflation

First question

An account balance rose from $10,000 to $10,200 during a year in which consumer prices increased 4%. What happened to the account's purchasing power?

## Every lesson, in order

115 lessons in 21 units, across 11 sections. Pick an age to see each lesson's title for that age.

## Units 1–2 Start here

### Unit 1: Owning a piece

1. Words to know: owning a piece
2. What is a stock?
3. Why prices move
4. Supply and demand
5. Compound growth
6. Don't put all your eggs…
7. Time in the market

### Unit 2: Choosing what to do with money

1. Words to know: choosing what to do with money
2. Needs vs wants
3. Make a budget
4. Opportunity cost
5. Saving goals
6. Impulse buying

## Units 3–4 Money basics

### Unit 3: Money and the people around you

1. Words to know: money and people
2. Where money came from
3. Price per unit
4. Emergency fund
5. Sharing and giving
6. Money and friends

### Unit 4: Banks and cards

1. Words to know: banks and cards
2. Bank accounts
3. Insurance basics
4. Debit vs credit
5. Tap, pay, keep track
6. Simple vs compound

## Units 5–6 How investing works

### Unit 5: What you can own

1. Words to know: what you can own
2. Risk and reward
3. What's an ETF?
4. Dividends
5. The Rule of 72
6. Your first practice trade

### Unit 6: Ups, downs and feelings

1. Words to know: ups, downs and feelings
2. Read a stock chart
3. Bulls and bears
4. Bubbles
5. Feelings and money
6. When to sell

## Units 7–8 Earning your own money

### Unit 7: Earning and taxes

1. Words to know: earning and taxes
2. From allowance to income
3. Reading your first pay stub
4. Side hustle math: what your time really earns
5. Investing in yourself: skills that compound
6. Taxes basics: gross, net and the slice in between
7. Your first job and your first tax return

### Unit 8: Keeping what you earn

1. Words to know: keeping what you earn
2. Pay yourself first: the habit that does the heavy lifting
3. Tracking spending: where your money actually goes
4. Subscription creep: the charges you stop seeing
5. Planning a big purchase: the full price
6. Saving vs investing: match the money to the timeline

## Units 9–10 Money systems

### Unit 9: Borrowing

1. Words to know: borrowing
2. Interest rates: the price of money
3. Credit cards: the minimum payment trap
4. Credit score: what moves the number
5. Loans: what borrowing really costs
6. Good debt and bad debt: judging whether it's worth it

### Unit 10: The system around your money

1. Words to know: the system around your money
2. Bonds: lower risk, lower return
3. Inflation
4. Central banks: one rate, many ripples
5. How safe is money in a bank?
6. Fees: compounding in reverse
7. Scams: how the pitch works

## Units 11–12 Investing foundations

### Unit 11: How you invest

1. Words to know: how you invest
2. Stock exchanges: where shares change hands
3. What an index measures
4. Index vs active: can you beat the market?
5. Mutual funds vs ETFs: what's actually different
6. Reinvesting dividends: compounding you can count

### Unit 12: Keeping your plan on track

1. Words to know: keeping your plan on track
2. Asset allocation: building your mix
3. Time horizon: matching money to its deadline
4. Rebalancing: keep your risk where you chose it
5. Dollar-cost averaging: steady beats guessing
6. Volatility: riding out the drops
7. Capital gains: short-term and long-term

## Units 13–14 Analyzing companies

### Unit 13: Reading the numbers

1. Words to know: reading the numbers
2. Revenue, profit and margins
3. Earnings, estimates and surprises
4. Cash flow: profit on paper vs money in the bank
5. The balance sheet: a company's snapshot
6. Company debt: a useful tool with a yearly bill

### Unit 14: Judging a company

1. Words to know: judging a company
2. Economic moats and how they erode
3. The 10-K: a company's yearly report
4. Market capitalization: pricing the whole company
5. Price-to-earnings: reading expectations in a single number
6. Sectors and diversification: not putting every egg in one industry

## Units 15–16 Mind and markets

### Unit 15: Feelings that cost money

1. Words to know: feelings that cost money
2. Loss aversion and the urge to bail
3. The sunk cost fallacy
4. Anchoring and misleading reference points
5. FOMO and the herd
6. Overconfidence: when certainty outruns the facts

### Unit 16: Stories your mind tells

1. Words to know: stories your mind tells
2. Recency bias: the last few weeks aren't a forecast
3. Hindsight bias
4. Confirmation bias: arguing with yourself
5. Survivorship bias: reading the whole graveyard
6. Gambling vs investing: where the money comes from

## Units 17–18 Putting it together

### Unit 17: Your plan

1. Words to know: your plan
2. Reading a balance sheet
3. Goals you can actually reach
4. Habits versus big moves
5. Putting a money plan together
6. Recovering from a money mistake
7. Knowing your risk tolerance

### Unit 18: The long game

1. Words to know: the long game
2. Check your sources: who's talking, and what they gain
3. Speculation vs investing: know which game you're playing
4. Crypto reality check: technology, volatility and scams
5. Retirement: why starting early matters
6. Your first job and your first retirement account
7. Your first real account: what to expect
8. The wealth equation: putting the whole course together

## Unit 19 Everyday money

### Unit 19: Spending smart

1. Words to know: spending smart
2. Percent off: reading a sale
3. Receipts and returns: know the rules
4. What owning something really costs
5. Splitting costs fairly
6. Online shopping tricks
7. Rent, borrow or buy: doing the math
8. Building a gift budget
9. Extras and add-ons

## Units 20–21 How the economy works

### Unit 20: How an economy runs

1. Words to know: how an economy runs
2. What an economy is
3. Jobs and why they change
4. What taxes pay for: shared goods and services
5. Comparative advantage
6. Exchange rates

### Unit 21: Businesses, growth and slowdowns

1. Words to know: businesses, growth and slowdowns
2. How competition shapes prices
3. Starting a small business
4. Productivity: why output per hour matters
5. Recessions: when an economy slows
6. Reading economic news

[Show your class where to start](https://vineteach.com/html/onboarding/)

Vine teaches how money and investing work. It never tells anyone what to buy, and it holds no real money.