At home
Let the young person choose the fictional life. Ask for one reason after a choice rather than choosing the cheapest option for them. Compare two possible plans, then let the round show a tradeoff.
✦Life Skills — Financial Literacy
Glow Up Money Moves™
Choose Now. See the Next Move.
Choose your career, a place to live, a car or no car, and a bank account. Then see how your choices work together when payday, life events and bills arrive. There is no personality quiz or starter question before building your fictional financial life. Every amount is illustrative, with clear costs, consequences and recovery choices.
✦Learn by deciding
Every round makes the money lesson visible.
Choose a nickname, then select a career, housing, car, bank and budget for one shared financial simulation. No real age, account, paycheck or mandatory goal is needed.
Start the month, review the illustrated income and notice the choices available under the current rules.
Read each scenario’s amount, source of funds and decision cue. There is not one perfect life choice—notice the tradeoff.
Review current bills and any named overdue items before confirming. Then use the recap and ledger to see what changed and plan a recovery step.
Money Moves is a learning simulation, not financial advice or a measure of anyone's future. It never asks a player to enter a real account, school, age or paycheck.
Families & teachers: play with purpose
The lesson is in the life choices: career, housing, transportation, banking and the monthly statement. Choose a fictional plan first. Ask a useful question during or after play—not before a learner can begin.
In a classroom
Use solo or small-group play. One learner chooses, another checks the listed costs, and another explains the tradeoff; rotate roles. Discuss a fictional plan or a shared example, not a family's real income or account details.
After a round
Pause voluntarily at the summary. Use one question below, a matching workbook or the optional Practice Arcade. There is no required pre-test, essay, speed challenge or score to unlock the simulation.
Choose income before commitments
Compare the career's listed take-home pay with its education pathway and any student-loan obligation. Salary is not the same as money available to spend.
Which career fits this fictional plan, and which education cost or tradeoff did you notice?
Compare the whole cost of a home and a ride
Use the housing and transport cards: upfront cost, recurring payment and the costs explicitly included. A no-car plan is a real choice, not a failure.
What becomes easier or harder if you choose a lower-cost home, a different ride or no car?
Choose a bank for its terms
Compare the fictional account's monthly fee, savings terms and any bonus. A bonus is not monthly income; a later credit offer is borrowing, not a paycheck.
Why does this account fit your plan better than another option? What would you check in its terms?
Plan before paying
Read the actual statement after income and events. Compare available checking/cash plus savings, essentials, chosen expenses and named overdue bills. An approved loan or card has repayment costs.
If this month's funds cannot cover everything, which payment comes first, what waits, and what is the cost of borrowing instead?
Explain a recovery move
Watch warnings and compare the next statement with the last one. Unpaid ordinary bills stay named; three missed housing payments lead to the game's lower-cost housing recovery. Cars are not repossessed.
Name one decision you would keep and one you would change next month. Which number or consequence supports your reasoning?
Look for a learner who can compare two options, identify a recurring cost, explain a bill priority and name a possible recovery move. Game balances and scores are practice feedback, not a verified school grade or a judgment of the learner.
Use nicknames and the game's illustrative numbers. Never ask students to share real income, school, bank credentials or a family's financial hardship. Nothing is submitted or graded by this guide.
✦One common game
One financial simulation. Clear choices at every step.
Fictional household money practice
One shared financial simulation
Build a plan around income, housing, food, bills, savings, approved borrowing and a goal.
Try this scenario
A fictional month asks you to make room for a home, food, a surprise and the commitments already on your statement.
Debrief
Read the amount, the funds it uses and the stated consequence before confirming. A credit limit is not extra income, and an overdue bill stays visible until you address it.
Built for real Glow Girls
✦What's Inside
A complete financial decision desk, in one game.
- ✦30+ Career Paths
- ✦100+ Life Event Cards
- ✦Credit approval & score practice
- ✦Household & food decisions
- ✦Three missed housing-payment recovery
- ✦Named bill rollovers & decision labs
- ✦Budget, grocery & money-quiz arcade
- ✦Searchable money tips with trusted sources