🌱 INSTANT DIGITAL DOWNLOAD — $27
Your Teen Doesn't Know What They Don't Know About Money.
This Kit Changes That.
Most kids graduate high school without ever learning how to budget, save, or build financial habits that actually last. The MoneyRoots Starter Kit gives your family the tools to fix that, starting today.
Instant digital download • 4 printable PDFs • Works for ages 13–19
Here's What Nobody Told Your Teen About Money.
The school system teaches algebra, AP classes, and SAT prep.
It doesn't teach your teen how to build a budget. How to save on purpose. How to make financial decisions based on their values, not social pressure.
And by the time they realize they need these skills?
They're already in the deep end.
You've probably had the money conversation before. Maybe it went well. Maybe it went sideways. Either way, you know your teen needs more than a one-time talk.
They need a system. A starting place. A mirror that shows them where they actually stand.
That's what this kit is.
I Built This Because Your Teen Deserves a Real Head Start.
I'm Ashlee Richards, founder of Financially Growing LLC - a financial literacy education company built around one belief: the money lessons schools skip are the ones that change lives.
I created the MoneyRoots Starter Kit because every big financial education journey starts with one small, honest first step. This kit gives families that step, without overwhelm, without judgment, and without a finance degree required.
The tools in this kit are grounded in a simple rule I teach every student:
Needs first. Save second. Wants last.
Not because wants don't matter , but because real financial freedom starts with getting the order right.
This kit won't just give your teen information. It'll give them a foundation.
- Ashlee Richards, Founder, Financially Growing LLC
Here's Everything Inside the MoneyRoots Starter Kit
Four tools. One powerful first step for your family.
01
Quick-Start Parent Guide
Before your teen opens a single worksheet, you'll have everything you need to guide the process, without it turning into a lecture.
Inside this guide you'll find:
- The recommended order to use all 4 kit components
- 15 real-talk conversation starters
- Scripted responses to the 4 most common pushbacks
- A simple overview of every tool in the kit
This is the guide that makes everything else in the kit actually work.
02
Teen Money Assessment
Your teen has a money personality. This assessment helps them discover it, without a parent hovering over their shoulder.
Three parts that work together:
- Part 1 - 5 multiple choice questions on habits
- Part 2 - A 10-skill self-rating scale
- Part 3 - 6 open-ended reflection prompts
No grades. No judgment. Just your teen, getting real with themselves.
03
30-Day Family Money Challenge
30 daily challenges. 4 themed weeks. Individual AND family activities,- so this becomes something you do together.
The 4 weeks build on each other:
- Week 1 - Awareness
- Week 2 - Foundations
- Week 3 - Building Habits
- Week 4 - Grow & Plan Ahead
Small daily actions. Real lasting habits.
04
Budget Your Life Worksheet Pack
Three linked worksheets that take your teen from 'I have no idea where my money goes' to 'I have a real budget I actually built myself.'
What's included:
- Worksheet 1 - Know Your Numbers
- Worksheet 2 - The MoneyRoots Budget
- Worksheet 3 - My Money Goals
This is the worksheet pack that teaches your teen how to make their money work.
Is the MoneyRoots Starter Kit Right for Your Family?
This IS for you if...
You have a teen (ages 13-19) who has little to no money education, and you want to change that now, not after graduation
You've tried having the money conversation before but it didn't quite land, and you want a structured way to try again
You're ready to make this a family project, not just something you hand to your teen and walk away from
You want practical tools, not financial theory, stuff your teen can actually use this week
You believe financial literacy is one of the most valuable gifts you can give your kid
This is NOT for you if...
You're looking for investment advice or get-rich-quick strategies (that's not what we do here)
Your teen is already actively budgeting, saving, and working toward financial goals (they're ready for MoneyRoots Teens, our full course)
You want a one-time read with no action steps (every piece of this kit is designed to be used, not just read)
Everything You Get for Just $27
Here's the full value of what's inside the MoneyRoots Starter Kit:
Quick-Start Parent Guide - $15 valueTeen Money Assessment - $15 value30-Day Family Money Challenge - $19 valueBudget Your Life Worksheet Pack - $19 value
Total value: $68
$27
One-time payment. Instant digital download. Yours to keep forever.
Secure checkout • Instant PDF delivery • 100% satisfaction guaranteed
What Families Are Saying
★★★★★
"I honestly didn't know how to start the money conversation with my daughter without it turning into a fight. This kit gave me the exact words I needed. We did the 30-day challenge together and it changed how we talk about everything."
— Parent, Oregon
★★★★★
"The Money Assessment hit different. I thought I knew what my spending habits were, but seeing it laid out that way made me realize how much I was just going with the flow instead of making real choices."
— Teen, Age 16, Oregon
★★★★★
"We've done other financial literacy stuff before and it always felt like homework. This was the first time my son actually stayed engaged through the whole thing. The challenges made it feel like a game we were playing as a family."
— Parent, Oregon
Hi, I'm Ashlee Richards.
I'm a financial literacy educator and the founder of Financially Growing LLC, a financial education company built to give teens and families the money knowledge that schools leave out.
I created the MoneyRoots curriculum because I believe prevention is more powerful than recovery. The financial habits teens build right now are the ones that shape every money decision they make as adults, and most of them never get a real foundation.
My philosophy is simple: needs first, save second, wants last. Make money decisions based on your values, not what everyone else is doing. Build credit without carrying debt.
The MoneyRoots Starter Kit is where that journey begins.
"I built this because the conversation about money should start at home, and it should start long before it becomes a crisis."
- Ashlee Richards, Founder, Financially Growing LLC
Frequently Asked Questions
What age is this kit designed for?
The MoneyRoots Starter Kit is built for teens ages 13–19. The content is written directly to your teen, not down to them. Whether they're 13 and just starting to think about money or 18 and about to head out on their own, the tools in this kit are relevant right now.
What format is the kit delivered in?
Everything is delivered as downloadable PDF files, four separate documents you can save, print, or complete digitally. You'll receive a download link immediately after purchase. No app required. No subscription. Yours to keep forever.
Does my teen have to do this alone, or do we do it together?
Both, and that's intentional. Some components (like the Teen Money Assessment and Budget Worksheets) are designed for your teen to complete privately. Others (like the 30-Day Family Challenge) are built for you to do together. The Parent Guide walks you through exactly when to step in and when to step back.
We don't have a lot of money. Is this kit still relevant for us?
Yes, especially for you. The MoneyRoots philosophy is that budgeting and financial literacy matter most when money is tight, not just when there's plenty of it. This kit doesn't require a big income or a big savings account. It requires honesty and a willingness to build habits that will matter for life.
What if my teen refuses to engage or isn't interested?
The Parent Guide has an entire section on handling resistance, including word-for-word responses to the four most common pushbacks teens give. You're not alone in this, and you won't be left without a plan. That said: you can lead a horse to water. The kit gives you the best possible starting conditions, the conversation still has to happen.
Is this the same as the MoneyRoots Teens full course?
No, this is the starting point. The Starter Kit is a $27 entry-level resource designed to build awareness, spark the money conversation, and give your family a real foundation. The MoneyRoots Teens full course is a comprehensive 5-module self-paced curriculum that goes 10x deeper. Many families start here and upgrade to the full course within a few weeks.
Your Teen's Financial Foundation Starts Here.
For $27, you're giving your family the starting point that most people never get.
A real money conversation. A clear system. Tools your teen will actually use.
That's not a small thing. That's the beginning of everything.
Instant digital download • 4 printable PDFs • Works for ages 13–19
100% Satisfaction Guarantee
If you download the MoneyRoots Starter Kit, go through the materials, and genuinely don't feel it gave your family a real starting point — reach out within 14 days and I'll make it right. I stand behind this work.
— Ashlee Richards, Financially Growing LLC
Financially Growing guides individuals to gain healthy money behaviors and maintain positive money beliefs with truthful, common sense, financial education.
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