Bring money learning into your homeschool routine
Explore money topics together and connect learning to everyday decisions at home.
Use Marshmallow Money resources to start conversations, follow your learner’s curiosity and revisit ideas at a pace that works for your teen.
Together, the books and educator packs explore and reinforce an understanding of financial concepts, provide opportunities to practice financial math, and learners are able to personalise content to build their financial confidence.
Our physical books give your teen a screen-free opportunity to master financial concepts and link them to broader economic and consumer issues happening in society today.
Our worksheets provide the opportunity to consolidate concepts, apply knowledge to their own circumstances, and practice financial math. Teens can assess their learning with two quizzes, and build vocabulary with the crossword and wordfinder. You'll find these resources in the Educator Packs that supplement learning for each book.
Looking for ways to build practical and real-life learning into the homeschool day?
The Marshmallow Money books are evidence-informed resources designed by financial literacy researcher Dr Tracey West (PhD). They embed behavioural tips to help manage money and prepare teens for the real world.
Explore Marshmallow Money’s three learning levels and choose a place to begin that suits your learner’s understanding, interests and experience.
1Financial Foundations
Students are introduced to core money concepts such as needs and wants, goal setting, saving, spending, delayed gratification, consumer choices, budgeting, taxation, and basic financial decision-making. At this level, the focus is on building confidence, curiosity, and positive money habits.
Books include Saving, Spending and Tax.
2Financial Empowerment
Students begin exploring more complex financial systems, including the financial system, investing, superannuation, risk and insurance, scams, economic decision-making, and understanding how personal choices can influence long-term financial wellbeing. At this stage, learners are encouraged to think critically, ask questions, and connect money decisions with real-life situations.
Books include Superannuation and Investing.
3Financial Independence
Students engage with applied financial decision-making such as buying a car, buying a property, starting work and paying bills. This level helps young people prepare for adult financial responsibilities and future decision-making.
The first book in this series is Buying a Car.
These three levels create a structured pathway that supports financial learning from adolescence into adulthood.
Each book is supplemented with an 'Educator Pack', that includes 5 worksheets, 2 quizzes and a wordfinder and crossword. These downloadable files help build vocabulary, reinforce key concepts, practice financial math, and personalise the concepts.
Developed with homeschool in mind, your teen can read the book and work through the educator pack materials. Each resource in the educator pack has a solution sheet, so they can cross-check their learning.
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Not sure how to talk to your teen about money? This free guide provides seven skills to focus on, and conversation prompts to help you help set your teen up for success.
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Interested in learning more about how the books align to the Australian Curriculum: Mathematics v9? This free guide provides comprehensive mapping and ideas for lessons across grades F-10.
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Homeschooling with Marshmallow Money: common questions
Absolutely. Marshmallow Money was designed for young people and the trusted adults who support them, whether those adults have a background in finance, education, or
business.
The books use relatable characters, real-world examples, guided questions, and age-appropriate explanations to make money conversations easier and less intimidating.
You do not need to have all the answers. In many cases, learning together can be one of the most valuable parts of the experience.
Money learning often begins much earlier than people realise. Children observe spending, saving, shopping, advertising, digital payments, and conversations about money from a young age. These everyday experiences help shape early beliefs, attitudes, and habits.
That is why Marshmallow Money supports financial learning as a developmental journey, from early money habits and consumer awareness through to investing, taxation, superannuation, and long-term financial planning.
There is no “perfect age” to start. The best time is when children begin asking questions, noticing choices, or showing curiosity about how money works.
Marshmallow Money resources are organised into three learning levels:
Financial Foundations: Early money habits, needs and wants, saving, spending, goal setting, budgeting, taxation and consumer awareness.
Financial Empowerment: Understanding risk and risk management strategies, Investing, superannuation, debt, risk, career income, long-term planning, and preparing for adult financial
responsibilities.
Financial Independence: Practical information and tips for important financial decisions, such as buying a car, buying a property, and starting a business.
Rather than focusing only on age, we encourage families to choose resources based on curiosity, maturity, confidence, and life experience.
Yes. Marshmallow Money is designed to support learning across a range of contexts.
The resources can be used to support:
- Mathematics and financial mathematics
- Humanities, economics, and business studies
- Careers and work readiness programs
- Student wellbeing and pastoral care programs
- Consumer education and digital safety discussions
- Cross-curricular inquiry and project-based learning
Financial decision-making is part of everyday life, which means financial education can connect naturally with many learning areas.
Yes. Marshmallow Money recognises that every family experiences money differently.
Family values, cultural traditions, migration experiences, community responsibilities, financial stress, religious beliefs, and different life opportunities can all shape how people think about money.
That is why Marshmallow Money uses stories, characters, and case studies that encourage learners to explore different perspectives, ask thoughtful questions, and recognise that financial decisions are shaped by values, culture, systems, and lived experience.
The goal is not to teach one “correct” way to manage money, but to help young people think critically, act thoughtfully, and make informed decisions in their own lives.