Junior Starz Kids™
Financial vocabulary, saving, spending, banking, goals, entrepreneurship, ownership, investing concepts and positive money habits taught through interactive learning.
StoriesGamesMoney ChallengesBadgesSimulationsFamily Activities
TKOG Junior Starz Academy™
Build financial intelligence before adulthood begins.
A complete financial intelligence, life-readiness, ownership and wealth-development institution designed specifically for kids and teens.
Kids + TeensDigital + In PersonPowered by AVACompetency Based
Junior Starz Academy™
Financial Intelligence • Life Readiness • Brighter Tomorrows
Learn•Lead•Own•Build
The Youth Financial Institution
Not a money class. A complete financial education system for growing up.
Junior Starz Academy is designed to prepare students for the financial realities of adulthood before the paycheck, credit card, car loan, apartment, college bill, mortgage, business or investment ever arrives.
STAGE 1Financial Curiosity
STAGE 2Financial Literacy
STAGE 3Financial Competency
STAGE 4Financial Confidence
STAGE 5Financial Readiness
STAGE 6Ownership
STAGE 7Wealth Building
STAGE 8Legacy
Two Experiences. One Academy.
Built for the way kids and teens actually learn.
Every concept is adjusted by age, reading level, knowledge and real-life relevance. Younger students learn through stories, games and challenges. Teens progress into adult-level financial decisions and simulations.
Junior Starz Teens™
Real-world preparation for paychecks, banking, credit, debt, cars, apartments, taxes, insurance, investing, entrepreneurship, homeownership, contracts and wealth.
Real PaychecksCreditInvestingCarsHousingBusinessREADY FOR LIFE™
Junior Starz Financial Life Curriculum™
Everything young people should know before they have to learn it the expensive way.
Money Foundations Academy™
Money, value, habits, goals, needs vs. wants and smart choices.
Saving & Budgeting Academy™
Saving systems, spending plans, emergency funds and financial discipline.
Banking Academy™
Checking, savings, debit cards, fees, digital banking and account safety.
Credit & Debt Academy™
Credit reports, scores, APR, loans, cards and responsible borrowing.
Smart Consumer Academy™
Price vs. value, subscriptions, warranties, financing and total cost.
Paychecks & Taxes Academy™
Gross vs. net pay, W-2s, 1099s, withholding and tax fundamentals.
Insurance & Protection Academy™
Risk, coverage, deductibles, life, auto, renters and identity protection.
Investing Academy™
Compound growth, stocks, bonds, funds, diversification and long-term investing.
Entrepreneurship Academy™
Ideas, customers, pricing, revenue, profit, business plans and ownership.
Real Estate Academy™
Renting, homeownership, mortgages, equity and property fundamentals.
Career & Income Academy™
Career economics, benefits, negotiation, skills and income growth.
Digital Money Academy™
Payments, fintech, cybersecurity, scams, fraud and digital identity.
Ownership & Wealth Academy™
Assets, liabilities, net worth, ownership and wealth-building systems.
Family Finance Academy™
Shared goals, household decisions, giving and family financial culture.
Contracts & Decisions Academy™
Fine print, leases, financing agreements and decision preparation.
Legacy Academy™
Beneficiaries, inheritance concepts, stewardship and generational knowledge.
AVA Starz™
A financial education intelligence system that grows with the student.
AVA adjusts explanations, exercises, simulations and recommendations based on age, grade level, current knowledge, goals, progress and parental permissions.
AVA
Ask. Learn. Practice. Master.
Students can ask financial questions in language they understand, then AVA turns the answer into a learning pathway instead of simply giving them a conclusion.
Age-adjusted explanationsPersonalized lessonsPractice scenariosProgress intelligenceParent permissionsNext-best lesson
74Junior Financial IQ™
Junior Financial IQ™
Measure what they know. Build what they need next.
Every student receives an age-appropriate competency assessment across money, saving, banking, credit, consumer decisions, taxes, insurance, investing, entrepreneurship, ownership, digital safety, wealth and legacy.
AVA converts the assessment into a personalized Junior Starz Financial Mastery Plan™.
Junior Starz Life Simulator™
Practice adult financial life before adult financial consequences.
Students manage careers, income, taxes, housing, transportation, insurance, credit, debt, savings and investments while AVA introduces real-life events and shows the financial impact of every decision.
Life Simulation: First CarLIVE SCENARIO
Vehicle Price$28,500
Loan APR / Term8.9% / 72 mo.
Insurance$248/mo.
Maintenance + Fuel$310/mo.
Cash Flow−18%
Savings−11%
Debt+31%
Net Worth↓
Real-World Financial Labs™
Students do the work, not just memorize the words.
Junior Starz turns financial concepts into practice environments where students can make decisions, see consequences and build competence safely.
🏦
Junior Bank™
Practice deposits, withdrawals, saving, account management and banking decisions.
📈
Investment Lab™
Build simulated portfolios and experience risk, diversification and compounding.
🚗
Smart Buyer Lab™
Compare vehicles, financing, APR, insurance, maintenance and total cost.
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Real Estate Lab™
Explore rent, mortgages, closing costs, equity and homeownership decisions.
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Business Lab™
Launch a simulated company, price products, manage cash flow and calculate profit.
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Protection Lab™
Learn insurance, identity protection, fraud prevention and emergency readiness.
Achievement With Standards
Junior Starz Certification Ladder™
Students progress through demonstrated financial competency. Certificates represent completion and proficiency within the Junior Starz educational system, not government or professional licenses.
LEVEL 1Junior Starz Money Foundations™
LEVEL 2Junior Starz Financially Literate™
LEVEL 3Junior Starz Financially Competent™
LEVEL 4Junior Starz Financially Fluent™
LEVEL 5Junior Starz Financially Prepared™
LEVEL 6Junior Starz Young Wealth Builder™
LEVEL 7Junior Starz Financial Leadership™
Graduation Standard
READY FOR LIFE™
The culminating Junior Starz Financial Readiness Certification requires students to complete the Real Life Capstone™ and demonstrate practical competency.
- Manage simulated income and taxes
- Build and protect credit
- Evaluate housing and transportation
- Choose insurance intelligently
- Create savings and investment systems
- Understand contracts and borrowing
- Build a five-year adult financial plan
The Academy Extends Beyond the Student
Parents, families, schools and communities learn together.
Parent Portal™
Financial IQ, course progress, strengths, gaps, simulations, certifications, goals and recommended family conversations.
School Edition™
Classrooms, teacher dashboards, assignments, competency reporting, school analytics and district-level implementation.
Community Campus™
Junior Starz can operate through TKOG locations, schools, churches, community centers, after-school programs and youth organizations.
Central KPI
Financially Prepared Youth Created™
Junior Starz measures transformation, not attendance alone.
IQ↑Financial IQ Growth
✓Competencies Mastered
★Certifications Earned
18Ready For Life Graduates
∞Generational Impact
Financial intelligence should start young.
Junior Starz Academy is being built to give kids and teens the financial education, practice and preparation they need before adulthood begins.