1-on-1 tutoring · Grades 2–10+
4PM Club pairs your child with a vetted tutor for live, one-on-one lessons in financial literacy — real-world skills school skips, taught in a way that actually clicks.
No card required for your first lesson · Money-back guarantee
Why it matters
Most kids learn about money the same way most parents did: by making expensive mistakes in their twenties. We do it earlier, with a real teacher, in 45 minutes a week.
Book a free trialSaving, spending, sharing — practiced with real allowance, not hypothetical dollars. Habits land before the teenage years.
How prices happen. Why businesses exist. What it takes to actually start one — taught with real local examples, not buzzwords.
Reading a price tag, budgeting their birthday money, recognizing a scam. Practical literacy — not a math test.
Signature Program
Our core curriculum focuses on Money & Financial Literacy, designed to scale with your child's age group over 1 to 6 months of active learning.
A 1:1 program covering how money actually works: earning, saving, spending, prices, banks, compound growth, and debt traps. Every level ends with something real your kid builds and can show you.
See the curriculumThe Curriculum
Every lesson is built around your child's grade and the things they'll actually use. Instead of worksheets, they build real budget planners, money games, and visual projects they're proud to show you.
The bar we hold ourselves to
We treat the relationship with you and your kid the way we'd want our own kids' classes to be treated. No surprises, no fine print, no growth hacks at your expense.
Book a free trialIdentity verification, background check, and a teaching trial with a real student before any educator is paired with your kid. We share the teacher's name and a short bio before the first session.
We collect the parent's contact details and the kid's grade range — nothing more on the form. Your kid's name and details stay between you and the teacher.
Sit in on any lesson, any time, no notice required. We also send a short Friday email every week — what your kid learned, what they struggled with, what to ask them about.
First class is free. If your kid doesn't love it by the second paid class, we refund both. We mean it and we've honored it every time.
Honest pricing, no tricks
Money-back guarantee. First class free. Full refund if your kid doesn't love it by class two.
Best for "let's try this first"
$120
$30 / lesson
4 classes · 4 weeks
Most popular
$220
$27.5 / lesson
8 classes · monthly
Great for a full term
$600
$25 / lesson
24 classes · 3 months
Best $/class value
$1080
$22.5 / lesson
48 classes · 6 months
USD pricing. Sibling discount available — message us on WhatsApp or email. See the full comparison →
Frequently asked
1:1 with a real teacher is structurally different from a YouTube class. The teacher reads your kid's attention in real time, changes pace, asks direct questions. Average kid is fully present for the full session by class two. If yours isn't, we tell you honestly and we refund.
Yes! Our financial-literacy and money programs are designed for Grades 2 through 10+. The curriculum dynamically adapts by grade level — a fourth grader builds interactive visual templates like a Pizza Party Cost Calculator, while an eighth or ninth grader builds advanced budgeting spreadsheets and a Credit Debt Trap Simulator.
The first class is free. If you continue and your kid doesn't love it by the second paid class, we refund both. We mean this and we've honored it every time. We'd rather lose a customer than keep one who doesn't want to be here.
Your first lesson is free
Book a 30-minute live demo with one of our teachers. You sit in. Your kid learns one concrete thing. You decide what's next.