1-on-1 tutoring · Grades K–12
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.
Phase 1 course
Phase 1 launches with Money & Financial Literacy. Entrepreneurship and Money in the Real World ship later this year.
A 6-week 1:1 program covering how money actually works: earning, saving, spending, prices, banks, compounding, and avoiding scams. Every week ends with one concrete thing your kid can teach you.
See the 6-week curriculumThe curriculum
Six weeks. Six outcomes. Every Friday email tells you what they did and what to ask them at dinner.
We open with first principles: earning, saving, spending. Your kid maps where their pocket money goes for one week, then tells you what surprised them. No screens, no apps, no jargon.
Outcome: A one-page spending map your kid drew themselves.
The three-jar method, but with a twist: your kid sets the percentages and defends them out loud. We practice trade-offs with real scenarios, not hypothetical ones.
Outcome: A personal budget your kid argues for in front of you.
Why does a slice of pizza cost three dollars and a sneaker cost a hundred? Your kid learns the actual mechanics: cost, margin, demand. We visit two real businesses in the lesson.
Outcome: Your kid prices three things in your kitchen and explains why.
We draw the compounding curve by hand. We don't oversimplify and we don't lie. By the end your kid can explain to you why ten dollars a week at age ten beats a hundred dollars a month at age thirty.
Outcome: A hand-drawn compounding chart your kid posts on their wall.
The week parents email us about most. We teach the shape of every scam ever invented and how to recognize one. Your kid leaves with phrases they can actually use when something feels off.
Outcome: Three scripts your kid can say out loud when pressured.
Bring an idea your kid has had since week one. We turn it into a one-page plan with real numbers: revenue, cost, margin, first ten customers. Some kids actually launch it the week after.
Outcome: A one-page plan your kid pitches to you on a Friday.
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
Best $/class value
$600
$25 / lesson
24 classes · 3 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.
The 6-week financial-literacy program is designed for grades 3–8. The curriculum adapts by grade band — a fourth grader does the "what is money" map with stickers, an eighth grader does it with a real budgeting spreadsheet.
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.