A 501(c)(3) initiative · Dallas, TX

You weren't just taught about money.
You own a piece of it.

Finish the course, pass The Simple Test, and we open a real investment account in your name — with $500 inside to start. It's yours. It grows. And one day, it's the head start nobody handed your parents.

See how it works Watch $500 grow

No cost to you. Real money. Real ownership. Held safely until you're 25.

Your starting balance
$500
Invested in a low-cost index fund the day you earn it.
$5/wk
Optional auto-deposit from your first paycheck
~$4,300
Illustrative value by age 25*

*Illustration only, assuming an 8% average annual return plus $5/week. Investing involves risk and returns are not guaranteed.

Built on David Bach's Automatic Millionaire
A real, restricted account in your name
Pilot launching at South Oak Cliff High School
The big idea

Most programs teach you about the door. We hand you the key.

There's a difference between learning what the stock market is and actually owning a slice of it. We close that gap — on day one.

The old way

A worksheet. A quiz. A talk about compound interest you forget by summer. You leave high school knowing the words — but owning nothing.

The Ownership way

You learn it, you prove it, and then you live it — with a funded account that's genuinely yours, growing quietly in the background while you go live your life.

The journey

Four steps from student to owner.

It runs over one semester — six short after-school sessions, one test, and a head start that follows you for years.

1

Learn

Six plain-English modules on mindset, compounding, automation, and index funds. No jargon, no lectures — just how money actually works.

2

Certify

Pass The Simple Test — a real certification, not a checkbox. If you showed up and paid attention, you'll pass. It means you earned this.

3

Own

We deposit $500 into a restricted account in your name and invest it in a low-cost index fund. From this moment, you're an investor.

4

Grow

Add $5 a week from your first job if you want. Every 90 days we send your Ownership Report so you never lose track of what's yours.

What you'll actually learn

The six-module curriculum — "The Simple Test."

01
The Ownership Mindset
Why wealth starts as a way of thinking.
02
The Magic of Compounding
How small money becomes big money over time.
03
The Power of Automation
Pay yourself first — set it and forget it.
04
Low-Cost Index Funds
Why boring, simple investing usually wins.
05
The Psychology of Wealth
Staying calm when the market gets loud.
06
Your Ownership Account
How your account works + exam prep.
The potential upside

Small money. A lot of time. See what happens.

Slide the weekly deposit below and watch how your $500 head start could grow. Time is the thing your parents never got back — you've got decades of it.

$—
Illustrative value at age 25
$—
Illustrative value at age 40
Your weekly auto-deposit$5 / week

Illustration only. Assumes a starting age of 17, a hypothetical 8% average annual return compounded monthly, and contributions made consistently. Actual investing involves risk; markets rise and fall and returns are never guaranteed. This is education, not financial advice.

What's really yours

A real account — built to protect your future self.

This isn't a points system or a gift card. It's a genuine, legally-held investment account designed to still be there when you're ready for it.

Held safely until 25

Your account lives in a trust set up just for this — so it can't be drained on impulse, and it's there for you as an adult. We chose this structure on purpose, for you.

Invested, not parked

Your money goes into a low-cost index fund — the same simple approach used by millions of long-term investors — so it has room to actually grow.

The Quarterly Ownership Report

Every 90 days you get a friendly update — balance, growth, and a glimpse of your future. More like a game stat than a bank statement, so you never forget it's yours.

In their words

The first owners.

Students and graduates on what it feels like to watch something with your name on it actually grow.

Jasmine, student
"

I always thought investing was a rich-people thing. The day I logged in and saw my own balance, that idea just disappeared. This is mine.

Jasmine T.Senior · Pioneer Cohort
Marcus, graduate
"

The $5-a-week thing sounded like nothing. Then I saw it stacking up next to the $500. Now my friends ask me how to start their own.

Marcus D.Graduate · Ownership Ambassador
DeShawn, student
"

Passing The Simple Test felt bigger than a grade. I earned that account. Nobody can tell me I don't belong in this world now.

DeShawn W.Junior · Pioneer Cohort
Andrés, student
"

My whole crew did the course together. We still text each other when the market dips — like, "stay calm, we're in this for years." It changed how we talk about money.

Andrés R.Senior · Pioneer Cohort
Camila, alumna
"

I'm in college now and the report still shows up every quarter. It's a little reminder that someone believed in my future before I even did.

Camila V.Class of '24 · In college
Jordan, ambassador
"

When I turned 25 I didn't cash out. I kept it invested and opened my own account next to it. That's the whole point — it never stops.

Jordan B.Alumnus · Kept investing

Sample stories shown to illustrate the program experience. Real student stories will only ever appear with their explicit, recorded consent.

For the grown-ups

The reassurance behind the head start.

For parents & guardians

  • ✓There is no cost to your family. The $500 seed is fully funded by donors and sponsors.
  • ✓The account is held in a trust and restricted until age 25 — protecting it from impulse spending in the early years.
  • ✓Funds are invested in low-cost index funds, not anything speculative or risky.
  • ✓Your child's data is protected under FERPA and COPPA, and we share progress with you along the way.
Talk to our team

For educators & schools

  • ✓We bring the full curriculum, instructors, and materials — you provide the space and the students.
  • ✓Six 60-minute after-school sessions across one semester, designed to fit around your calendar.
  • ✓A certification your students can be genuinely proud of — paired with real, measurable outcomes.
  • ✓We handle the accounts, the legal setup, and the long-term follow-through. No new burden on staff.
Bring it to your school
Good questions

The things everyone asks.

Is the $500 really mine?+

Yes. Once you pass The Simple Test, $500 is deposited into an account held in trust for you and invested on your behalf. You're the beneficiary — it's growing for you, and control transfers to you at age 25.

Why can't I access it until I'm 25?+

The whole power of this program is time. Locking the account for a few extra years lets compounding do the heavy lifting, and it protects the head start during the years when life is most unpredictable. Starting at 24, we walk you through exactly what your options are when access opens.

What does it cost my family?+

Nothing. The seed money and the program are funded by donors, foundations, and corporate sponsors. The only thing you invest is your attention during the course.

Do I have to add my own money?+

No — the $500 is yours either way. But if you want, you can automate as little as $5 a week from a part-time job. The math section above shows why even that small habit matters so much.

What is the money invested in?+

Low-cost index funds — a simple, diversified, long-term approach. It's the same boring-but-effective strategy taught in the curriculum. No day-trading, no gambling.

What if I fail the test?+

You can retake it once after a short review session with an advisor. The test is designed so that if you attended and engaged, you'll pass.

Join the movement

The first 50 owners are ready.
Are you?

Whether you're a student, a parent, or a school leader — this is where the cycle of "the economy isn't for us" finally breaks. Let's build the Ownership Generation together.

Get in touch Sponsor a student ($500)