🚀 Level 3- Financial Flight Society (Suggested Ages 12–14)
Advanced Financial Literacy for Tweens and Young Teens
 
The Financial Flight Society is the final level of Aldo’s Allowance Academy, built for kids ages 12 to 14 who are ready to take their financial knowledge to the next level. This printable, hands-on program dives into real-world money management—credit scores, insurance plans, taxes, loans, and more—while empowering kids to make informed decisions and prepare for financial independence.
 
By the end of this level, your child will:
Create and manage a personal budget
Understand gross vs. net pay and calculate tax deductions
Track mock credit scores based on financial behavior
Compare insurance plans with premiums and deductibles
Apply for parent-given loans and calculate interest
Plan long-term savings goals and evaluate wants vs. needs
Learn the basics of emergency funds, investments, and digital vs. cash money
 
🦉 Also Included: Parent Guide
The Financial Flight Society Parent Guide offers clear, step-by-step support as you guide your child through complex (but essential) money concepts. With tips for discussions, tracking tools, and real-life examples, this guide helps you turn everyday moments into meaningful financial lessons.
This level is perfect for families who want to give their kids a head start on the skills they’ll actually need in adulthood—before they ever fill out a real W-4 or swipe a debit card.
 
👉 Download once. Use it year after year.
👉 Ideal for homeschoolers, future job-seekers, and money-curious teens.
👉 Best used after Levels 1 and 2—but strong enough to stand alone.