Abstract: A money management method that teaches financial literacy is described. An account owner—including but not limited to a parent, grandparent, or legal guardian—makes money available to be earned through the system. An account beneficiary—including but not limited to a minor under the age of 18—earns money by completing a series of educational lessons and games (known in the system as “challenges”). Once earned, money is allocated by the beneficiary to specific savings, spending, and charity goals (known as “funds”). The amount of money earned for a given challenge is dependent upon the goal (“fund”) to which it is allocated. Account owners can make additional moneys available (known as a “match”) for specific savings and charity goals. Funds integrate on the back-end with traditional financial products—including but not limited to checking, savings, 529 and/or Prepaid accounts. The system is managed on web, mobile and tablet platforms.