Raising money smart kids

starts before money mistakes are made.

Financially Growing LLC equips families, schools, and organizations with practical, age-appropriate financial literacy that builds confidence, reduces future stress, and prepares students for real life, before money mistakes become costly.

Our programs are preventative, encouraging, and designed to grow with students from childhood through young adulthood, with optional faith-based values that support stewardship without excluding anyone.

NFEC‑Aligned Curriculum

Certified Financial Education Instructor

National Advisory Committee Member

Serving Families, Schools & Faith Communities

Who We Serve

Practical money skills for every environment kids learn in

For Families & Parents

You want your kids prepared for real-world money decisions, without overwhelm or shame. Our self-paced curriculum helps families teach budgeting, saving, earning, and wise decision-making at home, in a way that fits busy schedules and different learning styles.

Teacher supporting children during a learning activity

For Schools & Organizations

You need financial education that is standards-aligned, measurable, and relevant to the students you serve. We design customized financial literacy programs aligned with the NFEC framework and your organization’s specific goals.

Parent guiding child with financial literacy activities

For Faith Friendly Communities

You value wisdom, stewardship, and generosity. Our curriculum supports faith-based conversations while remaining inclusive and accessible to all students and families.

Teen completing a self-paced financial literacy lesson on a laptop

Meet the founder

Built from lived experience, not theory.

Money lessons should be as common as bedtime stories, that belief is what sparked Financially Growing.

Ashlee Richards didn't grow up with financial guidance. As a young mom who experienced foster care, homelessness, and debt — and who later lost her sight permanently, she knows what it feels like to navigate adulthood without a financial map.

That experience gave her clarity and a mission: equip young people with money skills before life gets expensive, overwhelming, or unforgiving. Today she is a certified financial educator, a national advisory committee member, and the founder of Financially Growing LLC — building the curriculum she never had.

— Ashlee Richards, Founder & CEO, Financially Growing LLC

Financially Growing Founder Ashlee Richards

Our Approach

Financially Growing was built on four core pillars:

We combine real-world practicality with encouragement and values, so students learn by doing, not by being lectured.

Values

We teach integrity, responsibility, and stewardship in everyday financial decisions.

Inclusion

Our programs are accessible, adaptable, and designed for diverse families and communities.

Prevention

We teach financial skills early to reduce future debt, stress, and confusion.

Encouragement

No lectures. No guilt. Just clear tools students can actually use.

Our Two Core Services

Choose the path that fits how your students learn

From family living rooms to full classrooms, Financially Growing scales with your goals.

Self-Paced Financial Literacy Curriculum

A family-friendly, student-centered program covering budgeting, saving, earning, planning, and future readiness. Designed for independent learning with optional parent involvement.

  • Short, engaging lessons students can complete on their own

  • Built-in reflection prompts for family discussion

  • Grows with learners from early teens through young adulthood

Parent guiding child with financial literacy activities

Organization Licensing & Custom Programs

Customized financial literacy programs for schools, nonprofits, churches, and community organizations, aligned to NFEC standards and built around measurable outcomes.

  • Program design aligned with NFEC framework

  • Curriculum tailored to your students and mission

  • Training and support for your implementation team

Teacher supporting a child during a learning activity

For faith-based families

Money and values belong in the same conversation.

Financial wisdom and faith go hand in hand. Every MoneyRoots Teens module includes optional scripture reflection prompts, devotional journaling, and Biblical financial worldview integration. So families who want to connect money decisions to stewardship, generosity, and purpose can do so naturally, alongside the core curriculum.

Faith integration is always optional and clearly marked. The core money skills are fully accessible to every family, regardless of background or belief.

Optional scripture reflection prompts in every module

Devotional journaling connecting money choices to values

Biblical financial worldview integration, never forced, always available

Free resources for money smart kids & teens

Turn everyday moments into powerful money lessons for your kids.

Get instant access to kid tested, parent approved financial literacy tools you can start using tonight. No teaching experience required. Designed for busy parents of kids 6–17 who want their children to feel confident with money before they ever get a credit card.

  • Age-tailored activities for kids, pre-teens, and teens

  • Simple scripts for talking about money without stress or shame

  • Printable trackers to turn allowance into real learning

  • Short lessons you can do together in 10 minutes or less

Start the money conversation with age appropriate tools

Download free, ready to use activities you can introduce at home, in small groups, or in classrooms.

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Family Finance Lab

Elementary Free Resource (Ages 6–10)

A gentle introduction to money basics that helps younger children understand saving, spending, and giving through simple language and activities.

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Finance Conversations

Middle & High School Free Resource (Ages 11–18)

A practical starter kit focused on budgeting, goal-setting, and real-life financial decisions teens face before adulthood.

Success Stories That Inspire

Our personalized approach has made a real difference in the lives of students. Here’s what they have to say about their journey with us.

The flexible scheduling and engaging lessons have made learning so enjoyable for my daughter. Her enthusiasm for learning has returned!

— Jake P., Parent

Thanks to their guidance, I finally understand finance concepts I struggled with for years. I’m more confident than

ever!

— Emma R., Student

“Financially Growing helped our teens talk about money without shame. Parents keep telling us their kids are the ones reminding them about budgets

— Linda S., Program Director,

Let’s build financial confidence before it becomes urgent.

Book a discovery call to explore curriculum options for your family, school, or organization, and leave with clear next steps.

No pressure, no obligation, just a conversation about what your students need.

Stay in the loop

Monthly tips, free activities, and conversation starters for money-smart kids.

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Financially Growing guides individuals to gain healthy money behaviors and maintain positive money beliefs with truthful, common sense, financial education.

5441 S. Macadam Ave Ste N, Portland OR 97239 USA

Copyright © 2026. Financially Growing - All Rights Reserved.