WATCH & LEARN · MIRA Y APRENDE
Start with the family guide, or choose a money question below. Each lesson shows its language. Spanish gas-price and bank-fees lessons and the Spanish family guide are available on our Spanish page.
Watch these lessons free. The separate $7.99 workbook teaches paychecks, spending plans, savings and account comparisons with exercises and explained answers. Subscription cancellation, gas-price factors, business profit, credit-card repayment and deferred interest are taught here on the website, not as chapters in that workbook.
START HERE · TEENS 14–18 + PARENTS
Use your 25-page workbook in three short sessions. Allow around 15–20 minutes per conversation and take longer when needed. A calculator is welcome. Your teen does not need a job yet: start with the fictional examples.
Before you start, ask “What do you think take-home pay means?” Revisit that answer after the first session. This is practice, not a test of your parenting or a formal assessment.
Learn: pages 3–4 · Try: pages 10–11 · Check: page 14
Ask your teen to explain gross pay, deductions and net pay. Then check whether the deposits account for the whole paycheck.
Ready to move on: they can explain why $272.46 in checking plus $50 in savings accounts for $322.46 in net pay.
If this is unclear, revisit the example together. Let your teen explain the correction in their own words before moving on.
Try: pages 12–13 · Check: page 15 · Build the habit: pages 6 and 9
Let your teen compare hours, rate and dates, then write a respectful question to payroll. Ask “How did you get that?” before helping.
Ready to move on: they can identify the two missing hours and $32 gross difference, and explain why the exact extra deposit needs payroll review.
If this is unclear, revisit the example together. Let your teen explain the correction in their own words before moving on.
Learn: pages 17–20 · Try: pages 21–22 · Check: page 23 · Plan: page 24
Compare checking, regular savings, HYSA and a CD. Name when the money is needed, how fast it can be accessed and which fees or conditions matter.
Ready to move on: they can justify a choice using timing, access and fees—not only the highest APY. Record anything still to verify with the institution.
If this is unclear, revisit the example together. Let your teen explain the correction in their own words before moving on.
Finish with one next step: name what you will check on the next pay stub or account disclosure, and agree on a date to revisit it. Keep real documents private; never share account numbers or pay stubs online.
Page numbers match both current 25-page editions. General education using fictional U.S. examples in U.S. dollars. No learning or savings result is guaranteed.
Preview the workbook before buyingFREE WEBSITE LESSON · 20 SECONDS · ENGLISH
There is no guaranteed date. Crude-oil costs, refinery conditions, demand and taxes affect pump prices. Your local price may differ from the national average.
Try this hypothetical U.S.-dollar example: 10 gallons at $4 cost $40. At $3.50, the same 10 gallons cost $35. The 50-cent drop saves $5—not $50.
Plan the transportation money you need before deciding what is available for extras. Use the actual local price and the gallons you expect to buy.
For a 12-gallon purchase, $0.25 × 12 = $3 saved. Explain why the savings depend on both the price difference and the quantity—not just the number on the sign.
Hypothetical prices, not a forecast. U.S. gallons. Source checked October 4, 2026.
Source: EIA gasoline-price explanation
This gas-price lesson is free here on the website. For spending-plan practice, page 7 of Where Did It Go? helps you allocate take-home pay, including transportation. The 25-page workbook covers paychecks, spending, savings and account comparisons; it does not include a gas-price lesson or forecast.
Preview the English workbook — $7.9922 SECONDS · ENGLISH NARRATION
A savings account can earn interest and still lose money to fees. Teach your teen to compare both.
Fictional example, one statement period: $100 starting balance + $1 interest − $5 account fee = $96 ending balance. No other transactions are included.
Ask for the fee schedule and exact waiver requirements. A student account or a different account may have lower fees; compare the actual terms.
Look inside the banking practice pagesCompare regular savings and HYSA
CFPB: maintenance fees and waiver conditions
Source checked October 4, 2026. General education; account terms vary.
Your savings earned interest. So why did the balance shrink? In this made-up example: one hundred dollars, plus one dollar interest, minus a five-dollar fee. Ninety-six left. Compare fees, waiver rules, and interest. Practice with our seven-ninety-nine workbook at Coffee with Maddie dot com.
ACTUAL WORKBOOK PAGES · ENGLISH EDITION
These are pages 18 and 19 from the 25-page English edition of Where Did It Go? Select a page to read it at full size.
Try the $500 example on page 19 together. Then use page 21 in the workbook to collect two real account disclosures and compare fees, rates, access and eligibility. The workbook also includes practice scenarios, explained answers and a family plan.
U.S. banking examples in U.S. dollars. Account terms and protections differ by country.
Ver las páginas y el cuaderno en español
25 total pages, including cover, instructions and references. Print and write. One language per purchase. Digital download after payment; no physical item.
NEW LESSON · 22 SECONDS
An HYSA is a high-yield savings account. It often pays more interest than regular savings, but the name alone does not guarantee the best deal.
APY is annual and includes compounding. In this teaching example, $100 ends at $101 with 1% APY, or $104 with 4% APY, after one year.
Hypothetical rates, not offers. Assumes a constant rate, interest retained, no fees or other transactions, and one full year; before tax. Actual rates can change. English narration and captions.
Practice comparing accounts — $7.99Check fees and waiver conditions, minimum balances, access and transfer timing, and age requirements. Minors may need an adult, depending on the provider.
For eligible deposits at an FDIC-insured U.S. bank, coverage is up to $250,000 per depositor, per insured bank, per ownership category. Same-bank deposits in the same category are combined; it is not a limit per account. Credit unions use a different insurance system.
CFPB: APY · HYSA mechanics · FDIC coverage
Sources checked October 3, 2026. General education; compare current provider terms.
Download English comparison · Descargar comparación en español
An HYSA is a high-yield savings account. It often pays more interest than regular savings. With $100 left for a year, 1% APY earns $1; 4% earns $4. These are sample rates, not offers. Rates can change. Compare accounts with our workbook at coffeewithmaddie.com.
NEW LESSON · 26 SECONDS
Checking is only one part of the picture. In this practice paycheck, $272.46 went to checking and $50 went straight to savings. Together, that is $322.46 in take-home pay.
Read the payment distribution before assuming money is missing. A split deposit changes where your pay goes; it does not reduce your net pay.
Fictional U.S. paycheck example in U.S. dollars · Workbook page 10 · English narration with captions.
Practice with the workbook — $7.99Your teen sees $272.46 in checking. Is $50 missing? In this practice paycheck, $50 went straight to savings. Together, that is $322.46 in take-home pay. Check the payment distribution before assuming something went wrong. Practice this together with Where Did It Go? Find the printable workbook at coffeewithmaddie.com.
FREE WEBSITE LESSON · 21 SECONDS · ENGLISH
Deleting an app does not cancel its subscription. Find who bills you, cancel with that provider, and save your confirmation.
Apple: Settings → your name → Subscriptions. Google Play: open your subscriptions and select the subscription to cancel. Complete all confirmation steps. If a company bills you directly, cancel with that company. Check the account you used and the end date.
Cancellation does not automatically refund earlier charges. Payment plans may have remaining payments.
Ready to practice everyday money skills together? Preview the first-paycheck workbook before buying. The workbook covers pay stubs, spending plans and savings; the cancellation instructions are here in this lesson.
Try a workbook exerciseFREE WEBSITE LESSON · 24 SECONDS · ENGLISH
Revenue is money coming in. Subtract expenses to understand what remains. This car-wash example leaves $65 before taxes and any other expenses.
This is a free website lesson. The separate workbook teaches employee paychecks and personal spending plans; it does not include a business-profit or self-employment-tax module.
Try a free workbook exerciseIllustrative example. General financial education.
FREE WEBSITE STORY · Episode 001 • Episodio 001
The first playable story follows Ana from excitement to a $600 balance—and shows why paying only the minimum is not a real payoff plan.
Ana pensó que pagar el mínimo de $35 significaba que lo estaba haciendo bien.
AI narration in English and Spanish • Narración con IA en inglés y español
The minimum payment keeps the account current, but it is not designed to eliminate debt quickly. Read the APR, pay more than the minimum when possible, and calculate your payoff date.
El pago mínimo mantiene la cuenta al día, pero no está diseñado para eliminar la deuda rápidamente. Lee el APR, paga más del mínimo cuando sea posible y calcula tu fecha de pago total.
FREE WEBSITE STORY · Episode 002 • Episodio 002
Sofia buys a $1,200 sofa under a “no interest if paid in full” promotion—and learns why the deadline and those five words matter.
Choose your language • Elige tu idioma
Narrated video with on-screen captions • Video narrado con subtítulos en pantalla
“No interest if paid in full” can mean deferred interest. Read the promotion terms, calculate your payoff target, and finish before the deadline.
“Sin intereses si se paga por completo” puede significar interés diferido. Lee los términos, calcula tu meta de pago y termina antes de la fecha límite.
Episode 003 • Episodio 003
Marisol pauses before paying a $430 statement, compares it with her EOB, finds a missing prior payment, and gets the account corrected to $20.
Choose your language • Elige tu idioma
Narrated video with synchronized captions • Video narrado con subtítulos sincronizados
Compare the provider bill with your EOB. Check the date and service, claim status, allowed amount, insurance payment, patient responsibility, and payments already made.
Compara la factura del proveedor con tu EOB. Revisa la fecha y el servicio, el estado del reclamo, el monto permitido, el pago del seguro, la responsabilidad del paciente y los pagos realizados.
Illustrative example; benefits and billing situations vary. Sources: CMS EOB guide and CMS medical-bill guide.Put the lesson into practice: explore the Medical Bill Clarity Kit
Episode 004 • Episodio 004
A teen earns $300, sees $265.05 deposited, and asks the question every first paycheck deserves. Read the stub together, then make a plan for the money that arrived.
25 printable pages with a sample pay stub, missing-hours challenge, savings worksheets, checking/savings/HYSA/CD comparison, and explained answers. Includes an account-comparison worksheet and parent–teen money plan. Print-and-write PDF. Choose one language below; each purchase includes that edition.
Buy English PDF — $7.9927-second video · English narration
01 / 05
I worked 20 hours at $15 an hour. That should be $300.
Ask to see the pay stub, then find gross pay, each deduction, and net pay together. Overtime, tips, and multiple pay rates can change the calculation.
Illustrative U.S. paycheck example. Actual deductions depend on the worker and employer.
