🧪 Test version. No real money is charged. To try it, pay with card 4242 4242 4242 4242, any future expiry date (like 12/30) and any 3-digit CVC.
FOR 15–21 YEAR OLDS

Your life.
Your rules.
Here's how.

Money, cars, your first job, your own place. The stuff nobody teaches you, in 10-minute hits, with calculators that use your own numbers.

40short chapters
14live calculators
8states covered
$9.95 AUD, one-off · instant access

Secure payment with Stripe. You get access straight away on your phone or computer. Because access is instant, there are no refunds for change of mind. This doesn't affect your rights under the Australian Consumer Law.

Already bought it? Log in here

Your first carWhat it really costs a week, and how not to get ripped off.
Your first payTax, super, payslips and getting what you're owed.
Your own placeBond, rent, housemates and getting your bond back.
Make it growSaving, investing basics, and the crypto and betting traps.

What's inside

  1. Starting early: what working at school and saving 70% could look like by 21
  2. Your first payslip: income, tax and super
  3. Budgeting: tell your money where to go
  4. Banking basics and the magic of compound interest
  5. Credit cards: useful tool, dangerous trap
  6. Buy now pay later, personal loans and getting out of debt
  7. Cars: the loan, and what it really costs to run
  8. Renting: your first place
  9. Buying your first home
  10. Food and everyday costs
  11. Insurance: paying a little to avoid losing a lot
  12. Uni reality check: is it really your best choice?
  13. Study, HECS and apprenticeships
  14. Side hustles and starting a business: sole trader, company or trust
  15. Scams: protect your money and identity
  16. Licences and work cards: the tickets that get you hired
  17. Getting a job and knowing your rights at work
  18. Your health: Medicare, GPs and looking after your mind
  19. Government help: what you might be entitled to
  20. Phones, internet, subscriptions and bills
  21. Investing basics — and the traps of crypto and gambling
  22. Adult admin: ID, licence, fines, voting and contracts
  23. Moving out: checklist and life skills
  24. Your first tax return
  25. Your consumer rights
  26. Getting the pay you're owed
  27. Lending money, splitting bills and joint accounts
  28. Job hunting: résumés, interviews and LinkedIn
  29. Your digital footprint
  30. Travelling overseas
  31. After a car accident
  32. Partying safely
  33. Your rights with police
  34. Emergencies at home
  35. Healthy relationships
  36. Cheap, quick meals you can actually make
  37. Driving safely and getting everyone home
  38. Respect: the skill that opens every door
  39. Why it's great to aim high — and be comfortable and happy
  40. Life is good: go and enjoy it

Get it. Share it. Get paid.

Every buyer gets their own referral link and code. For every friend who buys with it, you earn $2.49. There's no limit.

  1. Buy the app and open Share & earn.
  2. Send your link or code to friends.
  3. Set up payouts with Stripe and get paid to your bank account each month once you've earned $15.00 or more.

Under 18? A parent or guardian needs to set up payouts with you. See the referral rules.

Parents: it's the stuff you wish they taught at school. General information only, not financial advice.

Questions

Is this financial advice?

No. It's general information and education to help you understand how things work in Australia. It doesn't consider your situation or recommend any product, and calculator results are illustrative estimates only. The publisher doesn't hold a financial services or credit licence. Check current facts and consider talking to a qualified professional before big decisions. Read the full disclaimer.

How do I get in after I pay?

You're taken straight into the app, where you create a password. After that, log in on any phone or computer with your email and password.

Can I get a refund?

The app is a digital product you can use as soon as you pay, so we don't give refunds for change of mind. If something isn't working, contact brettltcz@gmail.com and we'll fix it. Your rights under the Australian Consumer Law, such as a remedy if the app has a major problem, are not affected.

Does it work on my phone?

Yes. It works in any modern browser on a phone, tablet or computer. There's nothing to install.

How do referral payments work?

You earn $2.49 (25%) for every person who buys with your link or code. Earnings are held for 14 days in case of refunds, then paid monthly through Stripe once you reach $15.00.