{"title":"All Books 📚","description":"\u003cp\u003eThe complete \u003cstrong\u003eMoney Skill Tree\u003c\/strong\u003e library — all editions, all levels. Browse every title in the series, from beginner to advanced, across Canadian, US, and World editions.\u003c\/p\u003e","products":[{"product_id":"the-money-starter-pack-canadian-edition-book-1","title":"The Money Starter Pack – Canadian Edition (Book 1)","description":"\u003cp\u003e\u003cstrong\u003eBuild a money mindset that lasts a lifetime — for ages 12+.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp class=\"MsoNormal\" style=\"margin-bottom: 6.0pt;\"\u003eMost students leave school lacking basic money skills, like understanding how a paycheque works, what compound interest does, or why inflation quietly shrinks every dollar in their savings account. \u003cb\u003eThe Money Starter Pack\u003c\/b\u003e fixes these gaps for Canadian readers aged 12 and up in an interactive, game-inspired style.\u003c\/p\u003e\n\u003cp\u003eThis is Book 1 of \u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the beginner volume. It teaches the fundamentals through the metaphor of a Life Battery that charges with effort and drains with every choice.\u003c\/p\u003e\n\u003ch3\u003eWhat's inside — 10 chapters\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Power in Your Pocket\u003c\/strong\u003e — understanding money as stored energy\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Software Update\u003c\/strong\u003e — from barter to digital, and how money evolved\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Filter\u003c\/strong\u003e — needs versus wants, and how to tell the difference\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Generator\u003c\/strong\u003e — income, side hustles, and earning your first dollar\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Charging Station\u003c\/strong\u003e — banks, accounts, and where to store your money\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Two Rooms\u003c\/strong\u003e — chequing versus savings, and the two-room money system\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Multiplier Effect\u003c\/strong\u003e — compound interest and the power of starting early\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Invisible Shrink\u003c\/strong\u003e — inflation, and why money loses value over time\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Flight Path\u003c\/strong\u003e — budgeting with the 50\/30\/20 rule\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Energy Thieves\u003c\/strong\u003e — debt, traps, and protecting what you've built\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eEvery chapter follows the same six-part structure\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Level Up\u003c\/strong\u003e — a story that opens the concept\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the core lesson, with real Canadian numbers\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Skill Quest\u003c\/strong\u003e — a hands-on, fill-in-the-pages exercise\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBalancing Your Skills\u003c\/strong\u003e — the trade-off, made visible\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuild Chat\u003c\/strong\u003e — questions to take to a parent, mentor, or older sibling\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eElite Quest\u003c\/strong\u003e — a real-world mission off the page\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eReaders aged 12 and up, working through it alone or with a parent\u003c\/li\u003e\n\u003cli\u003eParents looking for a middle-school personal finance resource\u003c\/li\u003e\n\u003cli\u003eAn allowance, chore, or birthday gift for a teenager\u003c\/li\u003e\n\u003cli\u003eHomeschool curriculum, classroom units, or after-school enrichment\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eCanadian Edition\u003c\/h3\u003e\n\u003cp\u003eDollar figures, tax brackets, and account names are Canadian, based on 2026 projections — not American hand-me-downs.\u003c\/p\u003e\n\u003ch3\u003eWhere it sits in the series\u003c\/h3\u003e\n\u003cp\u003eBook 1 lays the foundation. \u003cstrong\u003eBook 2 (The Grind)\u003c\/strong\u003e covers paycheques, taxes, credit, and investing. \u003cstrong\u003eBook 3 (Endgame)\u003c\/strong\u003e covers real estate, business, and financial independence. All three are collected in \u003cstrong\u003eFully Charged\u003c\/strong\u003e.\u003c\/p\u003e\n\u003ch3\u003eFormat\u003c\/h3\u003e\n\u003cp\u003ePrinted workbook · 104 pages · 10 chapters · Beginner level\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eUnlock your first financial skills.\u003c\/strong\u003e\u003c\/p\u003e","brand":"The Money Skill Tree","offers":[{"title":"Default Title","offer_id":44466943721538,"sku":null,"price":17.99,"currency_code":"CAD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0693\/1844\/3074\/files\/CAN_Book1_Cover_77f24a9f-bd5d-44a3-82a5-34d63be1fac9.png?v=1784830377"},{"product_id":"the-grind-canadian-edition-book-2","title":"The Grind – Canadian Edition (Book 2)","description":"\u003cp\u003e\u003cstrong\u003eYour first paycheque just landed. Now what?\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cp\u003eMost schools graduate students who can't read a pay stub, file a tax return, or tell a credit card from a debt trap. \u003cstrong\u003eThe Grind\u003c\/strong\u003e is the intermediate volume of \u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — a Canadian personal finance workbook covering the working-world mechanics nobody actually teaches.\u003c\/p\u003e\n\n\u003cp\u003eEvery chapter has a fill-in-the-pages exercise and a real-world mission. By the last page you'll be able to read a pay stub line by line, file a return without panic, choose between a TFSA and an RRSP for the right reason, and explain CPP, EI, and credit scores to anyone who asks.\u003c\/p\u003e\n\n\u003ch3\u003eWhat's inside — 13 chapters\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe First Paycheque\u003c\/strong\u003e — decoding gross pay, net pay, and your pay stub\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Big Three Deductions\u003c\/strong\u003e — CPP, EI, and income tax, and how they work\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Tax-Free Secret\u003c\/strong\u003e — TFSA, FHSA, RRSP, and RESP explained\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFiling Your First Return\u003c\/strong\u003e — the T4, refunds, credits, and the CRA\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCredit Scores and The Plastic Card\u003c\/strong\u003e — building your financial reputation\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Emergency Buffer\u003c\/strong\u003e — your financial safety net, and why it comes first\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Automation Engine\u003c\/strong\u003e — setting your money up to save itself\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Stock Market Map\u003c\/strong\u003e — how the stock market works\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Basket Strategy\u003c\/strong\u003e — ETFs and index investing\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Risk Scale\u003c\/strong\u003e — understanding and managing investment risk\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Social Charge\u003c\/strong\u003e — peer pressure, lifestyle, and financial identity\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFinancial Self-Defence\u003c\/strong\u003e — scams, fraud, and protecting your accounts\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Long-Game Mindset\u003c\/strong\u003e — patience, consistency, and thinking in decades\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eEvery chapter follows the same six-part structure\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Level Up\u003c\/strong\u003e — a story that frames the concept\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the core lesson, with real Canadian numbers\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Skill Quest\u003c\/strong\u003e — a hands-on, fill-in-the-pages exercise\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBalancing Your Skills\u003c\/strong\u003e — the trade-off, made visible\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuild Chat\u003c\/strong\u003e — questions to take to a parent, mentor, or older sibling\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eElite Quest\u003c\/strong\u003e — a real-world mission off the page\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eTeens starting a first job, summer gig, or part-time work\u003c\/li\u003e\n\u003cli\u003eYoung adults catching up on the money basics nobody taught them\u003c\/li\u003e\n\u003cli\u003eA graduation present, adulting handbook, or eighteenth birthday gift\u003c\/li\u003e\n\u003cli\u003eHigh school finance classes, homeschool curriculum, or classroom resource\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eCanadian Edition\u003c\/h3\u003e\n\u003cp\u003eDeductions, contribution limits, registered accounts, and CRA rules are Canadian, based on 2026 projections — not American hand-me-downs.\u003c\/p\u003e\n\n\u003ch3\u003eWhere it sits in the series\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eBook 1 (The Money Starter Pack)\u003c\/strong\u003e covers the fundamentals. 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All three are collected in \u003cstrong\u003eFully Charged\u003c\/strong\u003e.\u003c\/p\u003e\n\n\u003ch3\u003eFormat\u003c\/h3\u003e\n\u003cp\u003ePrinted workbook · 98 pages · 9 chapters · Advanced level\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eUnlock financial independence.\u003c\/strong\u003e\u003c\/p\u003e","brand":"The Money Skill Tree","offers":[{"title":"Default Title","offer_id":44466971639874,"sku":null,"price":24.99,"currency_code":"CAD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0693\/1844\/3074\/files\/CAN_Book3_Cover_27dbfbdd-5457-4fe8-939c-be3edb1b0da9.png?v=1784831551"},{"product_id":"fully-charged-canadian-edition-complete-course","title":"Fully Charged – Canadian Edition (Complete Course)","description":"\u003cp\u003e\u003cstrong\u003eThe complete Money Skill Tree trilogy in one volume — from your first dollar to financial independence.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cp\u003eMost personal finance books pick one moment in life and write to it. \u003cstrong\u003eFully Charged\u003c\/strong\u003e takes a different approach: all three volumes — Beginner, Intermediate, and Advanced — in a single reference that grows with the reader from age 12 through adulthood.\u003c\/p\u003e\n\n\u003cp\u003eThe series runs on one mental model end to end: money is stored energy, your Life Battery charges when you earn and drains when you spend, and every financial decision is a quest. Every chapter has a fill-in-the-pages exercise and a real-world mission.\u003c\/p\u003e\n\n\u003ch3\u003eWhat's inside — 32 chapters across three levels\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eLevel 1 — The Money Starter Pack (Beginner, 10 chapters).\u003c\/strong\u003e For readers aged 12 and up. Earning, needs versus wants, saving, compound interest and inflation, the 50\/30\/20 rule, and debt traps.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLevel 2 — The Grind (Intermediate, 13 chapters).\u003c\/strong\u003e For teens with a first paycheque and young adults. Pay stubs, CPP and EI, TFSAs, FHSAs, RRSPs and RESPs, filing with the CRA, credit scores, index investing, and fraud defence.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLevel 3 — Endgame (Advanced, 9 chapters).\u003c\/strong\u003e For adults facing first-property, first-business, and financial independence decisions. Mortgages and CMHC, tax strategy, salary negotiation, incorporation, insurance, and the 4% rule.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eEvery chapter follows the same six-part structure\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Level Up\u003c\/strong\u003e — a story or analogy that opens the concept\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the core lesson, with real Canadian numbers\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Skill Quest\u003c\/strong\u003e — a hands-on, fill-in-the-pages exercise\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBalancing Your Skills\u003c\/strong\u003e — the trade-off, made visible\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuild Chat\u003c\/strong\u003e — questions to take to a parent, mentor, partner, or advisor\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eElite Quest\u003c\/strong\u003e — a real-world mission off the page\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eParents and educators who want one reference covering age 12 through adulthood\u003c\/li\u003e\n\u003cli\u003eHomeschool curriculum, high school finance classes, or classroom units\u003c\/li\u003e\n\u003cli\u003eA graduation present, eighteenth birthday gift, or university send-off\u003c\/li\u003e\n\u003cli\u003eAdults catching up on the financial literacy nobody taught them\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eCanadian Edition\u003c\/h3\u003e\n\u003cp\u003eEvery dollar figure, tax bracket, contribution limit, registered-account rule, mortgage formula, and FIRE number is Canadian, based on 2026 projections — not American hand-me-downs. Includes a unified glossary covering every term across all three books.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you save\u003c\/h3\u003e\n\u003cp\u003eBought separately the three books total $64.97. Fully Charged is $49.99 — a saving of $14.98.\u003c\/p\u003e\n\n\u003ch3\u003eFormat\u003c\/h3\u003e\n\u003cp\u003ePrinted workbook · 32 chapters across three levels\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCharge the battery. Build the skill tree.\u003c\/strong\u003e\u003c\/p\u003e","brand":"The Money Skill Tree","offers":[{"title":"Default Title","offer_id":44466972917826,"sku":null,"price":49.99,"currency_code":"CAD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0693\/1844\/3074\/files\/CAN_Complete_Course_Cover_e9530c3a-43c9-4cb6-b07c-b18b42ebfe2c.png?v=1784831599"},{"product_id":"the-money-starter-pack-us-edition-book-1","title":"The Money Starter Pack – US Edition (Book 1) — Coming Soon","description":"\u003cp\u003e\u003cem\u003e🇺🇸 Not yet available. The \u003ca href=\"\/collections\/canadian-edition\"\u003eCanadian Edition\u003c\/a\u003e is on sale now — \u003ca href=\"\/pages\/contact\"\u003eget in touch\u003c\/a\u003e to be told when the US Edition ships.\u003c\/em\u003e\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBuild a money mindset that lasts a lifetime — starting at age 12.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cp\u003eMost students leave school knowing the quadratic formula but not how a paycheck works, what compound interest does, or why inflation quietly shrinks every dollar in their savings. \u003cstrong\u003eThe Money Starter Pack\u003c\/strong\u003e fixes that. It's written for US readers aged 12 and up, in a game-inspired style built for people who would rather level up than sit through a lecture.\u003c\/p\u003e\n\n\u003cp\u003eThis is Book 1 of \u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the beginner volume. It teaches the fundamentals through the metaphor of a Life Battery that charges with effort and drains with every choice.\u003c\/p\u003e\n\n\u003ch3\u003eWhat's inside — 11 chapters\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Power in Your Pocket\u003c\/strong\u003e — understanding money as stored energy\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Software Update\u003c\/strong\u003e — from barter to digital, and how money evolved\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Filter\u003c\/strong\u003e — needs versus wants, and how to tell the difference\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Generator\u003c\/strong\u003e — income, side hustles, and earning your first dollar\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Charging Station\u003c\/strong\u003e — banks, accounts, and where to store your money\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Two Rooms\u003c\/strong\u003e — checking versus savings, and the two-room money system\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Multiplier Effect\u003c\/strong\u003e — compound interest and the power of starting early\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Invisible Shrink\u003c\/strong\u003e — inflation, and why money loses value over time\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Flight Path\u003c\/strong\u003e — budgeting with the 50\/30\/20 rule\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Energy Thieves\u003c\/strong\u003e — debt, traps, and protecting what you've built\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe US Money System\u003c\/strong\u003e — how the Fed, the IRS and the FDIC work, and your first paycheck\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eEvery chapter follows the same six-part structure\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Level Up\u003c\/strong\u003e — a story that opens the concept\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the core lesson, with real US numbers\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Skill Quest\u003c\/strong\u003e — a hands-on, fill-in-the-pages exercise\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBalancing Your Skills\u003c\/strong\u003e — the trade-off, made visible\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuild Chat\u003c\/strong\u003e — questions to take to a parent, mentor, or older sibling\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eElite Quest\u003c\/strong\u003e — a real-world mission off the page\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eReaders aged 12 and up, working through it alone or with a parent\u003c\/li\u003e\n\u003cli\u003eParents looking for a middle-school personal finance resource\u003c\/li\u003e\n\u003cli\u003eAn allowance, chore, or birthday gift for a teenager\u003c\/li\u003e\n\u003cli\u003eHomeschool curriculum, classroom units, or after-school enrichment\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eUS Edition\u003c\/h3\u003e\n\u003cp\u003eDollar figures, tax brackets, and account names are US, based on 2026 projections — not adapted from another country. Chapter 11 covers the Federal Reserve, the IRS and FDIC insurance directly.\u003c\/p\u003e\n\n\u003ch3\u003eWhere it sits in the series\u003c\/h3\u003e\n\u003cp\u003eBook 1 lays the foundation. \u003cstrong\u003eBook 2 (The Grind)\u003c\/strong\u003e covers paychecks, taxes, credit, and investing. \u003cstrong\u003eBook 3 (Endgame)\u003c\/strong\u003e covers real estate, business, and financial independence. All three are collected in \u003cstrong\u003eFully Charged\u003c\/strong\u003e.\u003c\/p\u003e\n\n\u003ch3\u003eFormat\u003c\/h3\u003e\n\u003cp\u003ePrinted workbook · 113 pages · 11 chapters · Beginner level\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eUnlock your first financial skills.\u003c\/strong\u003e\u003c\/p\u003e","brand":"The Money Skill Tree","offers":[{"title":"Default Title","offer_id":44466976948290,"sku":null,"price":17.99,"currency_code":"CAD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0693\/1844\/3074\/files\/US_Book1_Cover_c458c47b-5732-4fea-be8f-a1f24b2e5792.png?v=1784831703"},{"product_id":"the-grind-us-edition-book-2","title":"The Grind – US Edition (Book 2) — Coming Soon","description":"\u003cp\u003e\u003cem\u003e🇺🇸 Not yet available. The \u003ca href=\"\/collections\/canadian-edition\"\u003eCanadian Edition\u003c\/a\u003e is on sale now — \u003ca href=\"\/pages\/contact\"\u003eget in touch\u003c\/a\u003e to be told when the US Edition ships.\u003c\/em\u003e\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eYour first paycheck just landed. Now what?\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cp\u003eMost schools graduate students who can't read a pay stub, file a 1040, or tell a credit card from a debt trap. \u003cstrong\u003eThe Grind\u003c\/strong\u003e is the intermediate volume of \u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — a US personal finance workbook covering the working-world mechanics nobody actually teaches.\u003c\/p\u003e\n\n\u003cp\u003eEvery chapter has a fill-in-the-pages exercise and a real-world mission. By the last page you'll be able to read a pay stub line by line, file a return and claim your refund, tell a Roth IRA from a 401(k) and know which to fund first, and explain FICA and credit scores to anyone who asks.\u003c\/p\u003e\n\n\u003ch3\u003eWhat's inside — 14 chapters\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe First Paycheck\u003c\/strong\u003e — reading a pay stub: gross versus net, and the forms you'll meet\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Big Three Deductions\u003c\/strong\u003e — federal income tax, FICA, and state tax\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Roth Vault\u003c\/strong\u003e — the Roth IRA, and why it's a teenager's most powerful account\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Employer Match\u003c\/strong\u003e — 401(k)s, the HSA, and capturing free employer money\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFiling Your First 1040\u003c\/strong\u003e — how to file a return and claim your refund\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCredit Scores and The Plastic Card\u003c\/strong\u003e — building credit and using a card with discipline\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Emergency Buffer\u003c\/strong\u003e — liquidity, and building your first safety net\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Automation Engine\u003c\/strong\u003e — paying yourself first, on autopilot\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Stock Market Map\u003c\/strong\u003e — how stocks grow: gains, dividends, and diversification\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Basket Strategy\u003c\/strong\u003e — ETFs, index funds, and the major US market indexes\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Risk Scale\u003c\/strong\u003e — matching investment risk to your time horizon\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Education Path\u003c\/strong\u003e — 529 plans, FAFSA, grants, and student loans\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eFinancial Self-Defense\u003c\/strong\u003e — spotting scams, fraud, and identity theft\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Long-Game Mindset\u003c\/strong\u003e — time in the market and delayed gratification\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eEvery chapter follows the same six-part structure\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Level Up\u003c\/strong\u003e — a story that frames the concept\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the core lesson, with real US numbers\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Skill Quest\u003c\/strong\u003e — a hands-on, fill-in-the-pages exercise\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBalancing Your Skills\u003c\/strong\u003e — the trade-off, made visible\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuild Chat\u003c\/strong\u003e — questions to take to a parent, mentor, or older sibling\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eElite Quest\u003c\/strong\u003e — a real-world mission off the page\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eTeens starting a first job, summer gig, or part-time work\u003c\/li\u003e\n\u003cli\u003eYoung adults catching up on the money basics nobody taught them\u003c\/li\u003e\n\u003cli\u003eStudents weighing 529s, FAFSA, and student loans\u003c\/li\u003e\n\u003cli\u003eA graduation present, adulting handbook, or eighteenth birthday gift\u003c\/li\u003e\n\u003cli\u003eHigh school finance classes, homeschool curriculum, or classroom resource\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eUS Edition\u003c\/h3\u003e\n\u003cp\u003eDeductions, contribution limits, account types, and IRS rules are US, based on 2026 projections. Includes a full chapter on paying for college that has no equivalent in the other editions.\u003c\/p\u003e\n\n\u003ch3\u003eWhere it sits in the series\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eBook 1 (The Money Starter Pack)\u003c\/strong\u003e covers the fundamentals. The Grind picks up the day you start earning. \u003cstrong\u003eBook 3 (Endgame)\u003c\/strong\u003e covers real estate, business, and financial independence. All three are collected in \u003cstrong\u003eFully Charged\u003c\/strong\u003e.\u003c\/p\u003e\n\n\u003ch3\u003eFormat\u003c\/h3\u003e\n\u003cp\u003ePrinted workbook · 129 pages · 14 chapters · Intermediate level\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCash the check. Run the system.\u003c\/strong\u003e\u003c\/p\u003e","brand":"The Money Skill Tree","offers":[{"title":"Default Title","offer_id":44466978816066,"sku":null,"price":21.99,"currency_code":"CAD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0693\/1844\/3074\/files\/US_Book2_Cover_caef6681-de87-4713-bc2d-37648f0b2d20.png?v=1784831820"},{"product_id":"endgame-us-edition-book-3","title":"Endgame – US Edition (Book 3) — Coming Soon","description":"\u003cp\u003e\u003cem\u003e🇺🇸 Not yet available. The \u003ca href=\"\/collections\/canadian-edition\"\u003eCanadian Edition\u003c\/a\u003e is on sale now — \u003ca href=\"\/pages\/contact\"\u003eget in touch\u003c\/a\u003e to be told when the US Edition ships.\u003c\/em\u003e\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe advanced volume. 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The mortgage material gets its own chapter here — US loan structures need it.\u003c\/p\u003e\n\n\u003ch3\u003eWhere it sits in the series\u003c\/h3\u003e\n\u003cp\u003eThis is the closing volume. \u003cstrong\u003eBook 1\u003c\/strong\u003e covered the fundamentals and \u003cstrong\u003eBook 2\u003c\/strong\u003e covered the working world. Endgame is where you design your exit. 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The \u003ca href=\"\/collections\/canadian-edition\"\u003eCanadian Edition\u003c\/a\u003e is on sale now — \u003ca href=\"\/pages\/contact\"\u003eget in touch\u003c\/a\u003e to be told when the US Edition ships.\u003c\/em\u003e\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe complete Money Skill Tree trilogy in one volume — from your first dollar to financial independence.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cp\u003eMost personal finance books pick one moment in life and write to it. \u003cstrong\u003eFully Charged\u003c\/strong\u003e takes a different approach: all three volumes — Beginner, Intermediate, and Advanced — in a single reference that grows with the reader from age 12 through adulthood.\u003c\/p\u003e\n\n\u003cp\u003eThe series runs on one mental model end to end: money is stored energy, your Life Battery charges when you earn and drains when you spend, and every financial decision is a quest. Every chapter has a fill-in-the-pages exercise and a real-world mission.\u003c\/p\u003e\n\n\u003ch3\u003eWhat's inside — 35 chapters across three levels\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eLevel 1 — The Money Starter Pack (Beginner, 11 chapters).\u003c\/strong\u003e For readers aged 12 and up. Earning, needs versus wants, saving, compound interest and inflation, the 50\/30\/20 rule, debt traps, and how the Fed, IRS and FDIC work.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLevel 2 — The Grind (Intermediate, 14 chapters).\u003c\/strong\u003e For teens with a first paycheck and young adults. Pay stubs, FICA, filing a 1040, Roth IRAs, 401(k)s and HSAs, credit scores, index investing, 529s and student loans, and fraud defense.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLevel 3 — Endgame (Advanced, 10 chapters).\u003c\/strong\u003e For adults facing first-home, first-business, and financial independence decisions. Mortgages, capital gains, salary negotiation, LLCs and S-corps, insurance, and the 4% rule.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eEvery chapter follows the same six-part structure\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Level Up\u003c\/strong\u003e — a story or analogy that opens the concept\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the core lesson, with real US numbers\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Skill Quest\u003c\/strong\u003e — a hands-on, fill-in-the-pages exercise\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBalancing Your Skills\u003c\/strong\u003e — the trade-off, made visible\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuild Chat\u003c\/strong\u003e — questions to take to a parent, mentor, partner, or advisor\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eElite Quest\u003c\/strong\u003e — a real-world mission off the page\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eParents and educators who want one reference covering age 12 through adulthood\u003c\/li\u003e\n\u003cli\u003eHomeschool curriculum, high school finance classes, or classroom units\u003c\/li\u003e\n\u003cli\u003eA graduation present, eighteenth birthday gift, or college send-off\u003c\/li\u003e\n\u003cli\u003eAdults catching up on the financial literacy nobody taught them\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eUS Edition\u003c\/h3\u003e\n\u003cp\u003eEvery dollar figure, tax bracket, contribution limit, account rule, mortgage structure, and FIRE number is US, based on 2026 projections. Includes a unified glossary covering every term across all three books.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you save\u003c\/h3\u003e\n\u003cp\u003eBought separately the three books total $64.97. Fully Charged is $49.99 — a saving of $14.98.\u003c\/p\u003e\n\n\u003ch3\u003eFormat\u003c\/h3\u003e\n\u003cp\u003ePrinted workbook · 35 chapters across three levels\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCharge the battery. Build the skill tree.\u003c\/strong\u003e\u003c\/p\u003e","brand":"The Money Skill Tree","offers":[{"title":"Default Title","offer_id":44466979700802,"sku":null,"price":49.99,"currency_code":"CAD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0693\/1844\/3074\/files\/Complete_Course_Cover_f525f042-5f25-40d7-a0cc-fab2dd2936fe.png?v=1785514091"},{"product_id":"the-money-starter-pack-world-edition-book-1","title":"The Money Starter Pack – World Edition (Book 1) — Coming Soon","description":"\u003cp\u003e\u003cem\u003e🌍 Not yet available. The \u003ca href=\"\/collections\/canadian-edition\"\u003eCanadian Edition\u003c\/a\u003e is on sale now — \u003ca href=\"\/pages\/contact\"\u003eget in touch\u003c\/a\u003e to be told when the World Edition ships.\u003c\/em\u003e\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eBuild a money mindset that lasts a lifetime — starting at age 12.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cp\u003eMost students leave school knowing the quadratic formula but not how a paycheque works, what compound interest does, or why inflation quietly shrinks every unit of currency in their savings. \u003cstrong\u003eThe Money Starter Pack\u003c\/strong\u003e fixes that — written for readers aged 12 and up anywhere in the world, in a game-inspired style built for people who would rather level up than sit through a lecture.\u003c\/p\u003e\n\n\u003cp\u003eThis is Book 1 of \u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the beginner volume. It teaches the fundamentals through the metaphor of a Life Battery that charges with effort and drains with every choice. Because the fundamentals don't change at a border, this volume needs no local tax code to be useful.\u003c\/p\u003e\n\n\u003ch3\u003eWhat's inside — 10 chapters\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Power in Your Pocket\u003c\/strong\u003e — understanding money as stored energy\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Software Update\u003c\/strong\u003e — from barter to digital, and how money evolved\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Filter\u003c\/strong\u003e — needs versus wants, and how to tell the difference\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Generator\u003c\/strong\u003e — income, side hustles, and earning your first money\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Charging Station\u003c\/strong\u003e — banks, accounts, and where to store your money\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Two Rooms\u003c\/strong\u003e — chequing versus savings, and the two-room money system\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Multiplier Effect\u003c\/strong\u003e — compound interest and the power of starting early\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Invisible Shrink\u003c\/strong\u003e — inflation, and why money loses value over time\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Flight Path\u003c\/strong\u003e — budgeting with the 50\/30\/20 rule\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Energy Thieves\u003c\/strong\u003e — debt, traps, and protecting what you've built\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eEvery chapter follows the same six-part structure\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Level Up\u003c\/strong\u003e — a story that opens the concept\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the core lesson\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Skill Quest\u003c\/strong\u003e — a hands-on, fill-in-the-pages exercise\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBalancing Your Skills\u003c\/strong\u003e — the trade-off, made visible\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuild Chat\u003c\/strong\u003e — questions to take to a parent, mentor, or older sibling\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eElite Quest\u003c\/strong\u003e — a real-world mission off the page\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eReaders aged 12 and up, anywhere, working through it alone or with a parent\u003c\/li\u003e\n\u003cli\u003eFamilies outside Canada and the US, or between countries\u003c\/li\u003e\n\u003cli\u003eInternational schools, homeschool curriculum, or after-school enrichment\u003c\/li\u003e\n\u003cli\u003eAn allowance, chore, or birthday gift for a teenager\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWorld Edition\u003c\/h3\u003e\n\u003cp\u003eBuilt on principles that hold regardless of which tax code you live under. Figures are illustrative and based on 2026 projections; verify local rates with your own tax authority or bank.\u003c\/p\u003e\n\n\u003ch3\u003eWhere it sits in the series\u003c\/h3\u003e\n\u003cp\u003eBook 1 lays the foundation. \u003cstrong\u003eBook 2 (The Grind)\u003c\/strong\u003e covers safety nets, credit, currencies, and investing. \u003cstrong\u003eBook 3 (Endgame)\u003c\/strong\u003e covers tax, property, business, and money across borders. All three are collected in \u003cstrong\u003eFully Charged\u003c\/strong\u003e.\u003c\/p\u003e\n\n\u003ch3\u003eFormat\u003c\/h3\u003e\n\u003cp\u003ePrinted workbook · 107 pages · 10 chapters · Beginner level\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eUnlock your first financial skills.\u003c\/strong\u003e\u003c\/p\u003e","brand":"The Money Skill Tree","offers":[{"title":"Default Title","offer_id":44466980880450,"sku":null,"price":17.99,"currency_code":"CAD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0693\/1844\/3074\/files\/WORLD_Book1_Cover_143eb528-693c-491e-beaf-169f92eb0b58.png?v=1784831905"},{"product_id":"the-grind-world-edition-book-2","title":"The Grind – World Edition (Book 2) — Coming Soon","description":"\u003cp\u003e\u003cem\u003e🌍 Not yet available. The \u003ca href=\"\/collections\/canadian-edition\"\u003eCanadian Edition\u003c\/a\u003e is on sale now — \u003ca href=\"\/pages\/contact\"\u003eget in touch\u003c\/a\u003e to be told when the World Edition ships.\u003c\/em\u003e\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eYou're earning. Now make the money hold its shape.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe Grind\u003c\/strong\u003e is the intermediate volume of \u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e, built for readers whose money has to work across currencies and borders — not just inside one tax system. It covers the machinery that follows you wherever you earn: a safety net, credit, automation, defending against inflation, moving money internationally, and getting invested.\u003c\/p\u003e\n\n\u003cp\u003eEvery chapter has a fill-in-the-pages exercise and a real-world mission. By the last page you'll have a funded emergency buffer, automated savings, a working grasp of exchange rates and transfer costs, and a clear view of how index investing works.\u003c\/p\u003e\n\n\u003ch3\u003eWhat's inside — 11 chapters\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Emergency Buffer\u003c\/strong\u003e — your financial safety net, and why it comes first\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eCredit Scores and The Plastic Card\u003c\/strong\u003e — building credit and using a card with discipline\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Automation Engine\u003c\/strong\u003e — setting your money up to save itself\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Social Charge\u003c\/strong\u003e — peer pressure, lifestyle, and financial identity\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Inflation Shield\u003c\/strong\u003e — defending your money when inflation runs high\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Currency Bridge\u003c\/strong\u003e — exchanging between currencies, and what it really costs\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Teleport Network\u003c\/strong\u003e — moving money quickly between people and places\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Stock Market Map\u003c\/strong\u003e — how the stock market works\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Basket Strategy\u003c\/strong\u003e — ETFs and index investing\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Risk Scale\u003c\/strong\u003e — understanding and managing investment risk\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Long-Game Mindset\u003c\/strong\u003e — patience, consistency, and thinking in decades\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eEvery chapter follows the same six-part structure\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Level Up\u003c\/strong\u003e — a story that frames the concept\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the core lesson\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Skill Quest\u003c\/strong\u003e — a hands-on, fill-in-the-pages exercise\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBalancing Your Skills\u003c\/strong\u003e — the trade-off, made visible\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuild Chat\u003c\/strong\u003e — questions to take to a parent, mentor, or older sibling\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eElite Quest\u003c\/strong\u003e — a real-world mission off the page\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eTeens and young adults earning their first money outside Canada and the US\u003c\/li\u003e\n\u003cli\u003eAnyone paid in one currency and spending or sending in another\u003c\/li\u003e\n\u003cli\u003eFamilies supporting relatives across borders\u003c\/li\u003e\n\u003cli\u003eInternational schools, homeschool curriculum, or classroom resource\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWorld Edition\u003c\/h3\u003e\n\u003cp\u003eBecause payroll and filing rules differ in every country, this volume deliberately leaves them alone and concentrates on what transfers — including two chapters on currency exchange and international transfers that appear in no other edition. Tax is handled in \u003cstrong\u003eBook 3\u003c\/strong\u003e, which opens with the universal mechanics behind any tax system.\u003c\/p\u003e\n\n\u003ch3\u003eWhere it sits in the series\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eBook 1 (The Money Starter Pack)\u003c\/strong\u003e covers the fundamentals. The Grind is the working-world layer. \u003cstrong\u003eBook 3 (Endgame)\u003c\/strong\u003e covers tax, property, business, and money across borders. All three are collected in \u003cstrong\u003eFully Charged\u003c\/strong\u003e.\u003c\/p\u003e\n\n\u003ch3\u003eFormat\u003c\/h3\u003e\n\u003cp\u003ePrinted workbook · 96 pages · 11 chapters · Intermediate level\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCash the cheque. Run the system.\u003c\/strong\u003e\u003c\/p\u003e","brand":"The Money Skill Tree","offers":[{"title":"Default Title","offer_id":44466981175362,"sku":null,"price":21.99,"currency_code":"CAD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0693\/1844\/3074\/files\/WORLD_Book2_Cover_c4419897-df6f-4cc9-8c17-5ebf432b24b2.png?v=1784831925"},{"product_id":"endgame-world-edition-book-3","title":"Endgame – World Edition (Book 3) — Coming Soon","description":"\u003cp\u003e\u003cem\u003e🌍 Not yet available. The \u003ca href=\"\/collections\/canadian-edition\"\u003eCanadian Edition\u003c\/a\u003e is on sale now — \u003ca href=\"\/pages\/contact\"\u003eget in touch\u003c\/a\u003e to be told when the World Edition ships.\u003c\/em\u003e\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe advanced volume. Tax, property, business, and money that crosses borders.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cp\u003eBooks 1 and 2 covered the basics. \u003cstrong\u003eEndgame\u003c\/strong\u003e is where the numbers get serious — written for adults facing the first genuinely expensive decisions: the first property, the first counter-offer, the first real business, and the question of how to hold money when your life spans more than one country.\u003c\/p\u003e\n\n\u003cp\u003eIt opens with the mechanics common to every tax system, so you can read your own country's rules rather than memorising someone else's, and closes by having you calculate your Freedom Number — the portfolio size that makes work optional. 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Figures are illustrative and based on 2026 projections; verify local rules with your own tax authority.\u003c\/p\u003e\n\n\u003ch3\u003eWhere it sits in the series\u003c\/h3\u003e\n\u003cp\u003eThis is the closing volume. \u003cstrong\u003eBook 1\u003c\/strong\u003e covered the fundamentals and \u003cstrong\u003eBook 2\u003c\/strong\u003e covered the working world. Endgame is where the decisions get expensive. All three are collected in \u003cstrong\u003eFully Charged\u003c\/strong\u003e.\u003c\/p\u003e\n\n\u003ch3\u003eFormat\u003c\/h3\u003e\n\u003cp\u003ePrinted workbook · 100 pages · 10 chapters · Advanced level\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eUnlock financial independence.\u003c\/strong\u003e\u003c\/p\u003e","brand":"The Money Skill Tree","offers":[{"title":"Default Title","offer_id":44466982092866,"sku":null,"price":24.99,"currency_code":"CAD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0693\/1844\/3074\/files\/WORLD_Book3_Cover_72dc0056-85e4-41e0-a05d-8a0b55ef13f5.png?v=1784831947"},{"product_id":"fully-charged-world-edition-complete-course","title":"Fully Charged – World Edition (Complete Course) — Coming Soon","description":"\u003cp\u003e\u003cem\u003e🌍 Not yet available. The \u003ca href=\"\/collections\/canadian-edition\"\u003eCanadian Edition\u003c\/a\u003e is on sale now — \u003ca href=\"\/pages\/contact\"\u003eget in touch\u003c\/a\u003e to be told when the World Edition ships.\u003c\/em\u003e\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eThe complete Money Skill Tree trilogy in one volume — from your first dollar to financial independence.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cp\u003eMost personal finance books pick one moment in life and one country, and write to both. \u003cstrong\u003eFully Charged\u003c\/strong\u003e takes a different approach: all three volumes — Beginner, Intermediate, and Advanced — in a single reference that grows with the reader from age 12 through adulthood, built on principles that survive a change of address.\u003c\/p\u003e\n\n\u003cp\u003eThe series runs on one mental model end to end: money is stored energy, your Life Battery charges when you earn and drains when you spend, and every financial decision is a quest. Every chapter has a fill-in-the-pages exercise and a real-world mission.\u003c\/p\u003e\n\n\u003ch3\u003eWhat's inside — 31 chapters across three levels\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eLevel 1 — The Money Starter Pack (Beginner, 10 chapters).\u003c\/strong\u003e For readers aged 12 and up. Earning, needs versus wants, saving, compound interest and inflation, the 50\/30\/20 rule, and debt traps.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLevel 2 — The Grind (Intermediate, 11 chapters).\u003c\/strong\u003e For teens and young adults earning their first money. Emergency funds, credit, automation, inflation defence, currency exchange, international transfers, and index investing.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLevel 3 — Endgame (Advanced, 10 chapters).\u003c\/strong\u003e For adults facing expensive decisions. How tax systems work, salary negotiation, property, business, insurance, running money across borders, and calculating your Freedom Number with the 4% rule.\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eEvery chapter follows the same six-part structure\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Level Up\u003c\/strong\u003e — a story or analogy that opens the concept\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Money Skill Tree\u003c\/strong\u003e — the core lesson\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eThe Skill Quest\u003c\/strong\u003e — a hands-on, fill-in-the-pages exercise\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eBalancing Your Skills\u003c\/strong\u003e — the trade-off, made visible\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eGuild Chat\u003c\/strong\u003e — questions to take to a parent, mentor, partner, or advisor\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eElite Quest\u003c\/strong\u003e — a real-world mission off the page\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWho it's for\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eFamilies outside Canada and the US, or living between countries\u003c\/li\u003e\n\u003cli\u003eInternational schools, homeschool curriculum, or classroom units\u003c\/li\u003e\n\u003cli\u003eExpatriates and remote workers who want one reference that travels\u003c\/li\u003e\n\u003cli\u003eAdults catching up on the financial literacy nobody taught them\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eWorld Edition\u003c\/h3\u003e\n\u003cp\u003eBuilt on principles that hold regardless of which tax code you live under, with dedicated material on currency exchange, international transfers, and managing money across borders that appears in no other edition. Includes a unified glossary covering every term across all three books.\u003c\/p\u003e\n\n\u003ch3\u003eWhat you save\u003c\/h3\u003e\n\u003cp\u003eBought separately the three books total $64.97. Fully Charged is $49.99 — a saving of $14.98.\u003c\/p\u003e\n\n\u003ch3\u003eFormat\u003c\/h3\u003e\n\u003cp\u003ePrinted workbook · 31 chapters across three levels\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eCharge the battery. Build the skill tree.\u003c\/strong\u003e\u003c\/p\u003e","brand":"The Money Skill Tree","offers":[{"title":"Default Title","offer_id":44466982551618,"sku":null,"price":49.99,"currency_code":"CAD","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0693\/1844\/3074\/files\/Complete_Course_Cover.png?v=1785513110"}],"url":"https:\/\/moneyskilltree.com\/collections\/all-books.oembed","provider":"The Money Skill Tree","version":"1.0","type":"link"}