Mustard Seed Investor logo: a sprouting mustard seedMustard Seed Investor
Course · Band A

Band A — Grades 6–8 · Enrichment

Money, Markets, and Thinking Like an Owner, step by step: 94 steps across 8 units and a capstone, ≈38 hours of instruction. About 2 sessions a week for a semester.

Enrichment for Grades 6–8, mapped benchmark-by-benchmark to Florida's Grade 8 Financial Literacy strand (SS.8.FL) — all 37 benchmarks taught and assessed. Offered as enrichment, not as a standards course (Florida publishes no SS.6.FL/SS.7.FL strand).

Created by an ex-Microsoft, ex-Amazon engineer.

Band A · Grades 6–8 · Enrichment

$299 / year

One-year enrolment for one student. ≈38 hours of step-by-step lessons, activities and scored quizzes. This course is a separate enrolment — it is not included in the Basic, Plus or Pro plans, and it does not unlock them.

Created by an ex-Microsoft, ex-Amazon engineer.

Sign in to enroll — $299/year

You'll create your account with Google sign-in, then pay securely by card through Stripe.

This course is fully locked

Every lesson, activity, quiz and the capstone unlock with this band's $299/year enrolment — nothing is drip-fed and there are no free previews of lesson content. Sign in, enroll, and start at Step 1.

Curriculum — Band A

Unit 0 — Start Here · 1 h · 5 steps

  1. Unit 0 overview 🔒 overview
  2. Lesson 0.1 — The whole subject in five minutes 🔒 lesson
  3. Lesson 0.2 — What the tracker shows (and what it cannot) 🔒 lesson
  4. Pre-assessment (ungraded — answer honestly; you'll retake it after the capstone) 🔒 quiz
  5. Unit 0 reflection 🔒 activity

Unit 1 — Financial Attitudes and Behaviors · 3 h · 7 steps

  1. Unit 1 overview 🔒 overview
  2. Lesson 1.1 — Values first (SS.912.FL.1.1) 🔒 lesson
  3. Lesson 1.2 — Your brain has bugs: cognitive bias (SS.912.FL.1.2) 🔒 lesson
  4. Lesson 1.3 — Loss aversion and the endowment effect (SS.912.FL.1.3, 1.4) 🔒 lesson
  5. Lesson 1.4 — Herd, anchor, confirmation, present (SS.912.FL.1.5–1.8) 🔒 lesson
  6. Activity 1 — Bias field journal (1 week) 🔒 activity
  7. Quiz 1 (answer key with explanations after the questions) 🔒 quiz

Unit 2 — Earning Income · 4.5 h · 9 steps

  1. Unit 2 overview 🔒 overview
  2. Lesson 2.1 — Choosing work: careers, education, and the real price of both (SS.912.FL.2.1–2.3 · SS.8.FL.1.1–1.6) 🔒 lesson
  3. Lesson 2.2 — The labor market sets the wage (SS.912.FL.2.4, 2.5) 🔒 lesson
  4. Lesson 2.3 — Taxes: what they fund, how yours are figured (SS.912.FL.2.6, 2.8, 2.12, 2.13) 🔒 lesson
  5. Lesson 2.4 — Income from investments (SS.912.FL.2.7 · SS.8.FL.1.7) 🔒 lesson
  6. Lesson 2.5 — Entrepreneurship and gig work (SS.912.FL.2.9, 2.10) 🔒 lesson
  7. Lesson 2.6 — Social Security and income support (SS.912.FL.2.11 · SS.8.FL.1.8) 🔒 lesson
  8. Activity 2 — Two pathways, honestly costed 🔒 activity
  9. Quiz 2 🔒 quiz

Unit 3 — Buying Goods and Services · 4.5 h · 8 steps

  1. Unit 3 overview 🔒 overview
  2. Lesson 3.1 — Deciding like a consumer scientist (SS.912.FL.3.1–3.5 · SS.8.FL.2.1, 2.2) 🔒 lesson
  3. Lesson 3.2 — Giving: the consumption nobody audits (SS.912.FL.3.6) 🔒 lesson
  4. Lesson 3.3 — Consumer protection and payment methods (SS.912.FL.3.7, 3.8 · SS.8.FL.2.3, 2.4) 🔒 lesson
  5. Lesson 3.4 — The budget: goals with numbers attached (SS.912.FL.3.9 · SS.8.FL.2.5) 🔒 lesson
  6. Lesson 3.5 — Contracts and billing errors (SS.912.FL.3.10–3.12) 🔒 lesson
  7. Activity 3 — One real purchase, fully audited 🔒 activity
  8. Quiz 3 🔒 quiz

Unit 4 — Saving · 4.5 h · 8 steps

  1. Unit 4 overview 🔒 overview
  2. Lesson 4.1 — Where saved money lives (SS.912.FL.4.1, 4.2 · SS.8.FL.3.1) 🔒 lesson
  3. Lesson 4.2 — Managing money and the spending/saving trade (SS.912.FL.4.3, 4.4 · SS.8.FL.3.7) 🔒 lesson
  4. Lesson 4.3 — Interest, principal, and the compound engine (SS.8.FL.3.2–3.6 · SS.912.FL.4.5, 4.6) 🔒 lesson
  5. Lesson 4.4 — Money today vs. money tomorrow (SS.912.FL.4.7) 🔒 lesson
  6. Lesson 4.5 — The referees and the incentives (SS.912.FL.4.8–4.10 · SS.8.FL.3.8) 🔒 lesson
  7. Activity 4 — The saver's lab 🔒 activity
  8. Quiz 4 🔒 quiz

Unit 5 — Using Credit · 4.5 h · 10 steps

  1. Unit 5 overview 🔒 overview
  2. Lesson 5.1 — The price of using someone else's money (SS.912.FL.5.1, 5.2 · SS.8.FL.4.1, 4.4) 🔒 lesson
  3. Lesson 5.2 — Credit cards, honestly (SS.912.FL.5.15 · SS.8.FL.4.2, 4.3) 🔒 lesson
  4. Lesson 5.3 — Loans, collateral, and the application (SS.912.FL.5.3, 5.4, 5.16) 🔒 lesson
  5. Lesson 5.4 — Credit reports and scores: your financial reputation, in writing (SS.912.FL.5.5–5.7, 5.13) 🔒 lesson
  6. Lesson 5.5 — When repayment fails (SS.912.FL.5.8–5.10) 🔒 lesson
  7. Lesson 5.6 — Mortgages and the laws around credit (SS.912.FL.5.11, 5.12) 🔒 lesson
  8. Lesson 5.7 — Paying for education after high school (SS.912.FL.5.14, 5.17) 🔒 lesson
  9. Activity 5 — Price three ways to buy the same car 🔒 activity
  10. Quiz 5 🔒 quiz

Unit 6 — Investing in Financial Markets · 10 h · 37 steps

  1. Unit 6 overview 🔒 overview
  2. Lesson 6A.1 — Owning, lending, pooling (SS.912.FL.6.1 · SS.8.FL.5.1, 5.3, 5.4) 🔒 lesson Module 6A
  3. Lesson 6A.2 — The Grade 8 computation (SS.8.FL.5.2) 🔒 lesson Module 6A
  4. Lesson 6A.3 — Words used precisely (supports 6.1) 🔒 lesson Module 6A
  5. Lesson 6A.4 — Risk, return, time, diversification, and you (SS.912.FL.6.3, 6.5–6.7, 6.10 · SS.8.FL.5.5) 🔒 lesson Module 6A
  6. Lesson 6A.5 — Taxes on investments; the return that counts (SS.912.FL.6.2) 🔒 lesson Module 6A
  7. Lesson 6A.6 — Dividends: getting paid while you own (applies SS.912.FL.2.7, 6.1) 🔒 lesson Module 6A
  8. Lesson 6A.7 — Stock vs. ETF: one company or the whole basket? (applies SS.912.FL.6.1, 6.7) 🔒 lesson Module 6A
  9. Lesson 6A.8 — The commodities market: gold, silver, and things you can drop on your foot (applies SS.912.FL.6.1) 🔒 lesson Module 6A
  10. Lesson 6B.1 — Every chart is an argument (SS.912.FL.6.4, 6.8) 🔒 lesson Module 6B
  11. Lesson 6B.2 — Moving averages, volume, support/resistance — as description (supports 6.8) 🔒 lesson Module 6B
  12. Lesson 6B.3 — News, rates, and policy move prices (SS.912.FL.6.8, 6.9) 🔒 lesson Module 6B
  13. Lesson 6B.4 — Candlesticks: four prices in one shape 🔒 lesson Module 6B
  14. Lesson 6B.5 — Technical indicators: what the lines actually compute 🔒 lesson Module 6B
  15. Lesson 6B.6 — Dow Theory: the market moves in three trends at once (ENRICHMENT — the classical foundation for this module) 🔒 lesson Module 6B
  16. Lesson 6B.7 — Trendlines, channels, support, and resistance (supports 6.8) 🔒 lesson Module 6B
  17. Lesson 6B.8 — Reversal patterns I: head & shoulders — and the one that failed (ENRICHMENT) 🔒 lesson Module 6B
  18. Lesson 6B.9 — Reversal patterns II: double and triple tops and bottoms, and rounding turns (ENRICHMENT) 🔒 lesson Module 6B
  19. Lesson 6B.10 — Continuation patterns: triangles, rectangles, flags, and pennants (ENRICHMENT) 🔒 lesson Module 6B
  20. Lesson 6B.11 — Gaps, and volume: the chart's second witness (supports 6.8) 🔒 lesson Module 6B
  21. Lesson 6C.1 — Why the reports exist (SS.912.FL.6.11) 🔒 lesson Module 6C
  22. Lesson 6C.2 — The three statements (supports 6.11) 🔒 lesson Module 6C
  23. Lesson 6C.3 — Red flags and limits 🔒 lesson Module 6C
  24. Lesson 6C.4 — The P/E ratio, and how to read a stock (applies 6.11) 🔒 lesson Module 6C
  25. Lesson 6D.1 — Who regulates what (SS.912.FL.6.12) 🔒 lesson Module 6D
  26. Lesson 6D.2 — Reading a 13F like an analyst (applies 6.11, 6.12) 🔒 lesson Module 6D
  27. Lesson 6D.3 — The STOCK Act civics lab (applies 6.11, 6.12; civics enrichment, no civics code claimed) 🔒 lesson Module 6D
  28. Module 6E — Lessons from great investors (ENRICHMENT — taught through FL.6/FL.1) 🔒 lesson Module 6E
  29. Lesson 6F.1 — Paper trading with professional discipline (applies 6.5–6.7, 6.10) 🔒 lesson Module 6F
  30. Lesson 6F.2 — Account types (SS.912.FL.6.13) 🔒 lesson Module 6F
  31. Lesson 6F.3 — PARENT/GUARDIAN SECTION: custodial accounts, honestly (applies 6.13) 🔒 lesson Module 6F
  32. Module 6G — Digital currency, soberly (SS.912.FL.6.14) 🔒 lesson Module 6G
  33. Module 6H — Rules-based thinking and backtesting (ENRICHMENT) 🔒 lesson Module 6H
  34. Lesson 6H.2 — Turning a pattern into a rule a computer can grade (ENRICHMENT) 🔒 lesson Module 6H
  35. Lesson 6H.3 — Risk first: stop-losses and position size (ENRICHMENT) 🔒 lesson Module 6H
  36. Activity 6 — Two-filing investigation + Portfolio X-Ray (choose with your band) 🔒 activity Module 6H
  37. Quiz 6 🔒 quiz Module 6H

Unit 7 — Protecting and Insuring · 4 h · 9 steps

  1. Unit 7 overview 🔒 overview
  2. Lesson 7.1 — Risk is real, and insurance is a pool (SS.912.FL.7.1, 7.2 · SS.8.FL.6.1–6.5) 🔒 lesson
  3. Lesson 7.2 — Choosing coverage like an analyst (SS.912.FL.7.3–7.7 · SS.8.FL.6.6) 🔒 lesson
  4. Lesson 7.3 — The insurance inventory (SS.912.FL.7.8) 🔒 lesson
  5. Lesson 7.4 — The safety net underneath (SS.912.FL.7.9) 🔒 lesson
  6. Lesson 7.5 — Identity, information, and your digital footprint (SS.912.FL.7.10–7.12 · SS.8.FL.6.7) 🔒 lesson
  7. Lesson 7.6 — Planning for every contingency (SS.912.FL.7.13–7.15) 🔒 lesson
  8. Activity 7 — Household risk plan 🔒 activity
  9. Quiz 7 🔒 quiz

Unit 8 — Capstone Project · 2 h · 1 steps

  1. Capstone brief 🔒 overview

Course resources