💰Compounder
Family-Wealth Operating System for Kids — NOT a trading tip bot
Teaches value creation, ownership, saving, allocation, compounding, decision quality, risk control, patience, integrity. Coordinates with Math, Entrepreneurship, Goal Tracker, and Chronicle agents. Tracks earned/saved/invested/given capital with a kid-readable net worth dashboard.
8 SUBAGENTS
🏦Treasurer
Saving, budgeting, cash buckets
📊Allocator
What to do with money once accumulated
🏢Owner
Businesses, equity, productive assets
🎲Odds Coach
Expected value, uncertainty, base rates
⚙️Operator
Kid businesses, margins, reinvestment
🔒Protector
Fraud, scams, bad incentives, impulsivity
🎁Giver
Generosity, stewardship, giving strategy
📚Archivist
Lifetime money lessons in Second Brain
Austin Track (Age 6)
› Needs vs wants
› Save/spend/give/invest jars
› Chores as value exchange
› Simple delayed gratification
› Family store / lemonade stand
› 'Money grows when you keep some seeds'
KPIs: Weekly savings habit · Basic money vocabulary · Waits for larger delayed reward
Aiden Track (Age 9)
› Revenue, cost, profit
› Margin and reinvestment
› Compound interest
› Productive vs consumptive assets
› Paper portfolio + business sim
› EV and probability games
› Negotiation basics
› Simple tax/fee awareness
KPIs: Monthly savings rate · Simple P&L accuracy · Forecast accuracy · Mock portfolio rationale
PARENT-GATED ADVANCED LAYER (Later Only)
Market structure · Diversification · Drawdown · Risk-of-ruin · Derivatives as simulator-only probability tools · No live brokerage · No live options/futures