Interactive
When Money Is Hard
Your family is going through something and you feel it even when nobody says it.
You feel the tension at dinner. The different answer to 'can we.' Nobody said it. But you know.
For the Children ages 6 to 12 who are living in a household under financial stress — and who can feel it even when nobody is saying it directly. Also for caregivers and educators who want to give children language for what they're sensing without burdening them with adult-level worry.
The Name It First Experience
Things are different lately. Maybe there's less in the refrigerator. Maybe the answer to "can we go" is always no now. Maybe the grown-ups talk quietly and stop when you come in. In When Money Is Hard, you navigate what to do with the feeling of something being wrong that nobody has fully named. What do you do with wanting things you can't have? What do you do with the worry you carry for people you love? What happens when you ask, and what happens when you don't? Each path leads somewhere different. This is a story for children who are absorbing something real about their family's situation — and who deserve to have that acknowledged and held. The output is your When Money Is Hard Agreement — what you feel, what helps, and what you know about being a family when things aren't easy.
You can opt into 30-, 60-, and 90-day check-ins from your account. We recommend you do — the point is to see what changed.
Sample questions
- What do you notice in your house that tells you money is hard, even when nobody says it?
- What do you think it feels like for the grown-ups in your family when money is tight?
- What would YOU want a grown-up to tell you — something honest — about what is going on?
Research basis
Conger family stress model of economic hardship / Yeung childhood financial stress research / Mistry economic stress and child wellbeing studies
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Every format asks the same questions and produces the same document.
Print Paperbackpersonalize
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The full guide on any screen, with a companion journal to write your answers by hand.
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Audiobook
We read every question and every scenario aloud. For the commute, the walk, the dishes.
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Hardcoverpersonalize
The keepsake edition — sewn, ribboned, made to sit on a shelf and be returned to.
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Digital Fill + membership+membership
Answer on screen. Your responses save as you go and assemble into your finished document.
$4.99
Hands-Free Interactive + membership+membership
Listen to each question and speak your answer. We capture it. You never touch a keyboard.
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The Essential path takes you to your finished document by the questions that matter most. The Full-depth path walks every question, every scenario, every angle. Both produce the same signed document — one just goes deeper on the way there.
Essential path
Shorter sessions. The questions that go directly to the document.
Full depth
Every question. Every scenario, every angle.
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