CleverCents⢠is an immersive financial literacy platform that helps children build smart money habits through interactive learning and real world decision making.
Inside the world of Cleverton, children earn, spend, save, invest, and give while seeing how their choices shape the world around them.
Designed to align with national financial literacy standards and real world behaviors, CleverCents bridges the gap between knowledge and action.
Most financial habits begin forming by age 7, yet few financial education experiences are built for how young children actually learn. Existing tools are often designed for older audiences, too abstract, or disconnected from real world behavior.
CleverCents⢠was created to change that.
Through immersive learning experiences and interactive decision making, CleverCents helps children build confidence with earning, spending, saving, investing, and giving, turning financial concepts into everyday habits.
Designed to align with national financial literacy standards and real world behaviors, CleverCents bridges the gap between knowledge and action.
Most financial habits begin forming by age 7, yet few financial education experiences are built for how young children actually learn. Existing tools are often designed for older audiences, too abstract, or disconnected from real world behavior.
CleverCents⢠was created to change that.
Through immersive learning experiences and interactive decision making, CleverCents
helps children build confidence with earning, spending, saving, investing, and giving,
turning financial concepts into everyday habits.
CleverCents is an integrated financial learning platform for children ages 5-10 combining storytelling and interactive gameplay to help children understand and apply real-world money concepts early.
Books introduce key financial concepts in ways children can understand
The game brings those concepts to life through play and decision-making Together, they move children from understanding to action.
CleverCents was built specifically for younger children during the years when financial habits and decision making patterns first begin to develop.
Children learn best by doing. CleverCents turns financial education into active participation instead of passive instruction.
Children learn that money is not only about spending. It can also be used to help others and create positive community impact.
CleverCents is designed to align with national financial literacy standards and real world learning behaviors to help children develop practical money skills that can grow with them over time.
The platform focuses on:
Budgeting and spending choices
Saving and planning ahead
Investing and long term growth
Entrepreneurship and earning
Giving and community impact
Confidence and independent decision making
K.D. Salters is the Founder and Creator of CleverCentsâ˘, an immersive financial literacy platform designed to help children build smart money habits through storytelling, gameplay, and real-world decision-making.
After nearly 15 years in leadership at one of the worldâs leading global investment firms, K.D. stepped away from a successful corporate career to pursue a deeply personal mission: helping children build the financial confidence and decision-making skills that can shape their futures. Alongside her corporate career, K.D. spent years mentoring young adults on financial literacy, long-term planning, and wealth-building principles. Through those experiences, she recognized that while financial habits begin forming early in life, few engaging and age-appropriate tools existed to help children build confidence around money.
K.D. earned a bachelorâs degree in Psychology from New York University and a masterâs degree in Human Resources Development with a concentration in Organizational Development from George Washington University. She also attended The Madeira School.
Drawing from her background in leadership, technology, education, and financial empowerment, K.D. founded CleverCents⢠to help raise a wiser, more confident generation through engaging and accessible financial education.
Book 1
Book 2
Book 3
See why parents & teachers use this research-backed, integrative program
| Describe a process for making an informed consumer decision. |  |
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| Identify their short-term and long-term financial goals. | |
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| Differentiate the role of income and expenses when creating a budget. | |
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| Create a way to keep track of money spent and money saved. | |
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| Determine the relationship between long-term goals and opportunity cost. | |
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| Share examples of how price, spending choices of others, peer pressure, or advertising influence a purchase decision. | |
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