For teachers, youth workers and librarians
Using this with a class
Entrepreneurship, digital skills and money habits — as short builds a class can actually finish.
The complete book is free — readable on this site and downloadable as a PDF, with nothing to sign up for. Everything else here is free too, nothing is locked, and you do not need to ask permission to print any of it.
Fifteen chapters, 19 short builds, 19 Reality Checks and a rubric that marks the work a student already has to show you. Written for ages 13 and up, in English, by a thirteen-year-old.
What it covers
Enterprise and entrepreneurship, with money habits and digital skills running through it. It is shaped as things to make, not lessons to sit through. The book's own words for its subject, on printed page 63, are websites, future skills, entrepreneurship, and helping young people move “from consuming to creating”.
Entrepreneurship and enterprise
Finding a problem worth solving, turning a skill into one clear offer, scope, deadlines and starter pricing set with an adult.
Your First Offer CanvasSeven Safe First OffersThe 90-day path
Digital and future skills
Websites, AI tools, editing, design and research — used to make something, not to consume something. The book's own phrase for this is moving “from consuming to creating”.
Money habits and money mindset
Where money actually goes, the difference between revenue and profit, splitting what you earn, and why a young person's time is real.
Online safety, scams and pressure
The 19 Reality Checks are the safety layer: what a fake offer looks like, what secrecy means, and why an adult review is a test a real opportunity survives.
All 19 Reality ChecksGreen, yellow, redScam Check (not switched on yet)
Decision-making and risk
One rule for anything hard to undo or landing on somebody else, three questions, and the habit of naming what you decided not to do.
Working with people, and sticking at it
Asking a real person what they need, reading a room, recovering from a no, and keeping a promise for seven days without a streak that punishes you for missing one.
Chapter 9 — Squad GoalsChapter 8 — UnstoppableChapter 12 — Vibe Check
That is a description of the content, not an accreditation. This material is not written to a national curriculum and does not claim to match one — if it fits a scheme of work you are running, that is your judgement to make, and the licence below lets you cut it up to fit.
Before you use it
- Do students need an account?
- No. There is no account, no login and no email field. A worksheet may ask a student to write their name on it, but that stays in their own browser and is never sent anywhere — the same as everything else they type.
- What does it collect?
- Nothing. No analytics, no cookies, no third-party requests, no server-side storage. Progress is kept in the browser on that device and never sent anywhere. Open developer tools, reload, and check the network tab — it takes about two minutes. The one planned exception is the two AI tools, which are not switched on yet and are covered on the schools privacy page.
- What happens on a shared school laptop?
- Whatever a student ticks or writes is cleared when the device signs them out. That is why every worksheet prints and every page has a copy-as-text button: the paper is the record, and the site says so to students rather than pretending otherwise.
- Can I photocopy it?
- Every worksheet, build, template and Reality Check, yes, and you do not need to ask. See the licences below — the only restriction is that the Reality Checks may be copied but not altered. The book's own text is the exception: free to read and free to download, but send the link rather than run off copies.
- Is anything blocked behind a purchase?
- No, and that now includes the book itself. The complete text — all fifteen chapters with their stories, Hill Remix essays and What It Means Now — is free to read on this site, and downloadable as a PDF with nothing to fill in. You can set it as class reading without anybody buying anything.
- So what is the printed copy for?
- The object. Something to hand to a student, leave on a shelf, or work through without a notification closing it. If you want a set for a classroom, ask — the mailbox is in the footer.
The full technical version, written for an IT reviewer rather than a teacher, is on the schools privacy page.
What prints
These pages are laid out for paper, not just squeezed onto it — several of them exist specifically to be printed and worked on with a pen. Open the page and use your browser's print command.
- The whole book, as a PDF66 pages, 2.6 MB, the same file the print run was set from. Free, no email address, no sign-up. Read it, print a copy for yourself, set it as class reading. Send the class the link rather than the file: the book is free to read, but unlike everything else here it is not under a Creative Commons licence.
- The rubric, on one sheetOn this page, below. Six criteria, each pointing at something the student already has to show you. Prints with tick boxes and a notes line.
- A blank certificate for you to signOn this page, below. Nothing on it is filled in by us — that is the whole point of it.
- All 19 Reality ChecksOne page, every check in full, grouped by the risk it is about. The longest print here — check your page count before you send it to a shared printer.
- The traffic-light ruleGreen, yellow, red, with examples and the three questions. Each colour also has its own border thickness and style, so it still reads in a black-and-white photocopy.
- The folder indexA blank cover sheet for the REAL RICH RECEIPTS folder: 19 builds, 4 worksheets, 2 plans, a box and a line each. Prints the same whether or not the browser holds anything.
- Your Starting PointSeven fields. Prints blank and fills in by hand — no device needed at all.
- Your First Offer CanvasThe one that turns a skill into something a real person could actually buy.
- The 90-day pathThirteen actions across three phases, three of them flagged yellow — check in with an adult first.
- The 30-Day Tiny LaunchTwenty-one day-tasks across four weeks.
There is no single “print the whole site” button, and that is deliberate: it would be well over a hundred pages, and almost none of it is what any one lesson needs. Printing this page gives you two sheets and nothing else — the rubric and the blank certificate.
What you may do with it
Worksheets, builds, templates and tools
CC BY-NC-SA 4.0
Copy them, hand them out, put them in a lesson, translate them, cut them up and rebuild them for your group. Credit the book, do not sell them, and keep whatever you make from them open under the same terms.
The 19 Reality Checks and the safety text
CC BY-NC-ND 4.0 — no derivatives
Copy them and hand them out freely. Do not edit them. This is the one restriction on the whole site and it is not about credit: an altered safety warning circulating with a thirteen-year-old's name on it is the only thing this project could produce that would genuinely hurt somebody. If a check is wrong for your group, print it as it is and say so out loud in the room.
The book itself is all rights reserved. Full terms on the terms page.
How the material is shaped
Every chapter is the same five parts: one principle, five steps, one build that fits in a lesson or an evening, a Reality Check, and three debrief questions. That regularity is the useful bit for planning — 15 chapters, 19 builds, 19 Reality Checks, 75 action steps and 45 debrief questions, all in the same shape. Fifteen of the builds sit one per chapter; the other four are the opening build, the two plans and the afterword.
The green/yellow/red rule on printed page 61 runs through all of it, and it is the thing most worth putting on a wall: green is go, yellow is check in with an adult first, red is stop — an adult must be involved. The version written for students is one page and prints cleanly.
The flag on each build is this site applying that printed rule, not a mark printed beside the build in the book. If you disagree with one of the nineteen, the printed rule wins — please tell us, the mailbox is in the footer.
A rubric, if you need to mark it
Six criteria, and every one of them is assessed from something the student already has: a canvas, a folder, a tick, a flag, an answer. Nothing extra has to be made for the marking.
Two levels are written out. The third is “nothing to look at yet”, which needs no words. They describe the work, not the student, on purpose — the book's whole argument is that proof is a fact about what exists, not a rank handed to a person.
Use your browser's print command — File, then Print. You get the rubric and the blank certificate, and nothing else from this page.
Teen & Grow Rich — rubricStudent Class Date
Problem clarity
Can they say who it is for, and what was wrong before they started?
Look atYour First Offer Canvas
The fields WHO I HELP, THE PROBLEM and THE RESULT. Book page 58.
It existsAll three fields are filled in, in their own words.
And something changed because of itThe person named is one specific group rather than “everyone”, and the result is something you could photograph.
Notes
Skill practice
Did they practise a skill, or read about one?
Look atThe 19 builds
Each build is one short piece of work with something at the end of it — twenty minutes to an evening. Mark from the printed folder index, not from the ticks on a screen: ticks are kept in one browser and a school laptop clears them at sign-out.
It existsAt least one build is finished and the thing it asked for exists.
And something changed because of itThe same skill turns up in two builds, and the later one is visibly better than the earlier one.
Notes
Evidence
Is there proof, or a description of proof?
Look atThe REAL RICH RECEIPTS folder index
Build 01 is starting the physical folder. The printable index is the cover sheet that goes in the front of it.
It existsThe folder exists and has a line per build naming what is inside it.
And something changed because of itThe folder holds the thing itself — a file, a page, a printout, a message somebody sent back — not a plan to make it.
Notes
Acting on feedback
Did they ask a real person, and then change something because of the answer?
Look atThe 30-Day Tiny LaunchThe 90-day path
Both plans build the asking in: “Ask ten people about the problem”, “Finish and ask for honest feedback”.
It existsThey asked somebody outside the room, and can say what that person actually said.
And something changed because of itTwo versions are in the folder, and they can point at the line that changed and name who caused it.
Notes
Safety decisions
Do they know which of their own decisions needed an adult — and did they get one?
Look atThe green, yellow, red ruleThe 19 Reality Checks
Plus the STOP RULES and SAFE CONTACT ROUTE fields on the First Offer Canvas. The rule is printed on book page 61; the flag on each build is this site applying it.
Green · goYellow · check in with an adult firstRed · an adult must be involved
It existsThey can say which colour their build was, and why it was that one.
And something changed because of itA yellow or red decision genuinely waited for an adult, and they can name the adult and roughly when. Being able to name one thing they decided not to do counts double here.
Notes
Reflection
Can they say what did not work, without being asked to sound positive about it?
Look atAll fifteen chapters
Three debrief questions at the end of every chapter, 45 in all.
It existsThe questions are answered in their own words rather than the book's.
And something changed because of itOne answer names something that failed, and a later build shows they did something about it.
Notes
Teen & Grow Rich by Ryan Rijvers. The criteria are ordinary classroom ones; the sheets, folders and flags they point at are all free at teen-andgrowrich.com. Copy this rubric, change it, use it — CC BY-NC-SA 4.0. The 19 Reality Checks are the one thing on the site that may be copied but not altered.
The certificate this site will not issue
There is no automatic certificate here and there will not be. A website telling a thirteen-year-old their work was good is a badge with a longer name, and this book argues against exactly that.
The site confers nothing. A teacher in the room does.
So the sheet below prints blank, identically, for everybody. You fill it in, you sign it, and it means something because you saw the work — which is the only reason a certificate has ever meant anything.
Use your browser's print command — File, then Print.
Certificate
Teen & Grow Rich — work seen, and signed for
Name Class or group
Builds finished of 19From to
- What they made
- What is in the folder
- The one thing I would point at
Signed Role
School, club or group Date
Nothing on this sheet was filled in, checked, counted or recorded by teen-andgrowrich.com. It printed blank, and it is worth exactly as much as the person who signed it. Teen & Grow Rich by Ryan Rijvers.