Mother reading Book One to children with a blurred background

You want to raise a child who handles money with wisdom and generosity.

You just were not sure you had the right tools to get there.

Most families want to teach their kids about money. But when it comes time to actually sit down and do it, the resources are either too complicated, too shallow, or missing the faith foundation entirely.

And a lot of parents carry something else into the room: the awareness that they were never really taught this either. That mix of wanting to do it right and not knowing how is exactly where Kids Cash Academy started.

Woman with long brown hair wearing a dark sweater standing in a park-like setting.

My name is Jen Barney.

I am a wife, homeschooling mother of four with a background in accounting, and the founder of Kids Cash Academy. I lead a homeschool community in Arizona and I have spent years inside both the numbers and the families.

Money was complicated in my home growing up. It was not something we talked about with wisdom or intention. I did not want that for my kids. When I started homeschooling, I went looking for a complete, faith-based financial literacy curriculum built for elementary children. Something that would go beyond worksheets and actually form the way my kids think about earning, saving, giving, and stewardship.

I could not find it. So I built it.

The Heart of a Steward is the curriculum I wish I had been handed as a child, and the one I am now using with my own kids at home.


What We believe

Money is a discipleship issue. It is not just a life skill or a math concept. The way a child learns to think about money shapes the way they think about generosity, contentment, work, and what they are here to do.

We believe parents are the primary teachers. We believe Biblical stewardship belongs in childhood, not just adulthood. And we believe that with the right tools, any family can have these conversations well.

Children studying with books, money, and a magnifying glass on a wooden table.

What makes The Heart of a Steward different

A complete, multi-year curriculum designed to grow alongside your child from first grade through fifth.

This is not a workbook. It is not a one-time course.

Every unit builds on the last. Every lesson is rooted in Biblical stewardship and built for real life in a homeschool home. And because it was written by a mom who actually teaches it to her own four children, it is designed the way real families actually work.


- Five complete units covering coins and bills, saving and spending, earning, charitable giving, and budgeting and entrepreneurship
- Conversation-based and hands-on, never worksheet heavy
- Open and go with zero prep
- Written by a homeschooling mother of four with a BS in accounting and years of experience in finance.

Child writing in a notebook with a pencil on a wooden surface

You belong at this table.

Kids Cash Academy is built for the family that wants to do this right. Whether you are a homeschooling parent, a classroom teacher, or a grandparent who wants to leave a financial legacy for the grandkids, there is a seat for you here.

We are glad you found us.