Financial education built for the decisions that shape a lifetime.
The BAG Index equips students with the knowledge, confidence, and practical experience needed to make informed financial decisions — from their first bank account and first paycheck to credit, investing, taxes, insurance, entrepreneurship, NIL opportunities, and adult independence.
Curriculum assignments, lesson counts, assessments, and mastery requirements may be customized for participating institutions.
Revenue is tracking +12.4% YoY, driven by enterprise renewals across the Northeast. EBITDA expansion of 180 bps reflects gross margin discipline. Cash conversion lags plan by 6 days — recommend tightening DSO in Atlantic region within 30 days.
Financial opportunity often arrives before financial preparedness.
Students make decisions about bank accounts, credit, employment income, taxes, contracts, and NIL compensation earlier than ever. Traditional education teaches terminology; The BAG Index measures whether students can apply it.
Learn
Short, focused lessons make complex financial topics understandable and relevant.
Apply
Quizzes, scenarios, simulations, and decision-based activities reinforce practical application.
Measure
Financial IQ, progress, readiness signals, and institutional dashboards reveal what students understand.
More than a curriculum. A complete financial readiness platform.
Micro-learning, assessments and mastery, Student Financial IQ, Bag Bucks incentives, a simulated educational portfolio, student dashboards, institutional dashboards, and white-label configuration — all in one integrated learning environment.
- Micro-Learning
- Assessments
- Financial IQ
- Bag Bucks
- Simulated Portfolio
- Student Dashboard
- Institution Dashboard
- White-Label
Revenue is tracking +12.4% YoY, driven by enterprise renewals across the Northeast. EBITDA expansion of 180 bps reflects gross margin discipline. Cash conversion lags plan by 6 days — recommend tightening DSO in Atlantic region within 30 days.
Nine interconnected modules. One financial education journey.
Financial Fundamentals
Needs vs wants, goal setting, budgeting, cash flow, saving, financial habits and tradeoffs.
Banking & Money Management
Checking, savings, debit, direct deposit, payment apps, fraud prevention, choosing a bank.
Credit & Debt
Credit reports, credit scores, credit cards, student loans, debt management, identity theft.
Investing & Wealth Building
Compound growth, risk & return, stocks, bonds, ETFs, diversification, digital assets, scams.
Insurance & Risk Management
Health, auto, renters, life, disability — deductibles, premiums, beneficiaries, risk assessment.
Taxes & Income Planning
Gross vs net pay, W-2 vs 1099, withholding, estimated taxes, irregular-income planning.
Name, Image & Likeness
Contracts, compensation, taxes, agents, brand development, compliance, long-term planning.
Legal Basics & Consumer Protection
Contracts, leases, consumer rights, intellectual property, scams, when to seek advice.
Adult Transitions & Financial Independence
First job, benefits, renting, vehicles, retirement plans, entrepreneurship, personal systems.
A five-step journey from knowledge to readiness.
A learning experience students can see, use, and own.
Illustrative platform data. Student Financial IQ is an educational measurement — not a credit score, lending metric, or consumer report.
Visibility for the people responsible for student success.
Illustrative platform data. Institutional views may include filters by school, district, grade, team, cohort, program, instructor, module, completion status, and date range. Exports to PDF, CSV, and Excel.
Completion tells you who finished. Readiness reveals what they understand.
Readiness signals are educational tools to support instruction and student development. They are not credit decisions, underwriting determinations, employment assessments, investment recommendations, or substitutes for licensed legal, tax, accounting, insurance, or financial advice.
Built for students, families, institutions, and partners.
Students don't just learn definitions. They practice decisions.
You received your first paycheck. How much should you save?
A credit card offers rewards but charges a high interest rate. What should you evaluate?
You received NIL compensation as contractor income. What should you plan for?
You are comparing two apartment leases. Which terms matter most?
An online message promises guaranteed investment returns. What are the warning signs?
Your simulated portfolio declines during a market downturn. What should you consider?
Representative examples — not the full proprietary curriculum.
Flexible enough for a classroom. Scalable enough for an entire institution.
The goal is not simply course completion. It is better financial decision-making.
- Core financial concepts
- Taxes, insurance, credit
- Investing & contracts
- NIL financial responsibilities
- Comfort discussing money
- Evaluating financial choices
- Knowing when to seek advice
- Budgeting & saving habits
- Awareness of tradeoffs
- Caution around debt & scams
- Employment income
- Independent living
- College & NIL
- Entrepreneurship
- Working with professionals
Illustrative platform outcomes. Verified impact metrics will be published as participating institutions complete cohorts.
Allan Bell. CPA. CFO. Founder.
Allan Bell is a CPA, financial executive, entrepreneur, and the founder of The BAG Index. He earned his MBA from Northwestern University's Kellogg School of Management and his accounting degree from Butler University, and brings more than 30 years of finance and operating experience — including more than two decades in corporate CFO leadership.
"Financial education should do more than explain money. It should help young people recognize opportunity, understand consequences, ask better questions, and make decisions that support the life they want to build."— Allan Bell, Founder
Sponsor financial readiness for the next generation.
Fund student cohorts, schools, districts, athletic programs, modules, scholarships, and community education initiatives. Sponsor recognition available on cohort branding, welcome messages, module acknowledgments, certificates, and impact summaries.