The MSK Runway Series

From Pocket Money To Portfolio

18 years of money habits, built into everyday life — not another lesson

Taking your child from having limited money skills to being able to manage their own with skill and confidence at 18.

Each Runway meets your child where they are developmentally - broken into 12 Waypoints to work through at your own pace before moving to the next stage. Each Waypoint contains a vital piece of their money education not to be missed.

Not only the skills, the MSK Runway runs Two tracks run throughout.
Track 1 - The Education: Age appropriate knowledge, skills, conversations, built week by week.
Track 2 - The JISA: The Magic Money Tree growing quietly in the background. Learn to water it and watch it grow.

This is less about creating investors and more about dinner table conversations, practical activities, and a relationship with money that lasts a lifetime. Built by a primary school teacher and dad - because that's who your child needs guiding them, not a financial institution.

Want to know more?

What does each Waypoint look like?

Example - Runway 3 - Ages 11-13. Waypoint 4 ( The UK Tax System)

Information

Each Waypoint starts with an Information page explaining what the section is about . It explains your role as an adult and any links to the JISA. In MSK Runway 3 - Ages 11-13, this waypoint is looking at taxes.

Resources

The second part of each Waypoint is the Resources page giving you and your child what they need to understand the main idea. Occasionally, there are supplementary resources pages in the pack to help understand bigger ideas. In this unit the task is to work out taxes on real income (your could use your own, friends, family or choose a random job); VAT (which can be used on shopping trips throughout the 3 month period) and looks at how much taxes have been saved by using a JISA (for you to look at together).

The Flight Plan

The third page in each Waypoint is the Flight Plan. This acts as your guide through the material for the 3 month period so you know what order and when to do it. There are also discussion prompts that can be used anytime throughout the period, a section for consolidation (focusing on building the habit, not just the knowledge) and a checklist so you know when your child is ready to move on.

The FREE Pre-Flight Manuals

MSK Pre-Flight

Set up everything ready for the Runway

MSK Pre-Flight Check-In - Ages 0-2

Setting up the Environment and the Magic Tree - Setting up the JISA - Creating a calm environment - Modelling calm conversations about money

MSK Pre-Flight Boarding - Ages 3-4

First Jars, First Earning Jobs, First Saving Goals. - Hands-on learning begins - Coin recognition - Shop play - Two jars - No lessons, no pressure. Just the right experiences at the right time

The MSK Runway - The age by age guide to raising financially capable adults

Find your child's age - That's the Runway for you

£24.99 each. That's less than a £1 a month for your child's financial education.
Bundle - All 5 for £89.99.
Full money back guarantee if you are unsatisfied within 14 days.

  • £24.99

MSK Runway 1 - Ages 5-7

  • Download
  • 1 file

Money Awareness and First Habits - 12 Waypoints : including, how money actually works, the four jars, needs vs wants, first earning jobs, spotting adverts, budgeting basics. Covering 3 years to ensure the knowledge and skills in embedded. Paced for a busy family. - The JISA introduced as 'The Magic Tree' - set up and running quietly in the background. - Progress tracker, story pages, printable activities

  • £24.99

MSK Runway 2 - Ages 8 - 10

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  • 1 file

Real Earning, Investing Basics and Markets -12 Waypoints; including, compound interest, what a business is, the stock market, risk and reward, tax basics, reading financial news, debt. - The Kids Pie ; their first real, considered portfolio - Builds directly on Runway 1's foundations or as a standalone start point.

  • £24.99

MSK Runway 3 - Ages 11 - 13

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  • 1 file

Portfolios, Independent Thinking and Real Financial Decisions - 12 Waypoints: portfolio construction, evaluating a company, investor psychology, UK tax (CGT/ISA), ethical investing, property, fin-fluencers, pensions, multiple income - JISA moves from passive to active — child starts leading reviews Preparing for JISA management at 16

  • £24.99

MSK Runway 4 - Ages 14 - 16

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  • 1 file

First Income, Real Independence and Preparing for 18 - 12 Waypoints: financial identity, LISA and tax planning, university finance, credit, renting, insurance, side income, mortgages, spending psychology, salary negotiation -JISA fully managed by the young person from 16 -Ends with a written, signed plan for age 18

  • £24.99

MSK Runway 5 - Ages 17-18

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  • 1 file

Portfolio Handover and Life After the JISA - 12 Waypoints: JISA handover, portfolio management, ISA transfers, LISA, credit and debt, first rent, insurance, car ownership, salary and employment, pension, the plan post-18 - The JISA converts to an adult ISA — full access, fully theirs The final handover: everything the Runway has been building toward

  • £89.99

MSK Runway 1-5 Bundle - Ages 5 - 18

  • Bundle
  • 5 Items

The Complete MSK Runway: Ages 5–18 - All 5 Runways, 60 Waypoints: from first coins and the 4 Jars to credit, mortgages and a signed plan for 18 - Two tracks side by side: the money education, plus the JISA growing from day one - Ends with a full portfolio handover at 18 *£89.99 instead of £124.95, saving nearly £35*

FAQ section

Frequently asked questions

Still deciding? Here's what other parents usually ask before buying

What's the difference between the free Roadmap and the paid Runway?

The Roadmap is the what and when — a short reference plan showing you the milestones for each age. The Runway is the how — the full worksheets, activities and step-by-step teaching that actually walk you and your child through each one. Think of the Roadmap as the map, and the Runway as the route

How long does each Runway module take?

Each Waypoint is short by design — three pages covering the idea, the resources, and how to use them — but it's meant to live with you for around three months, because the goal is to embed a habit, not get through content. With twelve Waypoints per Runway, that maps naturally onto the age range it covers, so there's never a backlog building up behind you. Depending on the Waypoint, that might mean a short story at bedtime, a set of conversation cards, or a real-life moment — questioning an advert together, setting up a "wishes" folder on your phone, working through a payslip, or talking through investment options. Used this way, it's happening all the time and none of the time: no lesson to schedule, just ordinary moments — teatime, bedtime, the school run, an ad break — that are already part of your week.

Do I need to sit with my child while they do it?

It's built to pull back, not stay constant. In the younger Runways, you're leading — a story, an activity, a conversation you start. As they move through the Runways, your role shifts from leading to oversight and advice, because teenagers push back against being taught at and respond far better to independence — that's not a guess, it's what I've seen working with teenagers outside a classroom setting. Several activities in the older Runways are designed to be done with friends rather than a parent, because that's often where it actually lands. That said, every family's different: if your child prefers to work through it alone, or you'd rather stay hands-on the whole way through, it works that way too — it's not one-size-fits-all, because no family is. One exception to all of that: the Runways do open the door to real investing fairly early, and anything involving actual money — checking the balance in their JISA, for example — is always the parent's to handle. Your child observes and learns from it; they're not the one logging in or making the decisions. And I'm always reachable if a question comes up along the way.

What if my child loses interest half-way through?

That's normal, and less of a risk here than it would be with a course, because the habits themselves keep running even when the "lesson" part doesn't feel exciting — doing an earning job around the house, splitting money into jars, a general awareness of cost when you're out shopping together. Those carry on in the background regardless of whether your child seems engaged in the moment, and it's that repetition, not enthusiasm, that actually builds the habit. It's also designed to grow with your child rather than stay static: just as the teenage years hit, and attention naturally drifts elsewhere, activities that bring friends in start to appear — timed deliberately, because that's when peer involvement does the most to hold engagement. There's no deadline either way — you've bought it once, and it's yours to come back to whenever it clicks.

Is this better than a pocket money app like GoHenry or Nimbl?

It's not really a competitor — it's what those apps don't do. They're good for tracking pocket money day to day, but the learning stays inside the app, on a screen, in the child's hands alone. The Runway works the other way: it turns money into something the whole family talks about regularly and openly, in daily life — a jar on the kitchen side, a conversation at the till, a question over tea — not a login. No app can replicate that, because it isn't something an app does, it's something a family does together. In fact, Runway 2 actively suggests introducing something like GoHenry alongside it, for even broader money education — this isn't an either/or, it's designed to work with an app, not instead of one.

On price, it's worth looking at properly rather than just as a number: £24.99 covers a full Runway across roughly three years — worked out monthly, that's under £1 a month. GoHenry's cheapest plan alone runs £3.99 a month, which adds up to well over £140 across the same three years.

What's a Junior ISA, and do I need one already to start?

No — nothing here requires you to have one set up. A Junior ISA (JISA) is simply a tax-free savings or investment account for your child that they can't access until 18. I should be upfront about something here: I'm not financially regulated, and I don't pretend to be — I'm not in a position to recommend specific products or go deep into investment advice, and I won't. What I am able to do is raise awareness and educate, and that's really the whole point of the Runway. The focus throughout is understanding — giving your child (and often you) the grounding to manage a JISA, an inheritance, a trust fund, or simply their own salary once they're older, rather than pointing you toward any particular product or provider. You won't be lost if you've never opened a JISA; you'll come away understanding what one is and how it fits into the bigger picture, which is what actually holds up over a lifetime, long after any one account or product is gone.

What if it's not right for my child — can I get a refund?

Yes — email me within 14 days and I'll refund you, no questions asked.

Is 3 months a long time for a Waypoint?

This time frame is done deliberately. It is based around educational and cognitive research that has repeatedly shown that when children learn something they forget up to 70% of the information the next day. If the learning is not repeated up to 90% of the original information can be lost within a week.
That's why this system gives it 3 months. Time to learn to skills, time to apply it. Time to go over it again in real life scenarios. Time for the skill or knowledge to go from something they once learned and forgot to become a habit they use regularly. My aim is not for you to sit with your child, complete a task and be proud they can do it on the day. The aim is to make a long term change in your child's memory so that the learning sticks and the habit lasts a lifetime. That's why 3 months.

Laurence Matthew

About me

Teacher. Dad. investor. Still figuring it out.

I'm Laurence - a primary school teacher, a dad and someone who has made his own money mistakes.

I've been a buy-to-let landlord for a decade, a teacher for even longer, and invest personally. I'm not a financial advisor - I'm someone that learnt the hard way that building wealth takes a plan, not just good intentions.

I built the MSK Runway because the resource I needed as a parent didn't exist . There's no financial institution behind this. Just a teacher who knows how children learn, and a dad who knows how families actually work.

I'm not financially regulated, and I don't pretend to be — I'm not in a position to recommend specific products or go deep into investment advice, and I won't. What I am able to do is raise awareness and educate, and that's really the whole point of the Runway.

This is what I use at my own kitchen table, now it's ready for yours.