THE FLYWHEEL

A SYSTEM DESIGNED TO TEACH BY DOING

The Money Club.Org is more than a summer program. It is a small, transparent system designed to show young people how money moves, how incentives work, and how ideas hold up in the real world.

The model is simple:

Families fund the program.
University of Toronto student mentors are paid to lead it.
Students use AI, design thinking, and financial literacy to build and test real ideas.
Open-book financials make the whole system visible.

This creates a local flywheel:

kids learn how value works
mentors gain meaningful paid experience
families support a transparent community model
the program improves through real feedback and demand

If we can make that flywheel work, we are not just running a program. We are proving a model.

Who Actually Runs the Program

Student Leadership, Real Responsibility

The Money Club.Org includes student leadership because learning how a system works is easier when young people help operate it.

Sarah D. and Alex G. support day-to-day coordination, outreach, and program logistics within a clear structure and under adult supervision.

This is intentional. They are not running the program alone. They are learning by taking on real responsibility inside a supervised system with clear accountability.

That mirrors the broader philosophy of The Money Club.Org: young people build capability by doing real work, with guidance, structure, and support.

Who Your Child Will Be Learning From

University of Toronto Student Mentors

At the center of the program is a cohort of paid University of Toronto students.

They are selected for their ability to guide students through research, product thinking, AI tools, and real-world problem-solving.

communicate clearly
think practically
work across business, technology, and problem-solving

These mentors:

lead workshops and small group sessions
help students build products, services, and simple apps
guide the use of AI tools for research and creation
help students test ideas, refine decisions, and improve what they build

They are close enough in age to be relatable—and experienced enough to guide students with structure and confidence.

Who Designed the Program?

The Program Architect

The Money Club.Org was designed and is overseen by Jared Goldberg — a product strategist, systems designer, and educator with 15+ years building and operating real-world business platforms.

Jared has worked across Walmart, Loblaw, and Canadian Tire, and spent over a decade inside China-based manufacturing ecosystems, where cost, quality, incentives, and execution collide in real time. His work sits at the intersection of economics, incentives, design thinking, and human behavior.

This program reflects how organizations actually function—constraints, trade-offs, and accountability—not how they’re described in textbooks.

OUR MISSION

A LETTER FROM THE EXECUTIVE DIRECTOR

At The Money Club.Org, we believe young people are capable of far more than most institutions ask of them.

They do not need more slogans.
They need tools.

Tools to understand how money moves.
How systems behave.
How incentives shape outcomes.
How local problems become permanent when no one learns how to map them clearly enough to improve them.

That is the work we are building toward.

The Money Club.Org began with a simple observation: many of the problems communities live with are not caused by a lack of care. They are caused by a lack of design.

Good intentions are common.
Clear feedback loops are rare.

Our view is that young people should not simply inherit these systems. They should learn how to read them, question them, and improve them.

That is why The Money Club.Org is being built not just as a program, but as a platform.

In its early form, that means a summer program where students learn financial literacy, design thinking, AI, and communication by building, testing, pricing, and improving real ideas.

But the larger vision goes further.

Over time, we hope to grow The Money Club.Org into a community-rooted charitable platform that helps young people identify local problems, investigate root causes, and build practical projects that deserve real support.

Not charity as performance.
Not theory without application.

A working platform where young people learn to identify friction, understand incentives, test ideas, and build solutions with real-world consequences.

We want students to ask better questions:

Where is value leaking out of a neighborhood?
What problems are being tolerated because no one has mapped them clearly?
What would happen if local talent, local knowledge, and local effort were better coordinated?
What if education moved beyond awareness into design, testing, and action?

These are not abstract exercises.
They are the beginning of civic and economic participation.

We also want to be direct about where we are now.

The Money Club.Org is a nonprofit startup. We are building it in public, refining it as we go, and trying to do that with as much honesty as possible.

That means listening carefully, adjusting the model, and being transparent about what it takes to make the program run.

We believe competence compounds.
Confidence compounds.
Dignity compounds.

And when young people are trusted with real responsibility, communities become more resilient.

Thank you for taking an interest in The Money Club.Org. We are building something ambitious, practical, and deeply local. We hope you will follow the work, support the mission, and help expand what young people in this city believe is possible.

Jared Goldberg

Executive Director

The Money Club.Org

SUMMER 2026 - UTSU STUDENT COMMONS

WHAT IT WILL TAKE TO RUN

The Money Club.Org is operating as a lean nonprofit startup.

To run this summer, we need to secure enough paid parent participation to cover the core costs of the program — especially space, University of Toronto student mentor wages, insurance, and project materials.

Our total launch goal is $61,000.

Founder Jared Goldberg is personally contributing $15,000 toward that goal.

Kickstarter $61,000 Goal

Goal Date: June 1st.

Funded $15,000

Funded $15,000 24.6%
Remaining $46,000 75.4%

To make the program viable, we need to secure roughly $60,000 in parent participation by June 1, which works out to some mix of: 60 four-week registrations, or 120 two-week sprints

If we hit the threshold, the program runs.

If we do not, the program does not launch this summer and we keep building.

We share this openly because transparency is part of the model. The goal is not to maximize profit. The goal is to build something useful, fair, educationally meaningful, and genuinely rooted in the community.