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Yes — Vine is free and teaches kids aged 7 to 18+ how money and investing work. It has 107 lessons across 11 sections, and every one of them can be read in full on the web without making an account. Kids practise with simulated money and real market prices, so nothing is ever at risk.

No. Vine never touches real money. Children get a practice balance and buy shares at real, live market prices, so the numbers move the way the real market moves — but no money goes in, none comes out, and there is nothing to lose. Vine cannot make trades on anyone's behalf.

Earlier than most people expect — Vine starts at 7. The early lessons are not about the stock market at all; they cover needs versus wants, where money comes from, saving and waiting. Investing concepts arrive once those are solid. Vine writes every lesson in three versions, for roughly 7-9, 10-12 and 13-17, so a seven-year-old and a sixteen-year-old get the same idea told differently.

Free, with nothing held back today. All 107 lessons, the practice portfolio and the whole app are available at no cost, and the public lesson library needs no account at all. There is no advertising inside the app and nothing is sold to children. Vine may charge for something later, but no feature is locked behind a payment right now.

Vine is built for it, and here is the honest limit. Under-13 accounts require a parent or guardian's email address before the app opens, the app carries no advertising and no third-party tracking, and a parent can delete the account and its data at any time. We also email that address a one-time confirmation link and record whether it was opened, so a confirmed consent can be told apart from one that was only asserted. The limit: clicking a link proves someone reads that mailbox, not that they are the child's parent.

107 lessons covering how money works before they cover markets: earning, saving, budgeting, needs versus wants, then compound interest, inflation, what a share is, why prices move, diversification, risk, index funds, taxes and how to read a business. Growth figures use 7% a year — the long-run US stock market average after inflation — so every number shown is in today's money rather than a flattering one.