The Hinricher Family Program

Healthy, Wealthy & Wise

A weekly finance curriculum for Max & Harper

Max
Max Lot Scout · 14
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Harper
Harper Creative · 11
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Module 1
Max
Max
Age 14 · Lot Scout & Analyst Track
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Already proficient on the Oak Avenue Zillow polygon data work. Track is built around going deeper: weekly lot reviews, structured deal pitches, and learning to think like a homebuilder. Capstone: Year-in-Review of his top 5 picks, with the goal of leading lot acquisition for one Sunworth submarket next year.
Harper
Harper
Age 11 · Creative Track
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Canva fluency, AI-native, learns by making. Builds infographics, brand decks, runs a real micro-business. Capstone: launch a business with brand, pricing, P&L, and pitch it.
Year-End Capstones

December — Family Showcase

Each kid presents the year's capstone to the family. Max presents his Lot Scout Year-in-Review — top 5 picks, what happened, what he learned, and a forward plan to lead acquisition in a real submarket. Harper presents her launched mini-business: brand deck, pricing, P&L, what she'd do differently.

The Three Tools Every Kid Maintains

  • Money Map. A one-page net worth snapshot, updated monthly. They watch it move.
  • Decision Journal. Every meaningful money decision written down before it's made: what, why, expected outcome, what would prove me wrong. Reviewed quarterly.
  • Question List. Anything they don't understand goes here. Answered next session. The list itself is the asset.

Weekly Session Format (~45 min)

  • 0–5 min — Portfolio & Lot Scout check-in. What did the money do, what lots came across this week.
  • 5–20 min — Concept of the week. Taught using a real family example wherever possible.
  • 20–35 min — Differentiated work. Max reviews his pitched lots with Dad, Harper does her creative task.
  • 35–45 min — Show & tell. Each presents last week's work. Other asks one good question.

Your Data

Progress, notes, and Lot Scout entries are saved in this browser. Export occasionally as a backup or to move to another device.

Max's Real Job

Lot Scout — Sunworth Acquisition Pipeline

A standing weekly assignment alongside the curriculum modules. Max scouts undervalued and acquisition-target lots from the Oak Avenue Zillow polygon work, pitches them using the Deal Pitch Template, and tracks outcomes. Real role, real comp, real learning.

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For Max — Real Estate & Acquisition

  • The Millionaire Real Estate Investor · Gary Keller — fundamentals, written accessibly.
  • Crushing It in Apartments and Commercial Real Estate · Brian Murray — for when ready to step beyond residential.
  • BiggerPockets Real Estate Podcast — searchable archive on every niche.
  • Aswath Damodaran on YouTube — when ready for real valuation methodology.

For Max — Investing & Business

  • The Psychology of Money · Morgan Housel — short chapters, real wisdom.
  • The Most Important Thing · Howard Marks — the cleanest book on risk.
  • One Up On Wall Street · Peter Lynch — written for a kid who's curious about stocks.
  • Acquired podcast — deep-dives on great companies.

For Harper

  • How to Turn $100 into $1,000,000 · James McKenna — written for tweens, surprisingly good.
  • The Lemonade War · Jacqueline Davies — fiction that's secretly a business primer.
  • How I Built This (NPR) — entrepreneur stories.

Tools & Accounts

  • Custodial brokerage for each kid (already in place).
  • Custodial Roth IRA — open the moment either has earned income.
  • HYSA at a real bank, with their name on it.
  • Google Sheets — net worth tracker + decision journal per kid.
  • Canva for Harper. Claude / AI for both.

Real money, real stakes, real proportion

  • Each kid gets a small discretionary pool ($500–$1,000) carved out of existing accounts or added fresh.
  • Every trade, purchase, or allocation requires a written pitch first — even a paragraph.
  • Wins stay with them. Losses stay with them. No bailouts. The loss is where the lesson lives.
  • Real proportion matters: $500 to a 14-year-old feels like real money. That's the point.

Things we don't do

  • No options, no margin, no leverage. Not until they're adults and can lose their own money.
  • No day trading. We're building investors, not gamblers.
  • No "hot tip" investing — every position must have a written thesis.
  • No bailing out a bad decision. The loss is the lesson.

The single biggest predictor of success

  • Whether Dad shows up consistently. Not whether the curriculum is perfect.
  • Skipped weeks are fine. Quitting after three sessions is not.
  • When in doubt, default to the real thing happening in the family that week — Family Dollar, Sunworth, an art acquisition, a portfolio rebalance. Those are the curriculum.