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Decision Challenges / Personal financial literacy

Money decisions
become adventures.

Students handle financial choices inside interactive situations. Teachers see what they did and read the thinking behind their decisions.

Create Teacher AccountSee How It Works

Choose “Make an account” on the teacher access page.
School or district? Request a walkthrough →

A role to step intoBOW / Actual product capture
The Stall Is Yours: a market stall with stock, customers, a cash tin, and commitments to manage.
The Stall Is Yours · Actual development capture. Fictional game characters.

The classroom experience

Their choices. Their explanations.

An experience that gives students room to act and teachers something meaningful to discuss.

  1. Choose a challenge

    Preview the available experiences and select one that fits your students, the financial idea, and the lesson you have taught.

  2. Students make decisions

    Students join the class, step into a situation, weigh competing needs, and explain what mattered to them.

  3. Review the reasoning

    Read the record of decisions alongside students’ explanations. Use the evidence to guide discussion and your own judgment.

The Stall Is YoursBOW / Actual product capture
A practice run in The Stall Is Yours, showing the stall as choices change the day’s trading.
Actual development capture · Fictional practice run. Game values are illustrative, not a recommended financial strategy.

Inside the student experience

A small stall.
Plenty to think about.

You’re looking after a neighbor’s corner stall. There is stock to manage, money to keep track of, and people with competing needs.

Students decide how to use limited resources, see the situation respond, and account for their choices. The learning lives in the tradeoffs they notice and the reasons they give.

Financial ideas
Spending, planning, obligations, and opportunity cost.
What comes back
A record of actions and the student’s own explanations.

The teacher experience

See the thinking
behind the result.

Two students can reach a similar outcome for very different reasons. Decision Challenges preserves what they did and what they wrote, so you can examine the difference.

Ask for a teacher-view walkthrough
  1. 01
    The decisions

    Review the actions recorded during the student’s run.

  2. 02
    The explanation

    Read the student’s own account of the choices they made.

  3. 03
    Your professional judgment

    You evaluate the reasoning. An outcome, a quick finish, or missing evidence does not establish financial mastery.

A practical place to begin

Made for learning.
Chosen by the teacher.

Our development focus is K–8 personal financial literacy, with New York State financial-education objectives as an initial foundation.

Choose for the students in front of you. The K–8 direction does not mean every grade or topic has a released challenge. Preview current content, reading demands, and objective fit before assigning.

Devices & access
A current browser and an internet connection. Students join using class access codes; they are not asked for an email address.
Teacher preparation
Create an adult account, preview the challenge, and plan instruction and discussion around it.
Standards & grade fit
Review the current catalog and objectives for your grade. Discuss local curriculum requirements in a walkthrough.
School authorization
Confirm school approval before entering student information. Read data protection →

Before your first class

A few useful answers.

Can I create a teacher account directly?

Yes. Open the teacher access page and choose “Make an account.” You do not need to submit a sales inquiry first. Keep the recovery code issued by the app in a safe place.

Is Founding Access time limited?

Founding Access has no scheduled expiration within its agreed scope. Existing complimentary commitments remain in place. Check your account’s agreed scope and discuss any additional institutional needs with BOW.

How do students join?

Teachers set up the class in the application. Students use the class code and their own sign-in code. Follow the app’s current setup instructions and your school’s authorization requirements.

Does the game grade students automatically?

Teachers read and judge the explanations alongside the actual record. BOW does not machine-score written reasoning or treat game results as an automatic mastery score.

What is happening with District 26?

After an October 19, 2026 professional-learning presentation, interested Queens District 26 educators began implementation work with BOW. This is educator interest and early work, not a claim of district-wide deployment, endorsement, a paid agreement, or measured learning gains.

For individual teachers

Your next lesson starts with a decision.

Create a Decision Challenges teacher account. Choose “Make an account” on the teacher access page.

Create Teacher Account