Build the machine.
Give the money a purpose. Learn how account options, contributions, fees, and time work together. Coordinate parents, grandparents, and anyone else who wants to contribute around a plan your family can keep.
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FOR PARENTS AND GRANDPARENTS OF CHILDREN 0-17
18-Year Advantage
Enroll now for the cohort starting January 19, 2027. Lessons and materials are being prepared and are not available yet.
Give your child a head start. Teach them how to use it.
A six week course for parents. Invest for your child, teach them money and life in everyday moments, and champion the future they choose. Grandparents and co parents build the plan with you.
Launch price: $399 through November 30, 2026, then $599 · One enrollment covers up to four adults · Full refund until January 19 plus 7 days after the first class
WHY NOW
There's a new account for your kid. Almost nobody knows what to do with it.
The 530A account (the "Trump account") is a new federal investment account for children. Most parents have heard of it. Very few know how it works, who can contribute, or what to do with the money once it's there. Lesson 2 covers it, start to finish. The federal pilot contribution is $1,000 for eligible children; the $500 a month figure in Lesson 1 is our illustration of a family contribution, not government money.
But an account is the easy part. Money handed to a kid who was never taught to use it is a default, not an advantage. The advantage is a child who grows up watching the plan, practicing with real decisions, and taking the handoff ready. That is the other five weeks.
The money, and the judgment to use it.
Install the Map.
Bring the 4 Choices Framework into everyday family life. Practice money conversations. Use COMPASS+ for real family decisions. Post your family's first coordinates.
Design the handoff.
Build skills before transferring responsibility: watching, then participating, then practicing with real stakes, then owning it.
"This course does not care whether your child becomes a surgeon, a welder, a painter, or a farmer. It cares that they chose it, and that they could afford to." Coach DJ
A plan you build as you learn.
A six week cohort. Twelve short lessons, two a week, and one live Tuesday class with Coach DJ at 10 p.m. Eastern, recorded if you miss it. Saturday office hours for all students. Family conversations and worksheets put each lesson to work at home.
Lessons 1 to 2 · Week 1 Your family’s starting point
Topics: The Two Versions of Your Child; Where the $500 Comes From.
Describe your family’s Perfect Ordinary Tuesday, explore compounding with your own starting numbers, and record your first coordinates on the 4 Choices Map.
You leave with: Your numbers and your first coordinates.
Lessons 3 to 4 · Week 2 A purpose and a plan for the money
Topics: The Mission, the Village, and the Compass; Run the Decision, Build the Machine.
Choose the purpose: Launch, Runway, or Education. Use COMPASS+ to compare account options, coordinate the people contributing, and write rules for the months when money is tight.
You leave with: A contribution plan or dated readiness plan, plus a family contribution ledger.
Lessons 5 to 6 · Week 3 Everyday money habits
Topics: The Script and the Conversation; Allowance, Screens, and the Curriculum Only You Can Teach.
Explore the money messages your child hears at home. Set up Future, Give, and Life jars, choose an allowance approach, recognize marketing tactics, and practice a calm money conversation.
You leave with: Your family money practice.
Lessons 7 to 8 · Week 4 A child who can make decisions
Topics: Retire the Question, Install the Dashboard; Grades, People, and the Decision Budget.
Ask how your child wants to live. Use the Perfect Ordinary Tuesday interview, the Kid Dashboard, and age appropriate decisions to help them practice judgment.
You leave with: A design conversation in your child’s words and a real decision for them to own.
Lessons 9 to 10 · Week 5 Education and the world of work
Topics: The World They’re Inheriting; The Education Decision.
Explore AI, work, and ways to build income. Compare education and training paths using costs, borrowing, likely earning power, and the life your child wants.
You leave with: A next path decision or a practical exploration to test it.
Lessons 11 to 12 · Week 6 The handoff
Topics: The Ladder, the Match, and the Dinner; The Handoff.
Build a gradual handoff of responsibility. Plan the First Dollar Match, a Freedom Number Dinner, a Legacy Letter, and your annual Map Day review.
You leave with: A written handoff plan and your first Map Day on the calendar.
Completion means six finished outputs. If funding an account needs to wait, a dated readiness plan counts. You can build the habits and the family plan now.
FOR EVERY WEALTH DECODED STUDENT
Saturday office hours with Coach DJ
Every course includes Saturday office hours for 90 days (at your leisure courses: from purchase; cohort courses: from the cohort start date). After 90 days, office hours continue for as long as you are a member of the Wealth Decoded Community.
Every Saturday at 12 noon Eastern (11 Central · 10 Mountain · 9 Pacific), live and recorded. Bring your questions. Share your Map. Get help with your course, your life design, and your 4 Choices. COMPASS+ is taught every week, so you keep getting better at the decisions that matter. One hour every Saturday, with a second hour added when attendance calls for it. Questions sent by form are answered in the replay within a week.
Open to students in every course, and to members of the Wealth Decoded Community. Can't make it? Send your question by form and watch the answer in the replay.
Keep using it as your child grows
The course comes with the tools.
The Field Guide & Parental Handbook
The story and reasoning behind the course, alongside a reference manual for age by age conversations, decision tools, and family routines.
21 printable worksheets & tools
The Family Tuesday, Contribution Ledger, three jar meeting, Kid Dashboard, education decision, First Dollar Match agreement, Handoff Readiness Check, and more.
The Grandparent Legacy Kit
A ready to use Grandparent Letter, ideas for combining birthday and holiday gifts with contributions, and an annual family account review. Help grandparents support the parents’ plan and explain the meaning behind their gifts.
Eight bonus modules
Quick start, co parenting, questions for professionals, grandparents, a teen launch kit, existing account review, family AI practices, and Protect the Plan.
A system for the years after the course
A one page Installation Card, a Source Appendix, and the annual Map Day checklist: a 30 minute review of the plan, your family’s coordinates, and the next conversation.
30 days of the Wealth Decoded app, starting January 19, including the Family plan (not required; it makes the family's tracking easy on a phone or computer and in your web browser at WealthDecoded.app)
30 days of the Wealth Decoded Community, starting January 19, where parents compare notes and build each other up
Built on the 4 Choices Framework for life design, expenses, income, and investments; COMPASS+ for decisions; and the Map/GPS for tracking where you are and where you want to go.
Start with the child in front of you
There’s a path for your family.
Build the foundation
Focus on the contribution plan, family money language, and early habits. For a newborn, you begin with the adults’ plans and observations.
Practice together
Bring your child into the conversation. Use the Tuesday interview, the jars, and small real decisions to build judgment before the bigger choices arrive.
Prepare for the next step
Focus on education and training decisions, first earnings, and the handoff. The Teen Launch Kit includes a 90 day calendar.
One enrollment covers up to four adults raising the same child; add the others from inside the course.
COACH DJ · DJ Le Rouse
Founder of Wealth Decoded. Creator of the 4 Choices Framework.
30 years in business, finance, and technology. MBA. BS in Accountancy, Arizona State University. Built and ran an AI driven trading fund that grew to $1 billion in assets. Founded and advised companies for three decades. Parent of two Gen Z kids.
"Money is the fuel. The life is the point."
18-Year Advantage · January 2027 cohort
Starts Tuesday, January 19, 2027 · 10 p.m. Eastern · Six weeks
Launch price: $399 through Monday, November 30, 2026
Regular tuition $599
Included: 12 lessons · live Tuesday class · Saturday office hours · Field Guide · Parental Handbook · Grandparent Legacy Kit · 21 printable tools · eight bonus modules · 30 days of the Wealth Decoded Community and the app, starting January 19 (on your phone or computer and in your web browser at WealthDecoded.app) · up to four adults on one enrollment
Enrollment 18-Year AdvantageGIFT OFFER, Two enrollments for $599
Take it yourself and give a full enrollment to new parents for the holidays. That's $299.50 each. One for you, one for them.
Give this course: two for $599Cohort courses: full refund until the published start date plus 7 days after the first live session.
How the gift works
- You pay $599 and receive two enrollments: one for you, one to give.
- The recipient must be a different household.
- Your gift codes and printable card arrive by email. Recipients redeem at wealthdecoded.com/redeem. Codes are valid one year. One enrollment covers up to four adults raising the same child.
- One enrollment covers up to four adults raising the same child; add the others from inside the course.
- Gift codes expire one year from purchase. Both enrollments carry the same refund policy: full refund until January 19, 2027, plus 7 days after the first live class.
Then join the community
Every Saturday at 12 p.m. Eastern, Coach DJ holds Office Hours: questions, Map Reviews, course help, and COMPASS+ every week. Your course includes 90 days of the live call and 30 days of the Wealth Decoded Community, which runs on Skool. Join the free tier today at skool.com/djlr-2520.
| What | Included with the course | After that |
|---|---|---|
| Lessons, Field Guide, The 4 Choices Story, recordings | For life | Not applicable |
| Cohort live sessions | The cohort period, with recordings for life | Not applicable |
| Course Coaching Add-On: one 60-minute strategy session with Coach DJ after you finish the course. $250 for students, $350 for everyone else. | ||
| Saturday Office Hours with Coach DJ (live Zoom call): 90 days, from purchase for watch-at-your-leisure courses or from the cohort start date for cohorts. | ||
| Wealth Decoded Community (replays, Map Reviews, Ask Coach DJ): 30 days, then Member or Student from $19 a month. | ||
| Wealth Decoded app: 30 days, then $9.99 a month, App for Life — $299 once. That's 30 months of the monthly price, then it's yours. No renewal, ever. Included with any paid Community plan. | ||
Before you start
Questions parents ask.
When do classes and office hours meet?
18-Year Advantage runs for six weeks with one live class per week: Tuesday at 10 p.m. Eastern, one hour, starting January 19, 2027. Missed classes can be watched as recordings. The optional Saturday office hour is separate and open to all Wealth Decoded students: 12 noon Eastern · 11 a.m. Central · 10 a.m. Mountain · 9 a.m. Pacific. Bring questions from your course for live Q&A with Coach DJ.
Is this for me or for my child?
The course is for the adults raising the child. You learn the tools and bring age appropriate conversations and activities home. The main focus is parents of younger children: preparing for their future, investing for them, teaching them, and championing their choices. Age specific tools also support families starting with older children and teenagers.
Do we have to invest $500 a month?
No. That amount is an illustration used in the course, not an entry requirement. Work with a contribution your family can sustain. If funding must wait, a dated readiness plan counts toward completion.
My child is already a teenager. Can we still use this?
Yes. The course includes a teen starting path, with emphasis on education decisions, first earnings, and preparing for the handoff. You start with your child’s current age and your family’s situation.
Can co parents or grandparents join?
One enrollment covers up to four adults raising the same child; add the others from inside the course.
How does the gift offer work?
Pay $599 total for two full enrollments: one so you can take the course yourself, and one to gift to new parents for the holidays. The gift offer is available only at $599. The $399 Launch price offer is for one enrollment and does not include a gift. See How the gift works for gift delivery and redemption details.
Do I need to purchase 4 Choices too?
No. 18-Year Advantage is complete on its own. 4 Choices for Gen Z is a separate course for young people ready to work on their own life design.
Will I need to share private family finances?
No account numbers, passwords, or private balances are needed in a group session. Use nicknames and keep your child’s reflections and dashboard private.
Does the course give personalized investment advice?
No. It teaches concepts and decision tools. Your family makes its own decisions and confirms current account, tax, and legal rules with official sources and qualified professionals. Any growth examples are hypothetical, not guaranteed results.
Do I need to know anything about investing?
No. Week 2 starts from zero and you leave with a plan, or a dated readiness plan if funding has to wait.
My child is a newborn. Is it too early?
It's the best time. You begin with the adults' plan and the account; the conversations come later, and the course tells you when.
My kids are 14 and 16. Still useful?
Yes. The 14-17 path focuses on education decisions, first earnings, and the handoff. For the 16 year old, pair it with 4 Choices.
We're co parenting across two homes.
One enrollment covers up to four adults raising the same child; add the others from inside the course.
Refunds, in plain words
Courses you watch at your leisure: 14 days from purchase, full refund, any reason. Watch as much as you like in those 14 days.
Cohort courses (Winter Break Sprint, 18-Year Advantage, Market First, Restart): full refund any time before the published start date, and for 7 days after the first live session. Miss the first session? The recording counts; the 7 days run from the session date.
One on one: full refund before your first session. None after.
Memberships (the Wealth Decoded Community, the app): cancel anytime; no partial month refunds.
Founding All-Access and App for Life: 14 days from purchase. Restart One-on-One deposit: refundable before your first session.
Email support@wealthdecoded.com. Refunds go back to the original payment method within 10 business days. Anyone who bought under an earlier policy keeps whichever terms are better for them.
Founding All-Access — $1,499 one-time
25 seats. Closes December 31, 2026. Every recorded edition for life, the community for life, the app for life. Cohorts and One-on-One sold separately.
25 seats total.
Explore Founding All-Access