Why We Start with Culture and Behavior
Most financial literacy programs teach what to do. At Cultivar, we start with why.
Why do we spend the way we do?
Why are some habits hard to break?
Why does money feel complicated—or out of reach?
The answer is rooted in our stories:
Family. Culture. Lived experience.
Cultivar builds financial confidence by starting there. With identity, behavior, and trust—not spreadsheets.
Why We Start with Culture and Behavior
Most financial literacy programs teach what to do. At Cultivar, we start with why.
Why do we spend the way we do?
Why are some habits hard to break?
Why does money feel complicated or out of reach?
The answer is rooted in our stories:
Family. Culture. Lived experience.
Cultivar builds financial confidence by starting there.
With identity, behavior, and trust—not spreadsheets.
Why do we spend the way we do?
Why are some habits hard to break?
Why does money feel complicated or out of reach?
The answer is rooted in our stories:
Family. Culture. Lived experience.
Cultivar builds financial confidence by starting there. With identity, behavior, and trust—not spreadsheets.
Why do we spend the way we do?
Why are some habits hard to break?
Why does money feel complicated or out of reach?
The answer is rooted in our stories:
Family. Culture. Lived experience.
Cultivar builds financial confidence by starting there.
With identity, behavior, and trust—not spreadsheets.
What Makes Us Different
Financial learning that feels real, familiar, and grounded in people’s lives.
We teach money through the lens of real life, not just rules.
We teach money through the lens of real life, not just rules.
We ground financial lessons in actual stories, not abstract advice.
We ground financial lessons in actual stories, not abstract advice.
We build habits through culture, language, and trust - not shame.
We build habits through culture, language, and trust - not shame.
We meet families where they are, with tools that fit how they live.
We meet families where they are, with tools that fit how they live.
We build money confidence as a family, not in isolation.
We build money confidence as a family, not in isolation.
How It Works
Cultivar Kids is our flagship solution: a stories-based youth + family app grounded in behavioral science,
paired with real-life learning through camps,retreats, and Taco Tuesdays.
The App
The App
Short, story-based lessons that make
money make sense for kids and families.
Built with behavioral science
and cultural relevance.
Mobile-first. Parent and youth friendly.
Community Activations
Community Activations
We host family nights, summer camps, and Taco Tuesdays that turn financial conversations into everyday experiences.
Money becomes something you do together, not something you memorize.
The Creator Network
The Creator Network
Our community of young creators
(including our own kids) shares financial
tips, habits, and “real talk” on what
money looks like day-to-day.
It’s financial literacy that actually resonates.
"Money becomes conversation, not lecture."
We make money make sense in the context of who people are and where they come from.
Culture isn’t an add-on—it’s the foundation.
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Address
Address
Address
Address
How It Works
Cultivar Kids is our flagship solution: a stories-based youth + family app grounded in behavioral science, paired with real-life learning through camps, retreats, and Taco Tuesdays.
The App
Short, story-based lessons that make money make sense for kids and families.
Built with behavioral science and cultural relevance.
Mobile-first. Bilingual. Parent and youth friendly.
The App
Short, story-based lessons that make money make sense for kids and families.
Built with behavioral science and cultural relevance.
Mobile-first. Bilingual. Parent and youth friendly.
Community Activations
We host family nights, summer camps, and Taco Tuesdays that turn financial conversations into everyday experiences.
Money becomes something you do together, not something you memorize.
Community Activations
We host family nights, summer camps, and Taco Tuesdays that turn financial conversations into everyday experiences.
Money becomes something you do together, not something you memorize.
The Creator Network
Our community of young creators (including our own kids) shares financial tips, habits, and “real talk” on what money looks like day-to-day.
It’s financial literacy that actually resonates.
The Creator Network
Our community of young creators (including our own kids) shares financial tips, habits, and “real talk” on what money looks like day-to-day.
It’s financial literacy that actually resonates.