SOFTWARE APPLICATIONS FOR FINANCIAL EDUCATION

1 . A computer system for providing a financial education, comprising:

one or more processors; and

non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, causes the computer system to generate:

a financial account module programmed to provide a first user and a second user access to a financial account, wherein the first user is associated with a first user credential, wherein the second user is associated with a second login credential, wherein the first user has a restricted level of access to the financial account, and wherein the second user has an unrestricted level of access to the financial account;

an education module programmed to provide educational material related to finances, the education module tailoring the educational material based upon a level of sophistication of the first user, wherein the level of sophistication is set by the second user or is determined based on an attribute of the first user; and

a communication module programmed to facilitate communication between the first user and the second user relating to the finances of the first user.

2 . The computer system of claim 1 , wherein the education module is further programmed to select the educational material based upon a profile for the first user, wherein the profile includes an age, a gender, and a location for the first user.

3 . The computer system of claim 1 , wherein the education module is further programmed to modify the educational material as the level of sophistication of the first user changes.

4 . The computer system of claim 1 , wherein the communication module is programmed to allow the first user to request permission from the second user relating to a purchase by the first user.

5 . The computer system of claim 1 , wherein the financial account module is programmed to allow the first user to transfer money to and from the financial account.

6 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, causes the computer system to generate a control module programmed to allow the second user to control aspects of the finances for the first user.

7 . The computer system of claim 6 , wherein the control module is further programmed to allow the second user to control use of a debit card of the first user.

8 . The computer system of claim 6 , wherein the control module is further programmed to allow the second user to approve or deny a purchase by the first user.

9 . The computer system of claim 1 , comprising further instructions which, when executed by the one or more processors, causes the computer system to generate:

a gamification module programmed to provide one or more games to facilitate the financial education;

a goals module programmed to allow the first user a financial goal, wherein the goals module tracks the financial goal; and

a reminder module programmed to provide a reminder to the first user for an event or task; and

a profile module programmed to capture information associated with the first user, the information including one or more of: bibliographic information; school information; and work information.

10 . The computer system of claim 9 ,

wherein the communication module is further programmed to share graphics indicating a positive or negative message to the second user;

wherein the communication module is further programmed to communicate an offer or acceptance of a work opportunity or gift for the second user;

wherein the communication module is further programmed to send or receive money by the second user;

wherein the goals module is further programmed to provide a virtual piggy bank for storage of funds by the second user;

wherein the profile module is further programmed to track interests of the second user;

wherein the profile module is further programmed to develop a resume for the second user;

wherein the control module is further programmed to track a location of computing device of the second user;

wherein the control module is further programmed to control functionality of the computing device of the second user; and

wherein the control module is further programmed to securely store and share documents associated with the second user.

11 . A computer-implemented method for providing a financial education, the method comprising:

providing, by a computing device, a first user and a second user access to a financial account, wherein the first user is associated with a first user credential, wherein the second user is associated with a second login credential, wherein the first user has a restricted level of access to the financial account, and wherein the second user has an unrestricted level of access to the financial account;

providing educational material related to finances, the education module tailoring the educational material based upon a level of sophistication of the first user, wherein the level of sophistication is set by the second user or is determined based on an attribute of the first user; and

facilitating communication between the first user and the second user relating to the finances of the first user.

12 . The method of claim 11 , further comprising selecting the educational material based upon a profile for the first user, wherein the profile includes an age, a gender, and a location for the first user.

13 . The method of claim 11 , further comprising modifying the educational material as the level of sophistication of the first user changes.

14 . The method of claim 11 , further comprising allowing the first user to request permission from the second user relating to a purchase by the first user.

15 . The method of claim 11 , further comprising allowing the first user to transfer money to and from the financial account.

16 . The method of claim 11 , further comprising allowing, by the computing device, the second user to control aspects of the finances for the first user.

17 . The method of claim 16 , further comprising allowing the second user to control use of a debit card of the first user.

18 . The method of claim 16 , further comprising allowing the second user to approve or deny a purchase by the first user.

19 . The method of claim 11 , further comprising:

allowing, by the computing device, the first user to create a financial goal; and

tracking, by the computing device, the financial goal.

20 . The method of claim 11 , further comprising capturing, by the computing device, information associated with the first user, the information including one or more of: bibliographic information; school information; and work information.