HOUSE MONEY

Books for Kids, Teens, and Young Adults

Three books about money and homes, written for the three ages that need them most. Free for now, because first editions get better when people read them and tell me what they think.

I'm Rychen Jones. I've been a residential real estate agent in Salt Lake City for nine years, and before that I spent twelve years as a financial advisor. I kept meeting adults at the closing table who were learning how a mortgage works for the first time, with a pen in their hand. These books exist so that doesn't happen to the next generation. Pick the one that fits, tell me where to send it, and I'll email you the link.

Get a book
The series

Same five characters. Three ages. One blueprint.

House Money for Kids: First Moves
Ages 9 to 12

House Money for Kids

First Moves

Needs and wants, earning, saving, why things cost what they cost, the kinds of homes, what a home costs every month, borrowing and keeping promises, and the people who make homes happen. It starts with Monopoly and ends with a kid's own Big Plan.

  • 12 short chapters a parent can read aloud in ten minutes
  • Clean diagrams, no cartoons
  • An activity page for every chapter, with a Talk About It question and a space for grown-up notes
68 pages. Fillable PDF. Prints cleanly. Paperback on Amazon
House Money for Teens: The Blueprint
Ages 13 to 17

House Money for Teens

The Blueprint

The full course. Economics, credit, loans, renting vs. owning, property types, finding value, contracts, inspections, appraisals, title, insurance, closing day, building wealth, selling, careers, and how to get started with nothing but hustle.

  • 21 modules in five sections, each with a House Money Mission
  • A quiz and a worksheet for every module, plus an answer key
  • Built for homeschool families and anyone teaching a teenager how money really works
141 pages. Fillable PDF. Prints cleanly. Paperback on Amazon
House Money for Young Adults: The Field Guide
Ages 18 to 25

House Money for Young Adults

The Field Guide

For the first-time buyer. Your credit, your real budget, where the down payment comes from, how rates are actually set, loan types, choosing a lender, hiring an agent, the contract, closing, your first year, what to do if things go wrong, and what to expect when you sell.

  • 20 modules in the order the process actually happens
  • A fillable toolkit for every module: checklists, comparison sheets, interview questions, a net sheet
  • Explains every loan feature without telling you which to pick
137 pages. Fillable PDF. Prints cleanly. Paperback on Amazon

All three books follow the same five Trailblazers from age 9 to 25, so a kid who starts with the first one grows up alongside them. The PDFs are free. If you want paper, each one is on Amazon at print cost, about $7.

Get the books

Tell me where to send them

Pick one, two, or all three. I'll email you the links. That's all I'll do with your address unless you tell me otherwise.

Kids ages 9 to 12
Teens ages 13 to 17
Young Adults ages 18 to 25

In the form below, type the ones you want in the "Which books?" box.

Name
Which Books?*

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Questions people ask

Is it really free?
Yes. These are first editions, and I want them read and argued with. If you find something wrong, confusing, or missing, reply to the email and tell me. That's the price.
Can I print it?
Yes. The worksheets and activity pages are meant to be printed. Print as many copies as your family or classroom needs. On a computer or tablet, the blanks are fillable and you can save your work.
Can I share it?
Please do, by sending people to this page. That way I can see how many copies are out there and get fixes to everyone when I make them.
Which book should we start with?
Go by the reader, not the age on the cover. A strong 12-year-old reader can handle Teens. A 19-year-old who has never thought about money might want to start with Teens before Young Adults. The books don't repeat each other, so reading two in a row works.
Can I get a paper copy?
Yes. All three are on Amazon as 8.5 by 11 paperbacks, priced at what it costs to print them, about $7 each. I don't make anything on them. Kids, Teens, Young Adults.
Will you email me after?
One email with the links. That's it, unless you ask for more.
Does this replace a lender, an agent, or a tax person?
No. The books explain how things work so you can ask better questions. Real decisions about your own loan, contract, or taxes belong with a professional who knows your situation.
Rychen Jones
About the author

Rychen Jones

Rychen Jones is a residential real estate agent in Salt Lake City, Utah, and a residential and commercial real estate investor. Before real estate, he spent twelve years as a financial advisor.

He grew up playing Monopoly, and he still teaches his kids to play it today, by the official rules and with real strategy. He always wants the orange set. And no, you don't start with $500 in the middle of the board for whoever lands on Free Parking.

He hosts the House Money podcast, available on Spotify and Apple Podcasts.

Comcast RISE 2025 Recipient

House Money for Teens was selected as a 2025 Comcast RISE grant recipient.

HOUSE MONEY REAL ESTATE  ·  SALT LAKE CITY, UTAH