Debt Free Millionaire is a family of learning programs where students pick a career, earn a paycheck, dodge debt, invest their first $100, and study real personal finance — with parents watching progress in a real gradebook.
Every program is built around the same idea: financial decisions feel different when they are yours. Members get all four.
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Life Simulation Game
Live a whole financial life: pick from 21 careers, walk your own 3D workplace, earn every dollar, and retire debt free.
Play the game
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Learning Academy
DFM 101 — a complete 50-lesson course on budgeting, credit, debt, and wealth habits, with real exams and parent-graded writing.
Start the course
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Learning Academy
AI 101 — practical AI literacy: what it is, how it works, and how to stay the one holding the steering wheel.
Start the course
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Investing Simulator
Turn $100 into $1,000,000 — trade stocks, bonds, gold, crypto and real estate against simulated markets or live, real-world prices.
Start investingBoth memberships unlock the game, the academies, and Debt Free Investor. The difference is what else comes with it.
The full Xogos membership: Debt Free Millionaire plus the entire Xogos library of educational games, Xogos coins, parental controls, screen-time limits, and the parent gradebook.
For adults, and for students who just want this platform: full access to the game, both academies, and Debt Free Investor — nothing else attached.
Each course has a real, printed textbook. Buy one and your membership is covered for 60 months — the book pays for the platform. Prefer to learn through story? The teachings come as a novel, too.
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The complete companion to DFM 101: budgeting, credit, debt, insurance, taxes, and the habits that build wealth.
Includes 60 months of Debt Free Millionaire membership
Buy the book
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The companion to AI 101: what AI is, how to use it well, and how to stay the one holding the steering wheel.
Includes 60 months of Debt Free Millionaire membership
Buy the book
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The teachings as a life actually lived: follow Caleb from his first paycheck to real wealth, one principled choice at a time.
The story companion — read it like fiction, keep it like a manual
🕒 Coming soon
Journals, reflections, and activities flow into the Xogos parent gradebook. You see the work, you score the work — the platform handles the rest.
Exams are marked on our servers, answer keys never reach the browser, and grades can't be forged from a console. The learning is real because the scoring is real.
Every program returns to one lesson: the path with a paid apprenticeship and no loans can beat the six-figure-debt path. Students discover that themselves — by living both.