How We Started

  Growing up, I could see the stress in my parents’ lives going from paycheck to paycheck, credit card on top of credit card, and hour after hour at work. Instead of putting time into every problem my siblings brought up, they needed time to just relax from all the stresses of the world. This on top of every little stress that comes with parenting three kids, is nearly impossible to deal with all at once. As a result, the small problems often got overlooked and eventually became bigger problems. Not only did I realize the effects of debt with my family, but this is the reality of millions working day after day to even make it by the multi-trillion dollar credit industry. Due to the lack of early financial education in America, it results in generations of debt. Along with financial illiteracy, the US is seeing the highest rates of declining family structure, as divorce rates have risen to 49.6% of families in the US. All this has caused a big problem, and now there is a fix.

Chewie Bank is a automated physical/digital co-parenting that sets up a family structure and establishes early financial ethics through an isolated mini economy. It works by centering its value around a currency called Chewie Dollars that is rewarded based on good works that can be exchanged for money or certain household privileges. However, this currency can also be taken away based on preset rules made by parents. If a rule is broken, kids can report it to the system and see immediate action. It the issue goes unresolved, then it will go to the parents. Every time a child breaks a rule, it takes away from their balance, and if they go into too much debt they'll experience certain levels of grounding. With this automized system, it reduces the need of parents to stress of every little fight and structure of creates structure with having a way to earn money from chores and behaving well without parents even having to ask.

However, this system is set apart from anything else that schools would ever teach as it gives a hands on experience about the real world. With this hard-earned currency, kids can explore the dangers of gambling, poor spending habits, and credit with real consequences like grounding within this mini-house economy. On the other hand, you can also experience investing this currency into stocks, bonds, and savings in a very simplified way, which engrains financial learning curves at a young age. All this is automated through a physical ATM at home, where they can store their currency with a digital app to track their online balances and submit forms to verify chores, submit reports, and many other services. In addition, parents receive daily insights on their children’s behavior and instantly reward them for good works around the house with a click of a button.

Kids also benefit through this structure in many ways that weren't previously possible. With structure in place, they finally have a voice that leads to immediate action by reporting it based on rules set by parents ahead of time to the system. It takes away the whining, yelling, or fighting just because a parent is too stressed to deal with it. Chewie Bank also rewards the spur of creativity, motivation, and bonding of children by rewarding them on holiday-themed arts and crafts, physical achievements, and family activities. Through the digital system, kids are incentivized to learn new things and submit forms that verify chores, physical achievements, and violation reports. Parents can breathe easier, children can be heard and rewarded, and the family grows closer through it all.

Chewie Bank isn’t just another financial tool, its a solution to the foundation of parenting, financial education, family unity, and personal growth from the ground up. Instead of traditional methods of big textbooks, basic parenting tools, or throwing a debit card at a kid, this simplified hands-on approach covers all the main sectors of personal finance with controlled consequences tied to a family structure. This hands on learning style engrains habits to stay away from gambling, credit, and poor spending habits that plague millions with crippling debt, overworking, and broken homes because of it. With structure laid out clearly for families through its digital and physical system, it promotes personal growth and moral structure. This gives children a voice, automating discipline, and encouraging self-motivation through consistent rewards and consequences. Chewie Bank isn’t just helping families get by—it’s helping them grow stronger, smarter, and closer. It’s a new standard for modern parenting and a powerful stand against the broken cycles of generational debt due to lack of this early structure and financial education. This system is a revolutionary mark against the multi-trillion dollar credit industry and reshaping moral and financial ethics in American households forever.