San Jose, California, United States

(408) 472-7462



Are you a parent or school district concerned about the financial future of your children or students?

 Saving a $100,000 by age 30* solves the following problems that many students in the Bay area face.

*Only 1 out of 6 millennials have saved $100,000

1 Picking a good College and minimizing college debt

2 Having fun and saving money while living in the Bay area

3 How to buy a home in the Bay area with an average income.

I am a financial planner with more than 18 years of experience.    

I have written a book about money for students.

I believe I can teach ANY student to be an expert with their money by saving $100,000 by age 30. 

Why be an expert, with your money?

Being an expert with your money frees you from thinking or worrying about it.

Being an expert with your money means learning how to have what you want and still save enough money to have a comfortable future. 

Being an expert with your money is both an art and a science. 

When you are an expert with your money, and you understand the science, you can enjoy the art of spending  your money any way you want.

Students save $100,000 by spending and investing their own money in a new type of reality-based game that I created.

I am looking for 50 students to play this educational class and game, to prove my theory. 

I believe I can make the greatest difference with unmotivated  C or below Students. In the San Francisco bay area, the  bottom 80% of college graduates would also greatly benefit from taking  this course.

To find out more please fill in the form at the bottom.

I'm also exploring the idea of teaching this class through a school district. 

I have a CTE teaching credential. If you represent a school district please click here to make an appointment to find out more.

Below are some of the financial challenges that students learn different solutions to in the class-game.

PROBLEM - The middle class is disappearing in the Bay area and many other similar cities where high paid jobs are. The cost of living here is so high that the bottom 90% of  college graduates won't be able to save any money before they realize it's too expensive and move out of the area.

SOLUTION - Teach your students to save $100,000 by age 30.

Saving $100,000 by age 30 will put them on track for a middle-class lifestyle and a good retirement income, even if they only have an average job.

 PROBLEM - ONLY 1 out of 6 millenials have saved $100,000. 

CHALLENGES to saving  $100,000 by age 30.

Student Debt, Bay Area prices, low financial skills for expensive purchases like a  car, a college education or a house.

CURRENT SOLUTION - Financial literacy classes

Studies show that financial literacy classes only moderately raise credit scores.


Teaches smart spending and planning in the form of a reality based game.

Reality means that students spend their own money and discover high value spending (smart spending) for themselves.  There are no tests only spending behavior. 

After the game, students  continue  to improve their smart spending skills to age 30 with webinars that are based on real world financial problems that are based on real clients. 

There are advanced versions of the game for college or working adults that are available and included in the price.


Many people feel will pay more to buy a certain product. 

Is that smart spending?  It depends. 

Smart Spending is the ability to pay the least and get the most value, like buying something on sale, but with a lot more thought put into it. The same Smart Spending ability can be used to buy clothes, a phone, a car, a college education or a house.


100by30 PLAN

The game begins with setting lifestyle goals and career goals.

Career goals are getting a low cost college education and getting a high paying job.

Lifestyle goals are buying a car and/or a condo, traveling to Europe, and other entertainment goals.

GAME PLAY  - Real time  and Future time

The game is played in both real time and future time.

In real time it is played by improving smart spending using their own money. 

In Future Time is played  in the class from age 18-30 with the student attempting to accomplish their goals. The teacher adds in unexpected events, and the students learn from their mistakes.

The game can then be played again in high school, during college or when they are out of college.    



The average cost to raise a child to age 17, not including college, is $230,000. 

7% or about $16,000 is for non school expenses like tutoring, music lessons, camp, travel, sports equipment and similar character building experiences.

In the 1980s, I was part owner of company called The France Experience (it is no longer in business) that offered educational trips to France for high school students. 

I think that educational travel experiences have the following major benefits.

1 Seeing other cultures and learning more about the world.

2 The benefit of practicing speaking a language in real life situations.

3 The long term benefit of learning to be independent and taking care of yourself.

You can see some examples of these educational travel benefits in a 5 minute video that shows testimonials from the France Experience travel video  here

What is the LIFETIME VALUE for having your child save $100,000 by age 30 ?

The lifetime value of actually saving $100,000 by age 30, is similar to point number 3 above. It helps a young person become independent and get a good start in life.

If they lack motivation or are struggling in school, this class can be a pathway to success in life.

Many students are good in certain subjects, but don't discover their career until many years later.  

When your child becomes an expert with their money,  they will have an ability that very few of their peers have.  They will then have the confidence  to learn what they lack to succeed in life.


Why I created this game + James Chandler Bio


 As a financial planner and the father of 2 young adults, I see many young clients in the bay area struggle financially. 

Helping clients invest their money is much easier, than teaching clients a new way of spending their money.  

The 100by30 game lets clients learn smart spending by tracking their real spending and constantly improving it, in a similar way that people use weight loss apps to become more aware of what they eat, which helps them lose weight.

James Chandler Bio

2001 to present 

Financial Planner 

See my full resume here at Linked-In


Co-Owner of Educational Student Travel company


Parent or School District Next Steps


A parent or school district employee can play a short version of the class-game that lasts several weeks, for free to test it out and see how it works.  

The adult version does not focus on investing, but on improving smart spending.  Depending on your age, smart spending, can make it possible to retire earlier than your current plan. 

PLEASE FILL OUT THE FEEDBACK and application form below, to HELP ME IMPROVE 100by30.  Any feedback you can give me would be greatly appreciated. It will only take 2 minutes.

If you are a parent or school district and would like to find out more about the class-game, please fill in the form below or call me at 408-472-7462.

I plan to teach the first class in the fall of 2019. 

I am limiting this class to 50 students.  The first class will be at a location and online.

When I worked at American Express and Ameriprise a financial plan cost $850. I believe that this class-game is worth more than that for 12 years of  class time and consulting. The cost will be on a sliding scale.


NEXT STEPS - REQUEST 30 Minute Meeting

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san jose ca

(408) 472-7462


Monday - Friday: 9am - 5pm Saturday: By appointment Sunday: Closed