Learn at your own pace · Cancel anytime · All ages welcome.
Why RCD Academy Exists:
RCD Smart Start Academy was created because—let’s be honest—they never wanted us to know this part. Nobody taught us how to build credit, manage money, or set ourselves up early in life. We had to learn the hard way.
So, I built a space that teaches what school never did. Real knowledge, real growth, and the truth they left out—because financial freedom should’ve been taught from the start.
I’m Robin Kinney — founder of RCD Smart Start Academy.
I built this program for people like us—the ones who were never taught how money and credit really work. I had to learn everything the hard way, without anyone breaking down the truth about credit, debt, or financial stability.
Now I teach what schools skipped—the real-life lessons that help you build, protect, and grow your finances.
This academy is my way of making sure the next generation—and this one—finally learns what we should’ve been taught a long time ago.
The $35 Knowledge Tier — For All Agestyles.
Because financial literacy has no age limit..
The $35 Knowledge Tier is for everybody — all ages, all backgrounds, all starting points.
So many adults were never taught credit, budgeting, or money management. These are things we should’ve learned growing up, but nobody broke them down.
This tier finally does. You’ll get the foundation to understand money and credit in a way that actually makes sense.
Adults, parents, anyone learning for the first time
Weekly lessons + community access
Homework & quizzes
Monthly Zoom calls
Real-life financial strategies
What You'll Learn:
How to read and understand your credit report
Budgeting 101 — making your money work
Debt, utilization & interest explained
Building and maintaining good credit
Protecting your financial identity
Setting realistic goals
The $100 Smart Start Academy — For Ages 18 & Above
Start strong, stay smart, and build your future early.
This tier is designed for my college students and young adults who are ready to take control of their finances early.
A lot of young people never had financial guidance—some even had parents who damaged their credit before they understood it. This program helps fix that.
You’ll learn how to build credit, manage money, and grow with hands-on mentorship and accountability.
Credit-building mentorship
Homework & assignments
Private community for young adults
Live Zoom sessions
Certificate of completion
What You'll Learn:
Establishing credit the right way
Handling student loans & bills
Budgeting for young adults
Recovering from damaged credit
Planning for financial freedom
No matter which tier you join, you’ll get full access to weekly lessons, homework and quizzes, live calls with Robin and her team, and a supportive 24/7 Skool community — all focused on teaching real-world financial literacy that actually makes sense.