About Learning By Earning
Based in Massachusetts, we create hands-on financial literacy and entrepreneurship curriculum for upper elementary classrooms. We believe kids learn best when they can put real-world money habits directly into practice.
Our mission
Traditional textbooks often leave young learners disconnected from how money actually works in daily life. Our mission is to transform economic education into an engaging journey where students earn, save, budget, and plan, making responsible financial decisions through an interactive classroom economy.
Experiential learning first
Financial independence starts with foundational habits. Instead of memorizing definitions, students take on classroom jobs, balance personal budgets, open savings accounts, and launch mini-ventures. This active participation builds lasting financial confidence, critical thinking, and collaborative problem-solving.
Rooted in the classroom
Designed specifically for educators teaching upper elementary grades, our resources seamlessly integrate into existing lesson schedules. We equip teachers with everything they need to facilitate meaningful financial discussions, nurture entrepreneurial spirits, and inspire the next generation of savvy decision-makers.
Meet the founders
Learning By Earning was founded by two passionate educators who share a vision for making learning meaningful, engaging, and connected to the real world. Combining experience in education, curriculum design, and financial services, we created a hands-on approach to help students build essential life skills and financial confidence.
Ryan Chapman
Co-founder & Chief Executive Officer
Ryan is an experienced financial services professional with over 14 years of experience at a Fortune 500 company and is currently a 4th grade teacher. She earned her undergraduate degree from Babson College before transitioning into education and earning her Master’s in Elementary Education from Salem State University. She brings a strong background in mentoring, coaching, leadership development, and simplifying complex concepts, with a passion for inspiring young learners and creating engaging, meaningful learning experiences.
Liam Doherty
Co-founder & Chief Curriculum Officer
Liam is an instructional leader and educator with experience across elementary, middle, and high school settings. After earning his undergraduate degree from Canisius College and master's from Boston College, he taught high school and eighth-grade social studies before earning his doctorate from Northeastern University. He later transitioned into educational leadership in Belmont, where he focuses on translating research into meaningful classroom practice, fostering student engagement and agency, and creating collaborative cultures where educators can learn and grow.