A no-prep, print-and-go Year 13 / sixth-form money workbook with a complete answer key. Students explore risk and return, diversification and long time horizons, model compound growth, and compare ways to save for retirement (workplace auto-enrolment, State Pension, personal pensions). The workbook includes a knowledge organiser, three differentiated tiers with nine questions each, a Greater-Depth challenge, a “Two Ways to Grow Money” task. Risk and return are framed evenhandedly; cryptocurrency appears only as a risk-awareness item; all companies are fictional and all figures are examples. This resource is for education only and is not financial advice. Aligns to AQA Core Maths (Level 3 Mathematical Studies, 1350) and supports the PSHE Association Programme of Study (KS5).