Incent is a financial literacy tool. The solution allows parents to give their children a debit card but puts control on the child's spending. The tool gives parents the ability to reward children for working hard and doing chores. Parents setup chores and tasks for children in the software and assign a dollar value to them. The children then perform the chores and the money is automatically put into their account at the financial institution. Children can also take out small loans from their parents, start a small business, purchase products online, and earn rewards for making sound financial decisions.