Toddlers (Ages 2–4)

Introduce Coins and Counting

Start by playing with real or plastic coins. Count together and sort them by size or color to build familiarity.

Use a Toy Cash Register

Encourage pretend play using a toy register and groceries. This teaches basic exchange and the idea of buying.

Early Childhood (Ages 5–7)

Introduce an Allowance

Give a small weekly allowance and let kids decide how to spend or save. This builds responsibility early on.

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Middle Childhood (Ages 8–11)

Open a Savings Account

Take them to the bank to open a joint savings account. Let them deposit birthday or allowance money.

Play Educational Money Games

Use games like Monopoly Junior or financial apps to build math and money confidence.

Teens (Ages 12+)

Introduce Budgeting

Help teens set a monthly budget and track expenses for things like snacks, outings, or school supplies.

Encourage Earning

Support part-time jobs, tutoring, or selling crafts online. Teach them how to save and plan for bigger goals.

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Final Thoughts

Financial education should start young and grow with your child. By using fun tools and age-appropriate lessons, you’re giving them the skills to succeed for life. Start small, keep it consistent, and watch them thrive!