Want to break generational cycles? Teach your kids about money early. It’s one of the most powerful gifts you can give.

Age-by-Age Tips

• Ages 3–7: Play “store,” talk about needs vs. wants
• Ages 8–12: Give allowance for chores, introduce savings goals
• Teens: Open a student checking account, talk about credit and budgeting

Fun Ways to Teach

• Use jars or apps for “spend, save, give”
• Play financial literacy games
• Let them “manage” a portion of the grocery budget

👨‍👩‍👧 Empowered kids become financially free adults.