Kids learn about money long before they start earning it. From watching you pay for groceries to handling their first allowance, every stage shapes how they think about saving, spending, and sharing. Teaching financial basics early doesn’t mean lecturing them—it’s about using daily experiences to build good habits. Here’s a simple age-by-age roadmap to help your child grow into a confident, responsible money manager.

By age 5: Understanding what money means

At this stage, kids are just learning that money is exchanged for things. Start with small, tangible lessons. Show them coins and notes and explain that each has a different value. Let them hand over cash at a store or count change—it builds comfort and curiosity. Introduce saving jars for short-term goals like buying a toy. Label one

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