Money and Kids
Money and Kids
Raising Confident, Money-Smart Kids — One Conversation at a Time
Raise Kids Who Feel Confident With Money — Not Afraid of It
You’re already doing more than you think. Here’s how to build on it with simple conversations, family habits, and age-appropriate tools.
Teaching kids about money doesn’t have to be complicated — or perfect. In fact, the best
lessons come from the small, everyday moments.
The Unseen Curriculum
Your children are learning about money from you, whether you realize it or not. You don’t need to be perfect. You just need to be intentional.
What Kids Hear and Feel
It’s not just what you say — it’s how you say it. Silent stress can feel louder than words.
Age-by-Age Mini Guide
Toddlers (2–4)
- Role play with pretend stores and toy coins
- Say out loud what you’re doing at checkout
- Start naming needs vs. wants
Kids (5–9)
- Use jars labeled ‘Spend’, ‘Save’, and ‘Give’
- Offer a small allowance
- Let them earn from age-appropriate tasks
Tweens and Teens (10+)
- Set up youth debit cards or digital money apps
- Involve them in budget planning
- Discuss subscriptions, savings, and digital safety
What to Say (And Not Say)
| Instead of Saying... | Try Saying... |
|---|---|
|
We can’t afford that |
That’s not a priority for us right now |
|
Money doesn’t grow on trees |
Let’s talk about how we decide what to
spend on |
|
Don’t ask me about money |
Good question — let’s figure it out together |
|
We’re broke |
We’re being mindful with money this week |
Teach Confidence, Not Scarcity
Money is a tool. When kids feel informed, they grow up feeling capable.
Your Own Money Healing Matters
You don’t need to be ‘healed’ to help your kids. But you do need to be kind to yourself.
Breaking the Shame Cycle
You are not behind. You are a parent doing the best you can. When you model reflection without shame, kids learn it’s safe to grow.
Make It a Family Practice
Money conversations don’t have to be heavy. A monthly ‘money moment’ can build lasting habits.
Want a Simple Way to Start?
Download the Age-by-Age Money Talk Guide
Explore Our Family Budgeting Tools That Include Kids
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Frequently Asked Questions
Start as soon as they’re curious — even toddlers can learn simple ideas.
Even €1/week can teach valuable lessons.
You can! But also talk about contributing as part of the family
Then you’re the perfect person to model learning and grace.
Yes. Keep it honest, simple, and values-aligned.
Try Revolut Junior, bunq Teen, or GoHenry.