The Lessons Start Earlier Than You Think
Children form money habits by age seven. As parents of faith, we can teach that money is a tool for purpose, not a measure of worth.
Age 3 to 5: Three Jars
Use jars labeled Give, Save, and Spend. This teaches money has multiple purposes before they can even count properly.
Age 6 to 10: Earning and Choices
Let them make purchasing decisions with their own money, including bad ones. A toy that breaks in two days teaches more than any lecture.
Age 11 to 14: Compound Growth
Open a custodial investment account. Show them: $50/month from age 12 to 18 becomes over $5,000. Invested until 65, that becomes over $150,000.
Age 15 to 18: Real-World Money
Help them open a checking account, learn budgeting, and understand credit scores.
The Faith Connection
Teach stewardship alongside strategy. Money is entrusted to us to manage wisely and multiply for our families.
Download the Family Money Meeting Kit for conversations that work at any age.