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Family Money checklist

16 steps to teach kids about money, age by age.

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Ages 3 to 7

Short and playful.

  • Learn coin names and values together Guide
  • Set up save, spend and share jars Guide
  • Start a wish list instead of buying on the spot Guide
  • Play store with real coins Guide

Ages 8 to 12

Regular practice.

  • Agree an allowance, a payday and what it covers Guide
  • Separate everyday chores from paid extra jobs Guide
  • Open a first savings account together Guide
  • Set a savings goal with a chart Guide

Teens

Real money, real stakes.

  • Read a pay stub together Guide
  • Set up a debit card with alerts Guide
  • Talk about credit before 18 Guide
  • Talk through common scams Guide

Family habits

All ages.

  • Explain one money choice out loud each week Guide
  • Hold a short monthly family money meeting Guide
  • Agree a plan for gift money Guide
  • Give your child the shopping list and a budget Guide