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Published: February 24, 2023

You can teach kids of ANY age about finances (here's how)

Do you know when kids start forming attitudes and ideas about money?

It may be earlier than you think.

It’s around the age of 3.1

Believe it or not, that’s NOT too early to start doing some basic finance activities with young children or grandchildren.

In fact, age 3 can be an ideal time to begin talking to children about concepts like buying versus saving. And teaching them what it means to save now so they can buy a more valuable item they want later.

For example, turning saving into a game is a great money activity to do with kids from the ages of about 3 to 5.1

After that, there’s almost no limit to the money activities you can do with kids as they get older.

From about 6 to 12, building a savings account can open up young minds to the world of finance.1

With teens, consider covering budgets, basic bills, or even building credit with limited-use prepaid credit cards.1

As children enter and move through adulthood, lessons can focus on almost any aspect of financial wellness, from student loans and mortgages to retirement savings, business ventures, and investments.

The point?

It’s never too early (or too late) to pass along your financial knowledge to the children in your life.

And no matter how you choose to do it, opening the conversation in the right way can make all the difference.

Want to read more about how to share your money wisdom with kids of almost any age? Click here to check out the rest.

P.S. What’s your first memory of having, earning, or spending money? What stands out the most about that today — would you do anything differently? Hit “comment” and share your experience with me. I’d love to hear about your experiences and how they’ve shaped your attitudes and ideas about money.


  1. https://www.consumerfinance.gov/consumer-tools/educator-tools/youth-financial-education/learn/financial-habits-norms/

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