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Young children

Children ages 3 to 5 are usually too young to understand abstract financial concepts. Still, they are building a foundation that can serve them well in the future.

Does your young child focus and keep going, even on hard tasks?

At this age, persistence is one of the money milestones that you can watch for, and help your child reach. 

See more about the skills, habits, and attitudes your child is working on in early childhood

Money ideas to talk about and try out with your child


Say: You need money to buy things, and you earn money by working. 


Say: You may have to wait and save up money before you can buy something you want.


Say: For major events—and for everyday activities—you need to think ahead about what you will need.


Say: Every time you spend money, you make a choice. There’s a difference between things you need and things you want.

Money skills while you read together

Explore Money as You Grow Bookshelf

Money as You Grow Bookshelf is a reading program that helps you weave money skills into the time you may already spend reading to your kids at home, in a way they’ll understand. Designed for ages 4 – 10.

Download the Money Monsters reading guide

The Money Monsters are a group of creatures who are new to our universe. That means they are learning about many important things like school, friendship, and financial literacy.

These Money Monster stories introduce children to ideas, habits, and activities that they'll need as they grow up and start to manage their own money.