Financial Literacy for Kids, Inc.

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Financial Literacy for Kids, Inc. Empowering families by providing vital tools necessary to create a more secure financial future.

When you set up money jars with your kid, one move decides whether the whole thing works.Do not assign the percentages. ...
09/16/2026

When you set up money jars with your kid, one move decides whether the whole thing works.

Do not assign the percentages. Let them pick.

Sit down and ask: out of every ten dollars, how much goes to GIVE, how much to SAVE, how much to SPEND?

Some kids land near one, four, and five. Some load up savings because they want that bike badly. Some want more spending money and honestly, that tells you something useful about who your kid is.

The number matters far less than who chose it.

A split your child picked is a rule they will follow. A split you imposed is a rule they will resent and quietly work around.

You can always revisit in a month. Let it be theirs first. What split did your kid choose?

Your kid keeps all their money in one jar. Here is what that actually costs them.Every time they want something, they ha...
09/15/2026

Your kid keeps all their money in one jar. Here is what that actually costs them.

Every time they want something, they have to decide. Every candy aisle. Every app store button. Every friend’s birthday party.
The whole amount is sitting right there, technically available for anything — which means every single purchase is an open question.

That is not a savings system. That is forty small arguments a month, and your child loses most of them, because they are nine and the jar is right there.

We do it to ourselves too. One account, one balance, one running negotiation every time we open the app.

The problem was never willpower. It was structure.

New on MoneyCents Starts at Home: moneycents.substack.com
How does your family handle it — one jar, or several?

Week one of your kid’s money goal is easy. The plan is new and the counting is fun. Week two is fine. They’re still tell...
08/31/2026

Week one of your kid’s money goal is easy. The plan is new and the counting is fun. Week two is fine. They’re still telling people about it. Week three is where it falls apart.

The excitement is gone. The finish line is still far away. And there’s a candy display at the register doing exactly what it was designed to do.

This is the moment a lot of us quietly decide our child "isn’t good with money."

We’re wrong. That’s not a character flaw — it’s a distance problem, and distance problems have fixes.

New on MoneyCents Starts at Home: what to do when the excitement wears off. moneycents.substack.com

Parents, where does your kid usually lose steam? Comments are open.

The checkout line is where money plans go to die.Your kid has twelve dollars saved. There's a six-dollar thing right the...
08/26/2026

The checkout line is where money plans go to die.

Your kid has twelve dollars saved. There's a six-dollar thing right there at eye level, placed by professionals who put it exactly there on purpose.

Here's what I've stopped saying:

"Put it back." "You don't need that." "What about your savings?"

Here's what I say instead:

"Is that still your mission?"

That's it. No lecture. No standoff. Just a reminder of the decision they already made. Nine times out of ten they put it back themselves. And the times they don't? They learn something a lecture never could — for six dollars.

Try the question this week, then come back and tell me what happened.

"You should save that."Four words. Every parent says them. And most kids hear... nothing.Not because they're careless. B...
08/24/2026

"You should save that."

Four words. Every parent says them. And most kids hear... nothing.
Not because they're careless. Because we just handed them an instruction with no destination attached.

Telling a child to save money is like telling them to run. Their first question is: toward what?

This week on MoneyCents Starts at Home, I'm sharing the one question that turns saving from a rule into a mission — plus the three-part conversation you can have at your kitchen table in ten minutes.

Read it here: moneycents.substack.com
What is your child saving for right now? Tell me in the comments — I read every one.

Ask a kid where money comes from, and most will say the same thing: "Mom and Dad." 😊But one of the most powerful money l...
08/17/2026

Ask a kid where money comes from, and most will say the same thing: "Mom and Dad." 😊

But one of the most powerful money lessons a child can learn is that they can make it themselves — using something they're already good at.

The kid who loves animals? Pet sitting. The one who's great with phones? The family tech helper. The tidy one? Helping a busy neighbor get organized.

Every child has a "money superpower." Our job is just to help them see it. 🪙

This week on the newsletter, I share how to find your child's — plus a simple ten-minute activity to try at home.

Read it here 👇

https://moneycents.substack.com/p/every-kid-has-a-money-superpower?r=2x95h1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true

A savings goal shouldn't live only in your child’s head.Make it visible.Have them write down what they’re saving for.Dra...
08/12/2026

A savings goal shouldn't live only in your child’s head.

Make it visible.

Have them write down what they’re saving for.

Draw it.

Print a picture.

Put it beside a clear savings jar.

Then every dollar they add becomes something they can see.

$5 isn’t just $5 anymore.

It’s $5 closer to the goal. 🎯

That small shift can make saving feel less like waiting and more like winning.

What if your child isn’t bad at saving?What if they just don’t have a reason to save yet?“Save your money” makes sense t...
08/10/2026

What if your child isn’t bad at saving?

What if they just don’t have a reason to save yet?

“Save your money” makes sense to adults. But to a kid, it can sound like:

Don’t spend your money now…just because.

Try a different question:

“What’s something you really want to save for?”

A new game. Special sneakers. A family experience. Something they choose.

Once their money has somewhere to go, saving stops feeling like a punishment.

It becomes a plan. 💡

What would your child be excited to save for?

Ever handed your kid $5 and watched it disappear before you reached the car? 😄You're not alone — and here's the good new...
08/10/2026

Ever handed your kid $5 and watched it disappear before you reached the car? 😄

You're not alone — and here's the good news: your kid probably isn't bad at saving. They've just never been given a reason to.

"Save your money" is an instruction with no payoff. But the moment a child has a goal they truly care about, saving stops feeling like a punishment and becomes a plan. 🪙

This week on the newsletter, I share how to make that shift — plus a simple ten-minute activity you can try at home this weekend.

Read it here 👇

https://moneycents.substack.com/?utm_campaign=profile_chips

Weekend Family Challenge! 💙This weekend, have just ONE money conversation with your child. That's it. No lecture, no pre...
08/07/2026

Weekend Family Challenge! 💙

This weekend, have just ONE money conversation with your child. That's it. No lecture, no pressure, no perfect answers required.

Try one of these:
💬 "What would you do with a hundred dollars — and what if it had to last a year?"
💬 "What's the difference between something you need and something you want?"
💬 "What's something you'd love for our family to save up for together?"

Then do the most important part: listen. Sometimes the greatest money lesson isn't about spending or saving. It's simply about talking.

Have a wonderful weekend! 🪙

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Houston, TX

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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