Early Childhood (Grades Pre K to 2)

Pre-K to 2

3 to 5

6 to 8

9 to 12

High School

Growth Chart

This is an ideal age to introduce your children to money concepts and teach behavior they can draw on as they get older.

  • Build a foundation.
    Help your young child develop the skills they’ll need for living—focusing attention, understanding rules and directions, waiting for future rewards. Start small and make sure your expectations are appropriate to the age and to the individual child.
  • Learn by playing.
    Turn a lesson on coins and paper money into a game. Play “house,” including activities like shopping and work, and let kids learn about paychecks, spending money, and saving for later purchases.
  • Learn by doing.
    Include your child in everyday tasks such as banking and shopping. Explain what you’re doing and your thinking behind these tasks.
  • Read.
    When your child’s favorite stories touch on money, talk about it. What’s happening? Why? Does it make sense? Is it smart?

For more information, see Consumer Financial Protection Bureau’s (CFPB): For your child during early childhood

Tips to Promote Savings
  • A 529 college savings plan can do double duty by helping you teach children age-appropriate lessons on the benefits of saving, planning, and investing.
  • For birthdays, religious milestones, and graduations, ask friends and relatives to consider monetary gifts to savings accounts.

Related Information


*This content has been compiled from various sources of information.


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