Ages 3–7
Build early confidence using physical coins and play-based learning habits.
Money habit tips and frameworks
Ages 8–12
Master the value of earning through commissions and setting meaningful saving goals.
Ages 13–16
Explore wealth building, compounding, and mastering financial independence.
Uni-Bound
Equip young adults with survival budgeting and adult financial navigation skills.
Communal vs Personal framework
Keep chores as the communal baseline, no pay attached. Then create a separate, clearly-labelled list of earning opportunities: extra tasks, above and beyond, that come with pay because they involve extra effort.
Communal vs Personal framework with the age by age chore list
Why start money lessons early?
Not sure which age fits? Start with our Money Skills Roadmap. Early money habits shape lifelong confidence, and it’s never “too early” or “too late” to begin. Best of all, parents don’t need to be money experts to raise money-smart kids.