How To Talk To Your Kids About Money

Are your kids accompanying you on your grocery runs? Do they have a monthly allowance?

If you answered yes to either of these questions, then your kids are already learning their money lessons!

Kids start to learn about finance very early in life: commercials, dinner table conversations, trips to stores. Talking to kids about money can be hard – especially when it comes to personal finances. Here’s what the experts had to say:

1. Be a role model.

Kids watch your actions!

According to Dr. Robyn Silverman, a child/teen development specialist, being a financial role model is very important. Learning begins at home, and those trips to the grocery store can be real learning opportunities!

2. Share your personal stories.

You are a superstar to your little ones!

So share your own stories with them. Tell them about how your spending and saving habits have allowed you to give them an amazing life!

3. Teach your kids about investment.

Only 17% of kids today believe in the importance of investing.

It’s never too early to start teaching your kids the importance of 401k’s and stocks. Trust us; they’ll thank you for those boring money talks about good investment.

Money talk isn’t easy and you shouldn’t have to do it alone. So we rounded up our top resources to help you talk to your kids about fiscal responsibility!

Math & Money Lapbook Bundle – ALL Grade Levels!


Good for: K – 12th 

Remember when your parents pulled this one on you?

Well, the adage is still true.

This bundle is the perfect resource to teach kids of all age groups about finances! The bundle includes lapbooks for kids from K – 12th grades.

The lapbooks cover everything from basic math skills (addition, subtraction, multiplication, and division) to “finance talk”: Information on the household expenditures, saving, and guides on how to spend.

Activity guides accompany the books to make sure the lapbook lessons really sink in.

As kids grow up, their understanding of money grows too – with this bundle you’ll always have a resource to count on to make the finance talk easily!

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Restaurant Menu – Math, Pretend Play, or Etiquette Activityrestaurantmenu

Good for:  Pre-K – 7 years

This cool math game is going to be your kids’ new favorite – and yours too!

Your kids can play restaurant with the pretty foldable menu and the order tickets while they learn dinner table and restaurant etiquette. Where are the money lessons you ask? Well, pretend restaurant owners get to total the order tickets putting their addition skills to use while the pretend restaurant goers get to calculate the tips.

Two birds with one stone, dinner etiquette that you can be proud of and real-world money skills that will last a lifetime!

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 Money Skills Play Setmoneyskills_monamelisa

Don’t play with money! Unless it’s Mona MELisa’s Money Skills Play Set.

This peel, stick, play, learn set of fabric decals is the best way to teach your kinesthetic learner about money! Move them as many times as you like to make up as many games as you like – the sky is really the limit. Teach your kids the difference between their “wants” and their “needs,” as they balance their spending and saving jars. Teach them to be charitable with the charity jar.

You get to make up the financial lessons you want to instill in your students – whether in your homeschool, or your classroom.

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Math Mammoth MoneyMath Mammoth Money

Good For: 1st – 3rd

Real world math made simple!

This printable workbook, text combo is an Educents favorite. The book starts off with counting exercises for 1st-graders and builds on the lessons from these exercises for 2nd-grade and 3rd-grade exercises. You and your little money-smart tot can pick and choose what level you want to learn at!

The biggest win with Math Mammoth Money? Its focus on mental math! Math Mammoth also offers tons of different books if you enjoy their teaching style.

One shopper said “I ordered this with the Light Blue Series, and my kids loved the adding and subtracting section…It really pushes my kids to solve math problems with visual elements to help them along the way.”

Buy Mammoth Money

Kid Themed Money Word ProblemsMoney Word Problems

Good For: Ages 7 – 10

Real life money issues translated for kids!

It can be tough talking to kids about money – except when money problems are already shaped for kids! This set of 24 task cards (with an answer sheet, and an answer key) does just that. Talk to your kids about real life situations that they can really understand.

The kit comes with eight blank cards so you can make up your own real life problems if you’re feeling inspired.

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Write-on/Wipe-Off Time & MoneyWrite On Wipe Off Time and Money

Good For: Ages 5 – 7

Creativity, math, and money come together in this Educents fave!

Let your kids unleash their creativity as they make their way through this flip book. They’ll learn to tell time as they draw on cute clock faces. They’ll get to count, add, and subtract money as they fill up the piggy banks in this fun book.

The best part – reuse over and over as your kids write-on and wipe-off. Unlimited fun and learning!

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Life of Fred: Financial ChoicesLife of Fred Financial Choices

Good For: 15 – 18

Time for a serious finance conversation with your teenager, or almost-adult?

Life of Fred makes the talk easier than ever. Teach your kids all about financial management, saving, wise spending, and smart choices. Use Fred’s fictional experiences to have serious conversations with your young adults about credit cards, taxes, insurance, real estate, etc. The book even talks to teens about the importance of investing and getting retirement-ready.

A truly comprehensive resource to talk to your teens about the value of money!

Buy Life of Fred Financial Choices


When do you think is the right time to talk to kids about money? Got a personal story?


 Tell us in the comments below!