Resources for Parents

If you're viewing this page then you realize that raising financially savvy kids is incredibly important! Most parents don't realize that children begin learning these concepts through observation and that they have the ability to absorb financial information at a very early age. We know it can be challenging for parents who aren't sure when or where to start. That's why we created this Financial Literacy Hub – it's like your personal roadmap helping you guide your kids on their financial journey. The journey begins with valuable insights into how children learn about money at each stage, along with practical tips and resources to cultivate their financial knowledge and decision-making skills. 


Planting the Seeds of Financial Literacy: A Stage-by-Stage Guide


Ages 3-5

Ages 3-5

EARLY CHILDHOOD

Planting the Seed: As executive function begins to rapidly develop, these early years are crucial for building the foundation of financial responsibility. Through everyday experiences, children begin to grasp basic financial concepts, understand numbers, and develop early values around money.

Ages 6-12

Ages 6-12

MIDDLE CHILDHOOD

Cultivating Financial Knowledge: Middle childhood is when the seeds of financial literacy take root and flourish. Children's experiences beyond the home act as fertilizer, nurturing their understanding of money management. They actively observe and absorb financial habits from role models.

Ages 13-21

Ages 13-21

TEENS & YOUNG ADULTHOOD

Financial Independence Blooms: As teenagers blossom into young adults, the seeds of financial literacy come to fruition. This is when financial knowledge and decision-making skills become crucial. They start making independent purchases, exploring earning opportunities, and potentially navigating bank accounts or student loans.

TEACHING MATERIALS BY AGE

Teaching Resources for Ages 3-5

Teaching Resources for Ages 3-5

Early childhood years are crucial for building the foundation of financial responsibility.

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Teaching Resources for Ages 6-12

Teaching Resources for Ages 6-12

Middle childhood is when the seeds of financial literacy sown in early childhood begin to take root and flourish.

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Teaching Resources for Ages 13-21

Teaching Resources for Ages 13-21

As teens blossom into young adults, the seeds of financial literacy planted earlier truly come to fruition. 

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Focus on People with Disabilities

Focus on People with Disabilities

Every Seed Can Bloom

Financial literacy empowers everyone, regardless of learning style or ability. Just like some plants require extra care or time to flourish, developmentally disabled or neurodivergent people may need additional support to cultivate strong financial skills. We believe everyone deserves the opportunity to learn how to manage money to the best of their ability. That's why we've curated a special collection of resources designed specifically for the disability community offering valuable tools and information to help everyone plant the seeds of financial literacy and watch them blossom into a brighter financial future.

College Savings Planning

College Savings Planning

Every parent wants to see their child succeed, and often a foundational component of that success is a good education. According to the Public Policy Institute of California, college is a good investment. Their research shows that in 1990, a worker with a bachelor's degree earned 39% more than one with only a high school diploma. By 2021, the difference had grown to 62% and closer to 90% for workers with graduate degrees. Over time, the higher incomes of college graduates accumulated into more than three times as much wealth as households with less-educated adults.

But let's face it, college costs can feel overwhelming. Knowledge is power and there are many ways to address college funding. Click "LEARN MORE" to access our Basics of College Savings Planning guide.

The information provided on this page is based on research conducted by the Consumer Financial Protection Bureau.

Learn More About the Building Blocks of Financial Capability