Age-Appropriate Money Talks With Kids

I want to talk to my children about money in age-appropriate ways throughout their childhood — but I'm not sure what they can understand at each stage.

Children's ages: [AGES]
What I've covered so far: [coins / pocket money / 'we can't afford that' / nothing deliberate]
My own money background: [grew up with / without / money was never discussed]
What I want them to understand by adulthood: [LIST the key beliefs or skills]

Give me an age-by-age money conversation guide:
1. **Ages 3–5** — what they can grasp and the activities that teach it
2. **Ages 6–10** — introducing earning, saving, spending, and giving
3. **Ages 11–14** — bank accounts, budgeting, and the first taste of financial independence
4. **Ages 15–18** — jobs, tax, credit, and preparing for adult financial life
5. **The everyday money moments** — conversations at the supermarket, online shopping, bills
6. **Mistakes to avoid** — the money messages we accidentally pass on

I want to talk to my children about money in age-appropriate ways throughout their childhood — but I'm not sure what they can understand at each stage.

Children's ages: [AGES]
What I've covered so far: [coins / pocket money / 'we can't afford that' / nothing deliberate]
My own money background: [grew up with / without / money was never discussed]
What I want them to understand by adulthood: [LIST the key beliefs or skills]

Give me an age-by-age money conversation guide:
1. **Ages 3–5** — what they can grasp and the activities that teach it
2. **Ages 6–10** — introducing earning, saving, spending, and giving
3. **Ages 11–14** — bank accounts, budgeting, and the first taste of financial independence
4. **Ages 15–18** — jobs, tax, credit, and preparing for adult financial life
5. **The everyday money moments** — conversations at the supermarket, online shopping, bills
6. **Mistakes to avoid** — the money messages we accidentally pass on