The Child Wealth Journey
One place for every stage of your child’s financial development—with articles, calculators, activities, books, parent tips, conversation starters, and family traditions that grow as your child grows.
Choose Your Child’s Stage
Parents learn. Parents build. Children experience, practice, understand, participate, and gradually lead.
The framework stays simple while the resources continue growing. Start with the stage that matches your child today, then return as your family moves forward.
Building the Foundation
Start early, choose an account with confidence, and build an automatic investing habit for your child.
Explore this stage → 💰 Ages 3–5First Money Experiences
Help your child notice money and begin making tiny, low-pressure choices.
Explore this stage → 💵 Ages 6–9Building Money Habits
Build repeatable habits around earning, saving, spending, and waiting.
Explore this stage → 📈 Ages 10–12Growing Financial Confidence
Help your child understand the reasoning behind saving, budgeting, and long-term growth.
Explore this stage → 🚀 Ages 13–15Beginning the Investment Journey
Help your teen understand investing and begin participating in guided, real-world decisions.
Explore this stage → 🎓 Ages 16–18Transitioning to Independence
Prepare your young adult to take the lessons forward and begin managing real financial responsibilities confidently.
Explore this stage →The cycle of generational wealth
Child Wealth is not only about building an account. It is about building knowledge, habits, confidence, and responsibility that can be carried into adulthood and eventually passed to the next generation.
Parents Learn & Build
Families understand their options and create the foundation.
Children Grow & Practice
Lessons become age-appropriate experiences and real habits.
Young Adults Lead
Responsibility transitions gradually while parents remain mentors.
Educational information only. This website does not provide individualized financial, tax, or legal advice.
Why the Journey Is Organized by Age
Financial confidence develops differently at age four than it does at age fourteen. The Child Wealth Journey separates the parent’s job of building a financial foundation from the child’s job of gradually learning how money works. In the early years, most decisions belong to the parent. As children grow, the focus shifts toward practice: making choices, saving toward a goal, understanding tradeoffs, earning money, and eventually taking responsibility for real financial decisions.
Use the stage you are in now
You do not need to complete every activity or read every guide. Pick the stage that matches your child, choose one practical idea, and return when your family is ready for the next step. A preschooler may learn that money is exchanged for things. An elementary-age child can practice saving and spending from a small amount. A teenager can compare needs and wants, understand a paycheck, and learn why long-term investing is different from short-term spending money.
Two goals, one framework
The Journey has two connected goals: help parents build resources for a child’s future and help children develop the knowledge to manage money well. A large account without financial skills can create problems, while strong money habits without any financial foundation can limit options. The best outcome is to work on both over time.