For parents · Free
12 Money Conversations Before They Turn 15
Twelve money conversations families often postpone — each with a hero, a hook, and a two-minute thing to try together. No expertise needed. Go at your own pace.
Little Finance Heroes turns real money decisions into simple, visual adventures children can understand and practise.
- 1💼 Where money comes from7–14
Money isn't magic — it's earned.
Try together: Ask: “How do the grown-ups you know earn money?” Then explore jobs and effort together.
Start this conversation→ - 2⚖️ Needs vs wants6–12
Everything we buy is a need or a want — and it isn't always obvious.
Try together: Sort five things from today into needs and wants. Where do you disagree?
Start this conversation→ - 3⏳ Why waiting changes a decision7–14
A 24-hour pause quiets the countdown — and your own voice comes back.
Try together: Next time they “need” it right now, try the Wait Challenge together.
Start this conversation→ - 4🌉 How a budget gives money jobs7–14
A budget isn't a cage — it's a map that gives every coin a job.
Try together: Build a four-job plan together with the Budget Bridge course.
Start this conversation→ - 5🎯 Saving for a meaningful goal6–12
Saving isn't refusing every joy — it's giving some coins a reason to wait.
Try together: Pick one real goal and split money into save, spend and share.
Start this conversation→ - 6☔ Emergency money8–14
A small buffer turns a “disaster” into just a surprise.
Try together: Talk about a time something broke. What would a few saved coins have changed?
Start this conversation→ - 7🧾 Borrowing and interest9–14
“Pay later” still means pay — and often a little more.
Try together: Look at a “buy now, pay later” offer together and ask what it really costs.
Start this conversation→ - 8❄️ Compound growth and time9–14
Growth can start making its own growth — if you give it time.
Try together: Watch two snowballs grow and talk about starting early.
⚠️ Education, not financial advice.
Start this conversation→ - 9🎈 Inflation and purchasing power8–14
The coin didn't get smaller — what it could buy did.
Try together: Compare what a euro bought when you were their age versus now.
Start this conversation→ - 10👻 Digital money, scams and subscriptions8–14
A small payment is easy to forget — even when it remembers to return.
Try together: Review the subscriptions and spot one online trick together.
Start this conversation→ - 11🏡 The real cost of housing10–14
You can afford the key — but can you afford the house?
Try together: Look behind a price tag at the costs that arrive every month.
Start this conversation→ - 12🏛️ Taxes, work and giving9–14
Some money we share — to build the things no one can build alone.
Try together: Follow a receipt and talk about what shared money pays for.
⚠️ General education, not tax advice.
Start this conversation→
Free guide
What to teach about money at every age
The complete age-by-age guide — from elementary school to young adulthood.
Prefer it on paper?
The Money Hero Year — all 12 as a printable year-long plan
Twelve months with printable missions, a Year Map and a certificate.
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Education only — not financial advice. No need to share private family numbers a child doesn't need to know.