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Pocket money by age — an honest guide for parents
How much pocket money is enough? What about chores? When do you start? An honest, non-strict guide.
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👨👩👧 For parents
Parent Guidance Hub
How to talk about money with kids — without lectures, scripts, or the feeling that you have to know everything first. You don't.
Free download — for parents
Tiny Heroes Pack · 15 printable pages
Coin matching, saving charts, first budgeting worksheets. For kids 5-10. Get it via email →
“You don't need to be a finance expert to teach your kids about money. You need a few simple questions, a bit of patience, and one good evening per month.” — Cash
— Cash
Where to start, by age
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Age 5-7
Save · Spend · Share + simple counting
Start with the 33/33/33 jars idea — concrete, hands-on, no maths required.
Start here →
🤓
Age 8-10
Allowance + goal-setting
Try the Allowance Calculator and Goal Planner. Pick one real goal together.
Start here →
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Age 11-13
Budget basics + impulse control
Family Budget Starter + the Impulse Control Trainer in Money Feelings.
Start here →
👨🎓
Age 14+
Digital money + first investing
Digital Money Detective + the Beginner Investors lessons (start with what-is-investing).
Start here →
Parent articles
🪙
How do I teach my kid to save? — 7 steps that actually work
Saving for kids doesn't start with money — it starts with meaning. A practical roadmap.
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What is compound interest? (Goldie explains)
A secret that most adults only discover in their 40s — and you already know it now.
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🤔
Needs vs Wants — how Penny tells the difference
Three questions. Three seconds. And you know whether that thing you want is really necessary.
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💬
Financial parenting — 5 conversations that make the difference
Kids don't learn about money from books — they learn from EVERYDAY conversations. Here are 5 they'll never forget.
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🗣
How to talk about money (without lectures)
Coming soon — the open-ended question framework that works.
🫂
How to handle money shame
Coming soon — when kids feel less-than because of money.
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Talking about debt, BNPL & credit
Coming soon — the conversations every parent of a teen needs.
5 conversation cards
Use one at the dinner table. Listen to the answer. Don't correct. The point is hearing — not teaching.
Card 1
“If you had €100 today, what would you do with it?”
For parents: Listen without judging. Don't 'correct'. The goal is to hear how they think about money.
Card 2
“What's the smartest money choice you've made this month?”
For parents: Helps them notice their own wins. Smart < perfect.
Card 3
“What's something you wanted to buy — but then didn't?”
For parents: Reveals their impulse-control patterns. Celebrate the wait.
Card 4
“What does 'rich' mean to you?”
For parents: Pure curiosity. Often surprising answers. Don't comment, just listen.
Card 5
“What's one thing money CAN'T buy?”
For parents: Soft, philosophical, easy. Good for any age. Often becomes the deepest answer.
🌙 Want to make it a ritual?
Plan a Family Money Night
A warm, low-pressure 60-minute evening to talk money as a family. We've made a step-by-step plan.
⚠️ Educational only · You know your kid best · Adapt anything here