What is the age we begin teaching financial literacy?

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Financial literacy should start early. Children can begin learning basic money habits around ages 5–7. They can learn to save, spend, and share. Simple lessons help them see that money comes from work, not magic.

By middle school, students can handle stronger lessons. They can learn about earning money through chores, small jobs, and helping at home or on a farm. They can learn budgeting and goal setting. When students earn their own money, they value their purchases more and care for what they own.

Schools and parents can work together. Honest conversations about work, effort, and money help students grow. Teaching these skills early builds responsibility and independence.

I believe financial literacy should begin as early as elementary school, but it should be introduced in age appropriate ways.
In the early grades, students can learn basic concepts like needs vs. wants, saving, and making simple choices. As they move into upper elementary and middle school, lessons can expand to budgeting, understanding value, and setting financial goals. By high school, students are ready for more advanced topics such as credit, loans, interest, taxes, and long-term planning.

Starting early builds familiarity and confidence, and revisiting the concepts over time helps students develop real-world financial skills before they graduate.

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