Free guide · ages 5–10

Raise a kid who's great with money — starting with what you say this week.

The 5 phrases that quietly train a money-smart kid. The ones to stop saying, and exactly what to say instead.

Created by an economist. No spam — just the guide.

Most parents mean to teach this. Almost none actually do.

83% → 16%

of parents say teaching money is their job — but only 16% have regular money conversations with their kids.

Age 7

is when money habits start taking root. Most parents wait until the teens — years too late.

On repeat

kids learn money from the words and habits they hear over and over — not from one big lecture.

"I'm an economist who learned all of this as an adult. This is the head start I wish I'd had — so I'm handing it to parents, one phrase at a time."
— the founder of Money Roots