How to talk to children about money?

Talking about money with young children is not always easy, as they have no real concept of it. Yet financial education is at the root of any attempt to develop children's autonomy.

So what should you keep in mind when talking to your child about money?

Set an example for your children

If you want your children to learn the importance of saving, let them see you saving. Explain why it is important to save and what these savings will enable you to do later.

Talk to your child about your money choices

If you avoid buying certain products (for example, certain brands), explain why to your child. If you buy your food/products in bulk, explain why your choice makes more economic sense.

Teach your child the relationship between work and money

Financial education is not just about saving. Developing their entrepreneurial spirit is an effective way to teach them about the relationship between work and money. It is not just a matter of enabling them to earn some money. It is about teaching important skills such as creativity, originality, perseverance and reflection, i.e. the skills needed to run a business (and for life in general!).

Let them manage some money

Children don't always understand when you tell them you "don't have the money" to buy them something. They do not necessarily understand that once the money is spent, it's gone for good. Letting your child manage a certain amount of money is a good way of teaching them that money is given in exchange for something. Giving them a little also teaches them the importance of making choices and that they can't always get what they want.

Teach your child the importance of having goals

We don't always get what we want, when we want it. This is life. It is important for your child to understand that even if they can't have what they want when they want it (for example, a new video game), saving towards that goal can help them achieve it.


Above all, it is important to teach your child that happiness lies in the simple things and small pleasures of life: spending quality time together, developing rituals to strengthen family bonds, creating things together... Teach them to distinguish between needs and desires and remember that beautiful moments shared are worth all the gifts in the world!

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