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Money Smarts: Save, Spend, and Bank
Created by Shaunak Ghosh
Learn what money is, how kids can earn it, and how to make smart choices about saving and spending. You will practice using money jars, learn how real banks and savings accounts work, and make a simple budget and savings goal you can track.
Requirements
- Count and add small amounts of money
- Know that stores have prices and you pay to buy
- Understand simple “more/less” and “now/later” choices
- Know what chores and allowance are
What you'll learn
- Explain what money is and why people use it.
- Tell the difference between needs and wants, and between saving and spending.
- Name kid-appropriate ways to earn money, and explain that earning takes time and effort.
Learning path
9 modules • Each builds on the previous one
1
What money is and why
Learn what money is, what we use it for, and where it can be found (coins, bills, and numbers on a card/app).
2 videos8 min
2
Saving vs spending: needs and wants
Learn the difference between saving and spending, and how “needs” are different from “wants” with easy examples (food vs. toys).
1 video5 min
3
Earning money: allowance and jobs
Learn how kids can earn money through allowance, helping at home, or small neighborhood jobs (with adult permission), and why earning takes time and effort.
1 video4 min
4
Piggy banks and money jars work
See how piggy banks (or money jars) help you save at home by keeping money in one safe place and making it easy to count.
2 videos8 min
5
Real banks keep money safe
Learn what a bank is and what it does: it keeps money safe, lets you put money in (deposit) and take money out (withdraw).
1 video7 min
6
Bank accounts and earning interest
Learn what a savings account is and how interest is like a tiny “thank you” from the bank for keeping money there (usually a small amount).
1 video5 min
7
Simple budgeting: plan your money
Learn how a budget is a plan for your money. Practice a simple budget using a small amount (like $10) and categories like save, spend, and share.
1 video6 min
8
Saving goals and tracking progress
Learn how to set a saving goal (something you want later), choose a time frame, and track progress with a chart or thermometer picture.
1 video6 min
9
Why saving matters: quick review
Review the big ideas (earn, save, spend, budget, bank) and learn why saving matters for emergencies, goals, and feeling prepared.
1 video6 min
Start Learning
Begin your learning journey
Modules9
Duration51 min
Science-backed learning
In-video quizzes and scaffolded content to maximize retention.
Key concepts
What Money Is And Different Forms Of MoneyNeeds Vs. Wants And Saving Vs. Spending ChoicesEarning Money With Chores And Kid Jobs