For Parents and Carers

Kit's Smart Money Playbook

Help your kids build money smarts with this free playbook. Learn how to talk about money, set goals, and use fun tools for everyday learning.

Download Kit's free 5-7 year old playbook 💭
Download Kit's free 8-10 year old playbook 🚀
Download Kit's free 11-13 year old playbook 🤘🏻
Smart Money Playbook
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Why this matters

Money habits form as early as age 7. Our Smart Money Playbook gives you a head start, with expert-backed advice and ready-to-use tools to help your child become financially confident.

Managing money is a lifelong skill, and Kit makes it simple and fun for kids to get started!
Research* shows Kit boosts kids financial capability – they are more likely to talk about
money, earn it, save it and check their balance before spending it.

*Money Matters Report 2023

What you'll learn

card

Money Conversations by Age

🧠 Tips for infants, primary, and high school age groups

Rocket

SMART Goals for Kids

🎯 Help your children set & achieve their savings goals.

Wallet

Allowance & Earning Habits

💵 Chores, jobs, and fair systems.

Coins

Mindful Spending

📊 Tips on building delayed gratification and savvy spending.

Free Resource

Download for Free!

Playbook for parents of children aged 5–7!

For many parents, money is a taboo topic – but a taboo we need to break down by talking about it in a child-appropriate and open way. At this age, children are still building their numeracy skills and are starting to understand that money has value, you can earn it, and you can save it.

💡 What will we cover?

How to recognise and track money, understand digital spending, and make smart choices between needs and wants. With tips on teaching patience, saving, and online safety, it also explores how to handle pocket money and avoid entitlement.
get savvy
spend it

Free Resource

Download for Free!

Playbook for parents of children aged 8-10!

At this age, children are growing in independence and building strong friendships. They may be receiving regular pocket money, understand that money is valuable, and be able to make short-term plans for how to use their money. With adult support and encouragement, they can begin to make larger saving goals, but may still grow discouraged or disinterested if these take a long time to achieve.

💡 What will we cover?

Covering everything from earning and saving to spending wisely, with sections on pocket money, chores, budgeting, and digital spending. It also includes tips for building patience, avoiding entitlement, and discussing topics like neurodiversity.

Free Resource

Download for Free!

Playbook for parents of children aged 11–13!

Stay informed and empowered with practical tips and tools to help your child build smart money habits. We'll let you know first once our playbook for children aged 11 to 13 years old is released.

💡 What will we cover?

Explore earning through chores and informal jobs, understanding debit, credit, and interest, and an introduction to investing. Learn how to save with budgeting tools like splitting and goal setting, and spend wisely by managing digital money and spotting scams. Also included are tips for building patience and avoiding entitlement.

learn it
happy families

Tune in to The Happy Families Podcast!

Hear about Kit's Smart Money Playbook from the experts 💭

Not sure how to talk about money with your kids?  Kit MD, Yish Koh, chats with Dr Justin Coulson about breaking down the barriers to these 'smart money' conversations,  as well as what kids under 10 should be able to do money-wise.

The Happy Families Podcast with Dr. Justin Coulson is designed for the time poor parent who just wants answers now. Every day, Justin and his wife Kylie provide practical tips and a common sense approach to parenting that Mums and Dads all over the world are connecting with.  For real and practicable advice from people who understand and appreciate the challenges of a time poor parent, listen to Justin and Kylie and help make your family happier.

Catch the 3-part series that helps parents raise money-smart kids with confidence and clarity.

 

Episode 1: Money Management for Under 10's

How do we talk to 8–10-year-olds about money? Learn what kids should understand at this age, how to overcome awkward money convos, and where to start.

Check out the first episode 💡

 

Episode 2: Teaching Kid's about Money

 

Let’s go beyond chores. We explore how to teach kids to save, give, and spend with purpose - including how to set savings goals and even introduce investing.

Check out the second episode 🌟

Frequently asked questions

 

Start talking to your child from around 4-5, when they start to understand what money is, and that is has value. Start simple, talk about what you're buying and why, and why saving money is good.

Use examples they understand: “If you get $5 and spend $2 on candy, how much is left?” You can find more examples like this in our money guide.

We've split our Smart Money Playbook's by three age groups,

  • 5 to 7 years,
  • 8 to 10 years and
  • 11 to 13 years.
We recommend downloading the playbook within your child's age group. 

Want more Kit resources?

Get Savvy
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Earning Money

Tips, tricks, and conversation starters to teach your kids about smart earning.

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Spend It
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Spending Money

Tips, tricks, and conversation starters to teach your kids about mindfully spending.

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Stack It
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Saving Money

Tips, tricks, and conversation starters to teach your kids about savvy saving.

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Learn It
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Talking about Money

Tips, tricks, and conversation starters on how to talk to your kids about money. 

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