The money book you read with your kid · Ages 5 to 13
Nobody ever taught you about money. This book teaches you and your kid together.
30-day money-back guaranteeFree shippingAges 5 to 13 in one book
No money skills needed, no studying first, no feeling dumb. This book gives you and your kid the words to talk about money.
Your only job takes one minute. At dinner, in the car, or at bedtime, ask your kid what the money book taught them.
“Show me what you learned.”In one minute, your kid explains each money lesson to you. That is how your kid remembers the lesson. You never have to be the money expert.
Parents worry about the money mistakes their kids will make. Each mistake is a trap with a name. A trap is a common way people lose money. This money book has a lesson and a game for each trap.
“I had to dig out of massive debt in my twenties. I don’t want that for my kids.”
Level 12 of the book is a money lesson called Debt Detective. The lesson’s money trap is called the Tiny Payment. A tiny payment hides how long you pay and how much extra it costs. In the game Be the Borrower, your kid adds up two ways to pay for a 12-buck toy. Pay 12 bucks now. Or pay 1 buck a week for 15 weeks. That adds up to 15 bucks. Then your kid asks three questions from the book. What does it cost in all? Will it help me later? Is it worth it? Credit cards use the same Tiny Payment trap. Say you owe $5,000 at about 20% interest. Interest is extra money you pay when you borrow. Each month you pay only the interest plus 1% of what you owe, at least $15. That takes about 23 years and about $7,700 in interest. That $7,700 in interest is more than the $5,000 you borrowed.
“I was never explained about credit cards, when I graduated I joined the military and the bank I set up approved me for a 3000 dollar credit limit! I was 18 years old on my own and that was the start of my terrible credit score.”
Level 8 of the book is a money lesson called Card Checker. The trap is called Tap-and-Forget. Tapping a card or phone feels like nothing, so it is easy to spend more. In the game Tap or Count?, your kid buys a comic, a snack and a game pack two ways. First with play money. Then by tapping a pretend card and writing down the money left after each buy. Your kid learns that a credit card spends borrowed money. Borrowed money has to be paid back. If you pay only part of the card’s monthly bill, interest gets added to the rest. Interest is extra money you pay when you borrow.
“i grew up with no regards for money, i spent it as soon as i had it, and then i was broke.”
Level 4 of the book is a money lesson called the Saver. In the game Jump Back, your kid hops a coin up a line from 0 to 10. The 10 is the savings goal. Cards say Save 1, Save 2, or Sneaky Dip back 1. First to 10 wins. The trap is the Sneaky Dip: small spends that add up and pull you away from your goal. The rule your kid learns to say is “Goal first!”
A lot of kids think your bank card is magic. Level 2, a money lesson in the book, teaches the truth. A card spends money. It cannot make money.
What people with a credit card owe, on average
$11,671 of the $18,281 you pay back is interest. Interest is extra money you pay when you borrow.
$18,281 is the estimated cost to pay off a $6,610 credit card debt. $6,610 is the average card debt of people who have a card. The interest rate is 22.36%, the average. Interest is extra money you pay when you borrow. Nothing new goes on the card. Each month you pay the interest plus 1% of what you owe, at least $15. These numbers are not a prediction about your kid.
Free US shipping. The book is $44.95 for all 13 money lessons, about $3.46 each.
After each money lesson, take one minute. Ask your kid, “Show me what you learned.”
Your kid spots money traps before they cost you.
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Each money idea starts tiny, like one coin in one jar.
In each lesson, your kid spots one real money trap. A trap is a common way people lose money.
PLAY IT is a 5-minute money game. It uses coins, cups and paper from your kitchen.
Money Puzzles have the answers upside down. Your kid checks their own work.
Your child explains the book’s money lesson to you.
Two plain sentences teach you each money idea. Then you get the exact words to tell your kid.
Read-aloud money lessons help kids 5 to 8 count, choose and wait.
Earning, paying by card or phone, budgets, how banks and interest work, investing, debt, and spotting crypto (digital money) scams.
Try the book with your kid. If it is not working for your family, ask for your money back within 30 days.
30-day money-back guaranteeFree shippingAges 5 to 13 in one book
I don’t know enough about money to teach my kids. I’ve said that out loud more than once. The Grown-up Corner gives me two sentences and the exact words to say, so I’m not making it up as I go.
Jessica M. Verified buyer
Parent of a 6-year-old
I was honestly worried we’d missed the window. We hadn’t. We read the Next Level part together and now she quizzes me at dinner. First money talk in our house that didn’t feel awkward.
Danielle R. Verified buyer
Parent of a 10-year-old
Nobody sat me down. I had to learn about it on my own, mostly by messing up. My son gets to learn it with me instead of alone, which is the whole reason I bought it.
Andre W. Verified buyer
Parent of an 8-year-old
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No one ever wrote down your family’s money habits. Nobody was lazy. Nobody was mean. It just never got done.
For your family, this book is the first time good money habits get written down. Your kid learns them. You quietly learn them too.
You were never taught money. That can stop with you.
See all questions or email support@babycents.com. A real person reads every email.
30-day money-back guaranteeFree shippingAges 5 to 13 in one book
