Money Games: Fun Ways for Little Learners (Under 5) to Understand Finances!


The earlier we start teaching kids about money, the better prepared they’ll be for the future. But how do you make financial literacy fun and engaging for little ones under 5? The answer: games! Now this is a way to lock in generational wealth! Here are some playful activities to introduce basic money concepts to kids:


1. The Coin Counting Carnival:

  • Gather colorful play money or real coins (pennies work well!).
  • Sort the coins together, making silly sound effects for each type.
  • Have races to see who can stack the most coins or create a coin tower.
  • For older toddlers, practice counting the coins together.


2. The Play Store Parade:

  • Set up a pretend store using a blanket or a box.
  • Decorate construction paper “bills” and use toys or objects as “products.”
  • Take turns being the shopper and the cashier.
  • Practice counting out “play money” to pay for items.


3. Piggy Bank Picnic:

  • Decorate a piggy bank together (bonus points for a homemade one!).
  • Explain that saving money helps you get things you want.
  • Let your child “earn” pretend coins for completing chores or good behavior.
  • Encourage them to “feed” the piggy bank with their earnings and talk about what they want their earnings to go towards.

This is a great way to show children that with dedication and a vision, they can achieve their desires.


4. Needs vs. Wants Treasure Hunt:

  • Hide toy objects around the house representing “needs” (cup, teddy bear) and “wants” (toy car, robot).
  • Explain the difference between things we need and things we just want.
  • Together, create a “needs” and “wants” box to sort the found objects.
  • Option 2: If they have siblings, assign points to the needs items and the wants. Make it a competition to see who can earn the most points by finding what they need.


5. The Allowance Adventure:

  • Introduce the concept of an allowance using play money (or real money).
  • Explain that they can “earn” an allowance for helping with chores.
  • Let them “spend” their allowance on pretend items or experiences (or real ones).

This helps with delayed gratification and understanding the value of money.


Remember, keep it fun and age-appropriate! These games are a springboard for conversations about money, not strict lessons. By making financial literacy playful, you’re setting your child up for a bright future! You got this sis!


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