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Start early with age-appropriate lessons:Ages 3-5: Use a clear jar for savings so they can see money grow. Give small tasks for pocket money.Ages 6-10: Open a kids savings account. Teach needs vs wants. Give weekly allowance tied to chores.Ages 11-14: Introduce budgeting. Let them manage their own spending money. Teach about compound interest with examples.Ages 15-18: Get them a debit card with limits. Discuss investing basics. Let them make financial mistakes while stakes are low.Best rule: When they want something, make them wait 3 days. If they still want it, they buy it with their own money. This teaches delayed gratification — the #1 wealth building skill.