How to Talk to Your Kids About Money (Pre-College Years)

In this Money Tales Deep Dive, Sandi Bragar and Cammie Doder explore one of the most meaningful and often avoided conversations: how to talk to kids about money before they leave home. They discuss why these conversations can feel uncomfortable for parents and reminding listeners that this guidance applies not only to your own kids, but also to nieces, nephews, and young people in your broader circle.

Drawing on insights from past Money Tales guests—including Vincent Valeri, Tim Ranzetta, Joyce Chung, Betsy Miller, and Dr. Marianne Cooper—they highlight how early money experiences shape a child’s understanding of security, independence, and decision-making. Throughout the episode, Sandi and Cammie offer a practical approach: start earlier than you think, use everyday moments as teaching opportunities, and focus on building confidence rather than perfection. They discuss the importance of normalizing money conversations in age-appropriate ways, giving kids hands-on experiences with earning, spending, and saving, and allowing room for small mistakes that lead to meaningful learning.

As reflected in many of the stories shared across Money Tales, the goal isn’t to raise financially perfect kids, but to raise capable, thoughtful adults who can make informed decisions and engage in healthy, open conversations about money throughout their lives.

Explore More Resources on Kids and Money

Looking to go deeper? Explore our curated Money Tales episodes alongside insights from Fathom, Aspiriant’s blog, for practical guidance on teaching kids about money—from building healthy habits to gaining financial literacy and confidence.

If you’d like to work with an Aspiriant advisor to align your financial plan with your goals and values, connect with us here.

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