Investing for Kids
Kids don’t need a finance textbook — they need a few simple habits that become automatic. Start small, keep it fun, and let time do the heavy lifting (like a giant sequoia growing quietly for years).
🌱 Why Start Early?
A kid who learns to save, plan, and invest is learning life skills — not “stock picking.”
- Habits beat motivation. Small repeats become big outcomes.
- Time is the superpower. Years matter more than “perfect” choices.
- Confidence grows. Kids who understand money fear it less.
🎯 The Goal
We’re not trying to create tiny day-traders. We’re trying to create young adults who:
- Can delay gratification without feeling deprived
- Know the difference between spending, saving, and investing
- Understand that money is a tool for a good life
Keep it positive: “We’re building your future options,” not “Don’t waste money.”
🧒 7 Kid-Friendly Ways to Save & Invest
Piggy Bank
Great for young kids to “see” saving grow.
Goal Jar
Name the goal (bike, game, trip) and track progress.
Kids Savings
A “safe savings” place to build the habit.
Allowance
Split it: spend / save / give (simple system).
Custodial Brokerage
Teach ownership: one company, one story, one lesson.
529 Plan
College savings with tax advantages (where eligible).
Earn It
Lemonade stand, dog walking—income + discipline.
🚀 Savings Sprint (Kid-Friendly Calculator)
Pick a goal and a weekly saving amount. This shows how fast your kid can reach it. Keep it fun: name the goal jar and celebrate milestones.
🌲 Join the Fiscal Investor Giant Sequoia
Want simple lessons, checklists, and calculators you can use at home (without the overwhelm)? Sign up and grow your family’s financial forest.