Fathr Moneyguide
Teaching Kids About Money by Age
From coins in a jar to interest rates — what to introduce and when.
9 min read
Kids by Age · 4–6 years
Early school
School, friendships and the first real world outside your house.
What's happening at this age
- Starting school
- Friendship groups forming
- Rapid literacy and numeracy growth
What they need from you
- Routine and sleep
- Encouragement over pressure
- Someone who notices effort
What to teach now
- Reading together
- Kindness and turn-taking
- Road safety
- Swimming
How to communicate
- Ask specific questions, not 'how was school'
- Talk while doing something else
- Take their worries seriously
What to do together
- Bike riding
- Swimming
- Simple cooking
- Board games
What to watch for
- School anxiety
- Sleep problems
- Comparison to siblings
How to strengthen the relationship
- A weekly one-to-one outing
- Show up at school events
- Learn their friends' names
How to build independence
- Dressing themselves
- Packing their own bag
- Small household jobs
Guides for this age
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