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Raising Financial Superheroes Overview

Raising children to understand the value of a dollar is one of the most important gifts you can give as a parent. In Nanci Wilson's Raising Financial Superheroes presentation, she discusses some great resources to teach children of all ages about the importance of balancing their finances. 

The Little Superhero (Ages 3-5) 

The ages of three to five are important for establishing life lessons, such that you need money to buy things, you earn money by working, you may have to wait before you can buy something, and there is a difference between things that you want and things that you need. 

The "Watch Me Grow" Hero (Ages 6-10)

The ages of six to ten are crucial for instilling lessons, such that you need to make choices about how to spend your money, it's good to show around and compare prices before you buy, it can be costly and dangerous to share information online, and putting your money in a savings account will protect it and pay you interest. 

The "Here I Come World" Hero (Ages 11-13) 

The ages of eleven to thirteen are an appropriate time for parents to have conversations, such as the importance of developing a keep and save plan, entering personal information online is risky because someone could steal that information, money grows faster the sooner you start saving, and using a credit card is like taking out a loan. 

 The Superheroes (Ages 14-18)

As children get older, they may begin to think about life after high school and maybe considering secondary education. When discussing colleges with your child, it is important to consider how much each school would cost you and/or your child. It is also important to teach children that you should avoid using credit cards to buy things you can't afford to pay for with cash, your first paycheck may seem smaller than expected since money is taken out for taxes, and start investigating savings plans.

 The Superheroes (Ages 18+) 

The ages of eighteen years old and older are important for establishing lessons, such as a job with health insurance is important, it is crucial to have at least $500 in savings at all times for emergencies, and you should only use a credit card if you can pay off the money owed in full each month. 


UFCU is here to help you with any of your budget questions or concerns, whether you are a member or not. They would be happy to assist you and be your place of comfort. 


Check out their website HERE!