PhoxFin blog

Notes on raising financially literate kids — PreK through Grade 12.

Notes from Phoxyn on early-childhood money habits, allowance design, peer-pressure spending, credit, investing, taxes, family money culture, and the research behind how financial behavior actually develops.

Family money culture · 3 min read
When to start teaching your kid about money (research says younger than you think)
Cambridge researchers found money habits form by age seven. Most families wait until middle school. Here's what to do at the ages most curricula skip.
May 15, 2026 · Phoxyn

Notes on raising financially literate kids — PreK through Grade 12.

When to start teaching your kid about money (research says younger than you think)