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Our Financial Habits Are Set By Age 7

How Financially Ready Is Your Child?


How often does your child beg you to buy something when you are in a store?

Does he seem to care or believe that you only have a limited amount of money to pay for groceries, utilities, mortgage, car, and maybe even student loans?

Does he think that all you have to do is push a button on your smartphone, and he can have all the toys and other goodies that he wants?

Or maybe he thinks that your debit/credit card has a limitless amount of cash.

Would you like to find out how to increase his understanding of finances?

Check Out This Conversation That Sarah And Ashley Had Recently On This Topic

Ethan and Tyler, both eight years old, were busy playing. Typical boys, they were bouncing on the chairs and being superheroes. Tyler was excited to play with Ethan’s new Marvel Ultimate Protectors Figure, 8 Pack action figures.

He decided that he wanted the action set too, so he ran to his mother to beg her to get it for him.

“Please, Mom, please?” begged Tyler.

Sarah, Tyler’s mother, replied, “That would cost me over $40. I can’t get you every toy that you see. We have bills to pay too.”

“But Ethan has the set, so you must be able to afford it too,” whined Tyler.

Just then, Ethan said, “Oh, I budgeted for it from my allowance. It took me 12 weeks to get it, but I was so excited that I could save up enough money.

That’s how I also got my LEGO Star Wars 501st Legion Clone Troopers 75280 Building Kit. I set up a budget, and after eight weeks, I had the $24 I needed.”

Sarah looked at Ethan’s mom, Ashley, and asked, “How did you manage to teach him that? Isn’t he too young to understand how to budget? I mean, even I struggle with it.”

Ashley smiled and said, “I have a secret weapon that helps me teach financial skills to Ethan, and he thinks we are just playing games. It has even helped me improve my financial skills.”

“Can you share your secret weapon with me? I would love to have Tyler learn not to beg for toys and other nonessentials. Having him save his own money would be great.”

 The U.S. is 14th in the world in terms of financial literacy.

22% of U.S. teens feel they do not have the background to do basic things like building a budget for beginners. And they will be expected to handle rent, car payments, and student loans in only a few years.

Most Schools Don’t Teach Financial Literacy

If you checked with most public (and private) schools in the U.S. right now, they would not be able to show you a curriculum for teaching children and teens the basics of managing money.

Do you know what the basics are? Let’s look at the list:

  • Recognizing and understanding the value of coins and bills
  • Being able to give exact amounts to pay for a service or product
  • Understanding how to make change
  • Creating a budget
  • Knowing how to pay bills
  • Opening a checking account
  • Balancing their checkbook
  • Setting up a savings account
  • Setting up an investment account
  • Understanding their credit score
  • Applying for a loan or a mortgage
  • And more!

Only 57 Percent Of U.S. Adults Are Financially Literate

Financial illiteracy has led to the current debt crisis in this country. According to, “Overall, the average American owes $92,717, and while a lot of that is nonrevolving debt, like mortgages and car payments, it also includes credit card debt.”

The National Foundation for Credit Counseling reports that 15% (1 in 7) of adults roll over $2,500 or more in credit card debt each month. That means that they put off paying on it repeatedly.

According to PWC (global accounting firm), 42% of millennials took out at least one alternative financial service.

These are businesses such as check-cashing outlets, money transmitters, car title lenders, payday loan stores, pawnshops, and rent-to-own stores.

The result would be more interest debt than if they could have used a traditional bank or credit union or if they could have budgeted more effectively.

You may also be having the same issues.

But you don’t want your child to experience the same financial insecurity due to low financial literacy and skills.

Imagine your child being able to finance college with little to no loans. Starting in elementary school, he had planned to put money aside from his allowance to cover his future education costs.

As he reached his teens, he could get a job, allowing him to put more money aside.

But he also budgeted for fun things since he was also a kid who wanted new toys.

With your help, he opened a 529 college plan that he, you, and relatives all contributed to rather than giving lots of toys for birthdays and Christmas.

Maybe you are one of the many adults struggling with money management. How do you teach your child financial skills that you don’t even know? You can instruct your child and yourself simultaneously with the help of the app Budget Brainiacs.

So, What Is Budget Brainiacs?

Budget Brainiacs is an online membership club that provides your child with various activities to build his financial awareness and literacy skills, allowing him to feel more confident in managing money.

Geared for ages 10 through high school, this app reviews earlier money skills that your child should have learned from ages 7-to-9 years. It then introduces your child to budgeting for small and large purchases.

Your child will want to learn about money and finances with action video games that provide actual reward points. Your child can use these points to buy products, such as backpacks and hoodies from the online store.

He will be astonished to learn about the steps from working to being paid to purchasing what he wants, based on video stories about kids just like him.

He will also be able to take part in online classes with other kids to learn about different topics such as:

  • Budgeting and how it helps you get the products and services you want
  • The value of having a savings account
  • How to open a checking account and keep it balanced
  • Applying for a job and filling out tax materials
  • How to apply for a credit card and not max it out
  • How to apply for a FASFA college loan, understanding the limits and the repay with interest requirements

There will even be quizzes that will help him know what he must go over again to be financially literate.

Budget Brainiacs resulted from a mother concerned about her children not understanding the connections between working, money, and purchases. As a banking executive with an MBA in financial management, she dealt with clients daily who did not have the financial literacy to understand how bank accounts, loans, and interest expenses affected their lives.

She worked with her children and those of her friends and colleagues to figure out how to develop an online program that would keep them interested while providing them with the knowledge to increase their financial literacy.

The Results Have Been Great!

National banks such as Wells Fargo, Chase, and Bank of America have all given it a 5-star rating after working with teens who have used Budget Brainiacs to set up checking and savings accounts and student loans.

The bank loan officers noted that these teens better understood what each of these financial products was and what was needed to make them work than many adult clients.

Parents Love Budget Brainiacs Too

Just check out these testimonials.

“My local mommy group has done a lot of research to try and find programs that teach our kids about money. Most websites are too boring or too cartoon-y/childish. We needed something for older kids (tweens), which was very hard to find. Then we came across Budget Brainiacs and all I can say is HOORAY! Each of us enrolled in the club and our kids love earning points for stuff they really want…while also learning how to budget for things and avoid debt. Thank you!!”

                                                                                                                           --- J. Sanders

“I’m a professional mommy blogger who gets about 30,000 hits on my website each month. Based on the comments on my blog posts about Budget Brainiacs, you have a home run! My readers are very enthusiastic about this club. Their kids are buzzing about the points they can earn for cool prizes…but also, they talk about how dumb it is to rack up debt and how you should plan ahead for big expenses. These comments are coming from 13-year-olds! WOW! So glad you’re out there. Thank you.”

                                                                                                                           --- H. Walters


You are probably wondering how to join Budget Brainiacs to jumpstart your child’s financial skills. You want your child to feel more confident of himself economically. You want him to know how to manage financial decisions with no worries about how he is going to afford a house, a car, his kids’ education.

Budget Brainiacs will help your child to reach these goals. And it will be affordable. You won’t have to spend hours trying to find out ways to teach your child about savings, interest, stocks, and handling monthly bills, especially if you happen to be struggling in some of these areas.

Budget Brainiacs club membership is available for $20/month.

This membership is a family membership, so whether you have one or a dozen children, it will still be $20/month. It is available for your desktop and also for your cellphones.

With this membership, your child will have access to videos, games, and quizzes to help him understand budgeting and help him begin saving for his first desire, be it an action hero or a 5-speed bike.

  • You will be able to tie his allowance to his chores, learning how to help him understand the cause and effect of work to pay.
  • Your child will have simulations to teach him how to open up a savings account or a checking account and track his expenses.
  • And your child will be earning Reward points to exchange for actual products in the online store!

Budget Brainiacs is the most outstanding education you can provide to your child that he will likely not realize is education.

The best part is your child will no longer beg you to buy things on impulse at the store. He will know that he will need to set up a budget to earn money.

As an added bonus for signing up for Budget Brainiacs, we will send you a copy of our guide, Organizing For Success. This guide will provide your child with the understanding and skills to keep his room, backpack, and school desk organized. You will be amazed at how quickly he stops asking you where he put his things.



Try it for 30 days. If you or your child is not thrilled with the club, just let us know, and we will refund your money.

After the 30 days trial, if you later decide that you no longer want to be part of the Budget Brainiacs club, simply cancel, and you will have no further charges.

Order now and see your child develop super money management powers.

BUTTON: Make My Child A Money Genius Now!



Order your family membership to Budget Brainiacs now and get ready to see your child’s financial knowledge explode.

You will be amazed at how quickly he learns how to budget his money for what he wants.

He will be more willing to do his chores using his pay to save for what he wants, rather than spend it impulsively

He will impress his friends with his ability to get great gear and go places without begging his parents for money.

After he learns these financial skills, you can be more confident that he will be able to manage his money as he grows older. Here are a few of the skills he will learn:

  • Budgeting for small and large purchases
  • Maintaining a savings account for long-term investments
  • Keeping his checking account balanced
  • Responsibly using credit and debit cards

We guarantee that you and your child will love this club and how it improves your child’s ability to feel responsible and mature, as he earns money himself for what he wants. But, if you or your child are not satisfied during the first 30 days, email us, and we will refund your money.

After the first 30 days, if you decide you want to cancel your membership, email us, and we will cancel your membership. No problem and no hassles.

But we are confident that you will find the $20/month membership fee is well worth it as you and your child develop improved financial literacy skills.


P.S. Remember, in addition to becoming a member of Budget Brainiacs, you will also receive a copy of Organizing For Success. You will feel like you have a different child once he understands and applies the skills of organization to his schoolwork and bedroom.

Even if you cancel in the first 30 days, this guide is still yours. Enjoy the neatness that you thought would never happen to your child’s bedroom.





Subject Line:  The Secret to Making Your Child Better at Managing Money Than Most Adults

Dear Parent,

Did you know that almost half of U.S. adults are considered financially illiterate? That means that they struggle with the money management skills needed to manage both saving money and spending money.

Most of these adults have developed their financial habits by 7 years of age.

Yes, I said 7!

How would you rate your child’s financial skills?

Would you like to know how to improve his financial skills so that he isn’t struggling in adulthood like half of U.S. adults?

Check out this innovative online membership club which will instruct your child on everything from budgeting to applying for student loans.

Financial institutions, such as Wells Fargo and Bank of America, have highly rated Budget Brainiacs.

Don’t hesitate. Check out this program before your child’s financial habits can’t be undone.


  1. P. Unum

Director of Finances

Chase Bank

BUTTON: I Want To Know More