It’s never too early to start having a conversation with your kids — whether they’re in elementary school, high school, or college — about smart ways to navigate finances. Starting the conversation earlier on will help to create healthy money habits as they grow, ultimately benefiting their financial future.

To help you get started, here are tips that make it easier for kids of all ages to learn how to save, budget and begin managing their finances more independently:

1. Start the conversation

It’s never too early to start talking about money in a realistic way so kids can understand how it’s used to support your lifestyle and help you achieve your goals and dreams. Begin the conversation in an age-appropriate way that highlights ideas, such as knowing the difference between needs and

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