Financial literacy for kids isn't a subject schools teach well — which means it's largely left to parents to build from scratch. The good news is that it doesn't require spreadsheets, lectures, or a finance degree. It starts with small, repeated moments: a coin in a piggy bank, a choice between two toys, a question about why the electricity bill exists. Done consistently, these moments shape how a child will earn, spend, save, and think about money for the rest of their life.