Raising Money-Smart Kids: The Top Financial Literacy Books by Age

young girl with curly hair wearing a blue-and-white striped long-sleeved shirt, reading and writing on a table while holding a green pen on an open book

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If I’ve learned anything as a parent, it’s this: talking to your kids about money matters way more than we think. And you don’t have to do it alone—there are some amazing books that teach kids about money, goal-setting, saving, and smart choices.

Whether you have a curious preschooler or an eye-rolling teen, here are the best age-appropriate money books to help you raise financially confident kids.

Ages 3–5: Just Getting Started

a young boy wearing white shirt and dark pants sitting on a bed while reading a book

At this age, it’s all about stories, colors, and simple messages. You want books that show money as part of everyday life.

🟡 “Bunny Money” by Rosemary Wells

Fun, short, and full of sibling charm. Max and Ruby learn the value of budgeting while shopping for Grandma’s birthday gift. Get the book on Amazon here.

🟡 “A Chair for My Mother” by Vera B. Williams

This heartwarming story gently introduces saving after a family experiences loss. Beautiful illustrations and a great message. Get the book on Amazon here.

Ages 6–8: Early Money Lessons

two children sitting outdoors at a table, looking at each other while one is holding a blue book and the other has an open red-covered book

Now they’re asking about prices, coins, and chores. These books teach saving, choices, and basic spending habits.

🟣 “Money Plan” by Monica Eaton

A relatable, simple story that walks through a mom and daughter’s trip to the store—perfect for talking about needs vs. wants. Get the book on Amazon here.

🟣 “The Berenstain Bears’ Trouble with Money” by Stan & Jan Berenstain

Classic and still relevant! Brother and Sister Bear learn about earning and the value of money (with some funny bear chaos thrown in). Get the book here.

Ages 9–12: Deeper Money Talks

a young boy wearing a blue polo shirt sitting at a table and reading an open book while thinking

This is a great age to talk goals, budgeting, and real-life consequences. Books with activities or humor work well here.

🔵 “Finance 101 for Kids” by Walter Andal

Super clear, full of real-world examples, and explains things like investing and budgeting in a way that makes sense to kids. Get the book here.

🔵 “Lemonade in Winter” by Emily Jenkins

This picture book works well for both younger and older kids—teaches entrepreneurship, math, and handling failure. Get the book here.

Ages 13+: Tweens and Teens

teens sitting around a table in a library with open books and notebooks

Let’s be honest—teens want real talk. These books offer practical advice (without sounding like schoolwork).

🟢 “The Teen’s Guide to Personal Finance” by Joshua Holmberg

Straightforward, modern, and not boring. Covers savings, credit, and how to avoid common money mistakes. Get the book here.

🟢 “How to Turn $100 into $1,000,000” by James McKenna

Funny, realistic, and motivating. Perfect for teens with big dreams. It teaches investing and entrepreneurship in a super engaging way. Get the book here.