When we think about preparing children for financial success, it’s tempting to focus solely on numbers: savings accounts, college funds, investments. But lasting financial well-being is built on a much deeper foundation—core values and financial education working together.
At growing gift, we believe that when children grow up learning the right lessons about money—rooted in gratitude, patience, responsibility, and generosity—they don’t just build wealth. They build confidence, character, and a lifelong sense of empowerment.
Let’s explore why values matter—and how the right financial education strengthens them even more.
💡 Core Values Shape Money Decisions
Children absorb the way adults around them approach money, even when we don’t realize it. Values like honesty, discipline, and generosity aren’t just “nice to have”—they deeply influence financial choices.
✅ Studies show that when people align their financial decisions with personal values—like integrity and responsibility—they make more thoughtful, goal-driven choices.
🔗 Investing with Purpose: How Defining Your Values Can Help with Financial Success
✅ Open discussions about money between parents and children significantly shape how children develop financial attitudes and habits.
🔗 Why Talking About Money with Children Matters
When values guide behavior, the financial outcomes naturally follow.
📚 Education: The Missing Ingredient That Makes Values Actionable
Strong values provide the “why,” but financial education provides the “how.”
Without real-world knowledge—like understanding budgeting, saving, investing, and giving—children may struggle to turn their good intentions into smart money choices.
✅ Research shows that children introduced to financial literacy concepts early are more likely to carry healthy financial habits into adulthood.
🔗 Early Childhood Financial Literacy: A Systematic Literature Review
✅ High schoolers who receive formal financial education make significantly better financial decisions later in life.
🔗 Teaching Kids to Manage Money Yields Big Returns
✅ Financial literacy programs for young people consistently lead to better money management behaviors across saving, spending, and planning.
🔗 Youth, Money, and Behavior: The Impact of Financial Literacy Programs
👨👩👧👦 What This Means for Families
As parents and grandparents, you have a powerful opportunity to nurture both values and skills.
A child who knows that generosity and responsibility are important—and who also understands how to budget, save, and invest—will have a strong foundation for lifelong success.
That’s why at growing gift, we offer more than just financial gifts. Every growing giftTM comes paired with age-appropriate learning modules that teach real-world financial skills while reinforcing strong character values.
When you combine financial education with a values-based upbringing, you’re giving your child or grandchild something even more powerful than money: the wisdom to manage it well.
💬 Try This at Home
Spark a quick, meaningful conversation during your next family gathering:
🗣️ “If you were given $100 today, what would you do with it? How would your decision show what’s important to you?”
Pair their answers with a mini lesson—like saving for a goal, giving to a cause, or investing for growth. These everyday conversations build the mindset and the money skills they’ll need for life.
🎁 Growing Gifts That Grow with Your Child
At growing gift, we believe a true gift keeps growing—both financially and personally.
Explore how you can give a meaningful gift of stock and unlock a lifelong journey of learning, character, and financial success. Learn more here
