Two cards per page — cut apart and keep on the fridge or in your wallet!

30-Second Family Starter
Milo's Smart Spending
Ask at dinner, in the car, or at bedtime:

"If you had $5, would you spend it all or save some? Why?"

Keep the conversation going:
  • What would you buy with $5? Is that something you need or something you want?
  • Milo used to spend every coin as soon as he got it. What do you think happened?
  • What's the difference between buying something right now and waiting a week?
🛒 Smart spenders think before they buy! Penny's Learning World
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30-Second Family Starter
Milo's Smart Spending
Ask at dinner, in the car, or at bedtime:

"What's the difference between something you NEED and something you WANT?"

Keep the conversation going:
  • Can you name 3 things you NEED and 3 things you WANT? Is it always easy to tell them apart?
  • Have you ever bought something and then wished you hadn't? What was it?
  • Milo asks "Do I really need this?" before every purchase. Can you try that the next time you want to buy something?
🛒 "Need it or want it?" — Milo's most important question! Penny's Learning World
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