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  • How Kids Learn About Digital Payments and In-App Spending

    How Kids Learn About Digital Payments and In-App Spending
    2026/06/06
    In Episode 35 of Teaching Kids About Money with Fexingo, Lucas and Luna tackle a modern parenting challenge: digital payments and in-app spending. With kids growing up in a world where money is invisible—just taps and swipes—how do we teach them that real money is leaving their parents' accounts? Lucas breaks down the concept of 'digital detachment' using the example of a child buying a $2.99 skin in a mobile game, and explains why the three-jar method of saving, spending, and sharing still works even when the jars become digital. They discuss practical strategies like using prepaid debit cards for kids, setting spending limits, and having 'digital allowance' conversations. The episode also touches on the psychology of frictionless spending and how parents can create small moments of pause before a purchase. By the end, listeners will have a concrete framework to help kids understand that digital money is just as real as cash. #DigitalPayments #InAppSpending #KidsAndMoney #FinancialLiteracy #Parenting #Allowance #PrepaidCards #MoneyLessons #FrictionlessSpending #DigitalDetachment #Finance #TeachingKids #FexingoBusiness #BusinessPodcast #LucasAndLuna #FamilyFinance #SpendingHabits #MoneyMindset Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How Kids Learn About Bargains With a Yard Sale

    How Kids Learn About Bargains With a Yard Sale
    2026/06/06
    Lucas and Luna teach kids about the concept of bargaining and finding value through the classic yard sale. Using a real-world example from a neighbor's Saturday sale, they explain how kids can learn negotiation skills, the difference between price and worth, and when to walk away. They also tie in a simple lesson on supply and demand, all while showing how a yard sale is a perfect low-stakes environment for financial literacy. Plus, a quick behind-the-scenes note on how listener support keeps this show ad-free. #KidsAndMoney #FinancialLiteracy #YardSale #Bargaining #NegotiationSkills #SupplyAndDemand #Value #Price #FrugalLiving #MoneyLessons #ParentingTips #TeachingKids #Finance #FamilyFinance #FexingoBusiness #Fexingo #BusinessPodcast #MoneyTalks Keep every episode free: buymeacoffee.com/fexingo
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    5 分
  • How Kids Learn About Needs Versus Wants

    How Kids Learn About Needs Versus Wants
    2026/06/05
    In this episode of Teaching Kids About Money with Fexingo, Lucas and Luna explore how parents can teach children to distinguish between needs and wants—a foundational financial literacy skill. Using a relatable scenario involving a new video game and a budgeting decision, they discuss practical strategies like the three-jar method and the 24-hour rule. The hosts share real examples from their own households and explain why this distinction matters for avoiding impulse spending and building financial discipline. Perfect for families looking for actionable ways to start money conversations with kids. #FinancialLiteracy #KidsAndMoney #NeedsVsWants #Allowance #Budgeting #ParentingTips #MoneyMindset #ImpulseSpending #ThreeJarMethod #Savings #Spending #Sharing #FamilyFinance #Education #Finance #FexingoBusiness #BusinessPodcast #TeachingKids Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • Teaching Kids About Budgeting With the Three Jar Method

    Teaching Kids About Budgeting With the Three Jar Method
    2026/06/05
    In this episode of Teaching Kids About Money with Fexingo, Lucas and Luna explore how the simple three-jar system—saving, spending, and sharing—can teach children foundational budgeting skills. They break down why the method works for ages 5 to 12, how to set up the jars, and what to do when a child wants to spend all their money on a toy. Drawing on real-world examples from a family in Austin, Texas, they discuss the psychology of delayed gratification and how the sharing jar builds empathy. The hosts also tie the lesson to broader financial concepts like compound interest and charitable giving, offering practical tips for parents to implement today. Perfect for families looking to make money conversations hands-on and engaging. #TeachingKidsAboutMoney #FinancialLiteracy #KidsAndMoney #BudgetingForKids #ThreeJarMethod #SavingSpendingSharing #AllowanceTips #ParentingFinance #MoneyMindset #DelayedGratification #CompoundInterest #CharitableGiving #FamilyFinance #FexingoBusiness #BusinessPodcast #Finance #PersonalFinance #MoneySmartKids Keep every episode free: buymeacoffee.com/fexingo
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    10 分
  • How Kids Learn About Diversification With a Pizza Shop

    How Kids Learn About Diversification With a Pizza Shop
    2026/06/04
    In this episode of Teaching Kids About Money, Lucas and Luna explore diversification through a kid-friendly pizza shop example. They explain why putting all your money into one business—like a single pizza shop—is risky, and how spreading investments across different slices (stocks, bonds, real estate) reduces risk. Using the analogy of three pizza shops with different toppings and locations, they show how diversification smooths returns over time. Lucas shares a surprising stat: a diversified portfolio of 60% stocks and 40% bonds historically returned about 7% annually with less volatility than 100% stocks. Luna challenges whether kids can grasp the concept, and they discuss practical ways to teach it, like using a mock portfolio of three different index funds. The episode also includes a brief, sincere mention of listener support via buy me a coffee dot com slash fexingo. Perfect for parents wanting to raise financially literate children. #Diversification #KidsFinance #FinancialLiteracy #ParentingTips #InvestingForKids #PizzaShop #Portfolio #RiskManagement #IndexFunds #Stocks #Bonds #RealEstate #TeachingKids #FexingoBusiness #BusinessPodcast #Finance #JuniorInvestors #MoneySkills Keep every episode free: buymeacoffee.com/fexingo
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    7 分
  • Teaching Kids About Opportunity Cost With a Saturday Afternoon

    Teaching Kids About Opportunity Cost With a Saturday Afternoon
    2026/06/04
    In Episode 30, Lucas and Luna explore how to teach kids about opportunity cost using a simple, relatable example: a Saturday afternoon with four choices—a friends' pool party, a video game, a science museum trip, and helping a neighbor for $20. Lucas explains the concept through the 'Spiderman rule': you can only be one Spiderman at a time. They break down how to run the 'decision matrix' with a child, weighing fun, money, and regret. The hosts discuss why opportunity cost is the bedrock of good financial decision-making, not just for kids but for adults too. Luna shares a story about teaching her niece with a candy store scenario. Lucas ties it back to big life decisions like choosing a career or buying a house. This episode offers a concrete framework parents can use immediately—no lecture, just a conversation starter. #OpportunityCost #KidsAndMoney #FinancialLiteracy #Parenting #TeachingFinance #DecisionMaking #FamilyFinance #ResourceAllocation #SpidermanRule #SaturdayAfternoon #TradeOffs #MoneyMindset #ChildDevelopment #LifeSkills #Education #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    7 分
  • Teaching Kids About Inflation With a Candy Store

    Teaching Kids About Inflation With a Candy Store
    2026/06/03
    In this episode of Teaching Kids About Money with Fexingo, Lucas and Luna explore how to explain inflation to children using a simple candy store example. They discuss why a candy bar that cost one dollar last year now costs one dollar and ten cents, and how that ten-cent difference teaches kids about rising prices, purchasing power, and the value of money over time. The hosts share a concrete activity parents can do at home: a 'candy price tag game' where kids see their allowance buy less candy each month, sparking a conversation about why money doesn't go as far. They also touch on how understanding inflation early can help kids think differently about saving versus spending, and why it's a foundational concept for later lessons on investing and interest rates. Perfect for parents of children ages 6 to 12 looking for a hands-on financial literacy lesson. #Inflation #KidsAndMoney #FinancialLiteracy #TeachingKids #CandyStore #Allowance #PurchasingPower #MoneyLessons #Parenting #Education #Finance #FexingoBusiness #BusinessPodcast #LucasAndLuna #FamilyFinance #ChildrensFinance #MoneyTalks #EconomyForKids Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How Kids Learn About Salary Negotiation Through Allowance

    How Kids Learn About Salary Negotiation Through Allowance
    2026/06/03
    In this episode, Lucas and Luna explore how parents can teach kids the skill of salary negotiation using their weekly allowance as a training ground. They discuss a real-world example from a family in Portland where a 10-year-old successfully negotiated a raise from $8 to $10 per week by presenting a written proposal showing increased chores and completed extra tasks. The hosts break down the negotiation steps: preparation, clear ask, justification, and graceful handling of a counteroffer. They also connect this to broader lessons about self-advocacy, understanding your value, and the importance of practice before entering the real workforce. Luna shares research that women who negotiate their first salary earn up to $500,000 more over a career, making early practice especially valuable for girls. The episode ends with a light discussion on how parents can role-play negotiation scenarios with kids to build confidence. This is episode 28 of Teaching Kids About Money with Fexingo. #SalaryNegotiation #KidsAllowance #FinancialLiteracy #Parenting #MoneySkills #NegotiationTips #ChildDevelopment #AllowanceNegotiation #TeachingMoney #FamilyFinance #KidsAndMoney #SelfAdvocacy #GenderPayGap #EarlyEducation #LifeSkills #FexingoBusiness #BusinessPodcast #Finance Keep every episode free: buymeacoffee.com/fexingo
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    8 分