Most adults think of financial literacy in terms of how well they’ve planned for retirement or our performance in the stock market.  The reality is, financial literacy begins much earlier than that.  As a matter of fact, we believe it begins as young as three years old.

Over the past several years we’ve been conducting a grand experiment with our kids.  When they were just 7 & 8 years old we put them on a full budget.  They became responsible for buying their own clothing, school lunch, and luxury items among other things.  This went so well that people began to ask us how we did it.  So we wrote it all down.  Investing in Your 401k Kid: From Zero to Little Financial Genius and the associated website: http://401kKid.com are the result.