By Ally Songstad, Billings Federal Credit Union

Financial confidence doesn’t just happen; it is built through early and ongoing conversations about money. Research shows that many core money habits are formed by age seven, making childhood an ideal time to begin teaching financial skills. Credit Union Youth Month in April is the perfect opportunity to remind members of the importance of building strong financial foundations at every stage of life.

For younger children, hands‑on tools like clear piggy banks and real‑world spending experiences help make money tangible and fun. During Youth Month, consider offering clear piggy banks to young members to help them turn saving into an engaging habit.

As kids grow, allowances, savings goals, and youth savings accounts introduce decision‑making, opportunity cost, and responsibility. Teen years are ideal for conversations about compound interest, budgeting, first jobs, and fraud awareness, while young adults benefit from guidance around credit, budgeting, and financial independence.

No matter the age, the goal is consistent: open conversations, real‑world practice, and age‑appropriate learning experiences. By starting early and reinforcing often, credit unions can help families raise children who are financially empowered. I hope your credit union has a successful and fun Youth Month!