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Give them opportunities to earn their allowance through completion of tasks or chores, rather than just giving them money. By working for an allowance, kids learn the concepts of spending, earning and saving. Many parents help their kids start a bank account, so they can help them learn how to set their own financial goals and save. It is never too early to provide your kids with lessons about conscientious spending habits and the value of money. By far, teaching older kids about responsible behaviors with credit cards is the most daunting of all financial lessons.