Raising Financially Confident Kids Starts with You
CNBC recently highlighted a critical life skill that parents should prioritize from an early age—teaching kids about money. Financial literacy isn’t just a school subject or a future concern. It starts at home, and the earlier it begins, the better prepared your child will be.
At UNest, we know that every family wants to give their children a strong foundation. That includes helping them understand money, savings, and making smart financial decisions.
Here’s how you can use UNest to instill financial confidence in your children from the start:
- Start the conversation earlyEven preschoolers can learn about the value of money through simple lessons like saving coins in a jar. As they get older, involve them in setting goals for their UNest account, like saving for a future trip or first car.
- Make it visual and engagingUNest’s interface makes it easy to show your child how their savings grow over time. Let them see how their choices (and yours) have real impact.
- Celebrate milestones togetherDid your child’s account hit $100? $1,000? Acknowledge those moments and discuss what they mean. It builds pride and motivation.
- Lead by exampleWhen you invest in their future with UNest, you show them the importance of planning and delayed gratification. It’s a living lesson in responsibility and love.
As CNBC notes, building financial confidence is a journey. It doesn’t require a finance degree—just intentional conversations, regular involvement, and tools that support learning.
By integrating UNest into your family’s money habits, you’re not only saving for your child’s future—you’re giving them the tools to shape it.
📲 Give your child a head start in financial literacy. Start saving and learning together with UNest.
Don't just take our word for it
Hear what trusted money experts say about why UTMA and UGMA accounts can be a smart way to invest for a child’s future.
There are some tax advantages to using UGMA and UTMA accounts… Since they’re in your child’s name, the accounts will be taxed according to their tax bracket… There are no contribution limits on UGMA and UTMA accounts.
Dave Ramsey
Personal Finance Expert
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Investing for your kid’s future
Dave Ramsey
Personal Finance Expert
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...you could consider opening an account where you can dive deeper with the kids by your side. The easiest way to do so is to open a custodial account, known as an UGMA ... or UTMA ... account.
Jill Schlesinger
Emmy winning Business Analyst
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Straightforward “starter” investing account for kids
JILL SCHLESINGER
Emmy winning Business Analyst
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You can give children money that can accumulate somewhat tax-free over time... I love them (UTMAs) because they were like, trusts that you didn't need lawyers to create.... I think it's one of the better tax breaks around though. I know hunting for tax breaks may not sound very exciting, but that's how you take care of your family.
Jim Cramer
CNBC Host
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Give children money that can accumulate over time
Jim Cramer
CNBC Host
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