Raising Financially Responsible Kids Starts at Home
Teaching kids the value of money doesn’t require a classroom—it begins with everyday choices at home. A recent article from Wills.com emphasizes practical steps to raise children who understand the importance of saving and investing.
UNest makes this process even more seamless. By modeling responsible saving behavior through a dedicated investment account for your child, you’re embedding lifelong financial values in your family routine. Kids don’t just learn from what we say—they learn from what we do.
Start by involving your kids in family financial discussions. Give them a clear understanding of budgeting, saving, and spending. Set goals together—whether it’s saving for a new toy, an extracurricular program, or a future college fund. Then, show them how progress builds over time with UNest’s user-friendly platform.
With UNest, parents can automate investments and turn everyday lessons into real-life results, showing children that money can grow when treated wisely. These aren’t just savings tools—they’re stepping stones to lifelong confidence and self-reliance.
Kids who grow up watching their parents save and invest are more likely to carry those habits into adulthood. The earlier you start, the more time you give them to benefit from compounding growth. And while the numbers matter, the mindset matters even more.
Give your kids more than just an allowance. Give them a financial head start.
👉 Create smart habits 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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