Small Steps, Big Impact—Why Early Financial Habits Matter
Kids Money recently underscored something we deeply believe at UNest: building lifelong money skills starts early. Teaching kids how to handle money isn’t just about allowance or chores—it’s about giving them the confidence to make smart decisions now and in the future.
That’s why UNest is more than a savings platform. It’s a tool for teaching, guiding, and modeling responsible financial behavior in a way that’s simple, hands-on, and real.
Here’s how UNest helps parents raise money-smart kids:
- Real-world lessons from real accountsWhen your child has a UNest account, they’re not just hearing about money—they’re watching it grow. You can walk them through how investments work, explain rewards, and set goals together.
- Visual progress encourages understandingUNest’s app interface makes it easy to show your child how saving and investing add up. As their balance grows, so does their understanding of compound interest and delayed gratification.
- UNest Rewards reinforce effort = rewardWith every purchase from a partnered brand, your child can see how small actions contribute to something bigger. That’s a powerful lesson in how consistency and planning pay off.
- It’s never too early to startWhether your child is 3 or 13, talking about money builds awareness. From setting a goal to save for a toy to understanding why you’re investing for college, UNest makes the conversation easy.
Kids Money.org reminds us that we don’t have to wait until high school to talk about budgets or credit. The earlier we start, the stronger the habits become.
At UNest, we help you turn everyday moments into teachable ones—while building real value for your child’s future.
📲 Empower your kids with smart money habits—start saving and learning with UNest today!
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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