Resource hub for My First Money Journal — legaci HQ Junior
legaci HQ Junior
For Parents & Caregivers

Support Your Child's
Money Journey

Everything you need to help your child build smart money habits — right here, no downloads needed.

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Resource 01

Kid-Friendly Bank Accounts

Opening a real account makes saving feel real. Here are accounts worth looking into for children ages 6–12.

Capital One Kids Savings
No fees, no minimums, parent-controlled. A great first account to watch savings grow over time.
Ages 6+
Greenlight
Debit card for kids with parent spending controls, savings goals, and built-in chore tracking.
Ages 6+
Chase First Banking
Free account for kids with a Chase parent account. Simple, familiar, and easy to manage together.
Ages 6+
Current Teen Banking
Better for older kids ready for more independence. Includes savings pods and spending insights.
Ages 13+
Local Credit Unions
Often have youth savings accounts with the best rates and no fees. Worth checking in your area.
All Ages
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Let your child physically make a deposit and watch the balance grow. That moment builds the habit more than any lesson.

Resource 02

Allowance & Chore System Ideas

Not sure how much to give or what to tie it to? Three models that work for different families.

1
Earn Everything
Kids earn money only by completing assigned chores. Builds the earn-to-spend connection directly and early.
2
Base + Bonus
Kids receive a small base allowance plus earn extra for optional tasks. Balances security with motivation.
3
Age-Based Flat
$1 per year of age per week — a 9-year-old gets $9/week. Simple, consistent, no negotiation needed.
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Whatever model you choose, consistency matters more than the amount. Sunday evening check-ins work well for most families.

Resource 03

Family Giving & Charity Ideas

Teaching giving alongside saving builds a complete money mindset — and a bigger heart.

  • 🏺
    Giving Jar
    Set aside a small jar for donations. Let your child choose where it goes each month — this builds ownership over generosity.
  • 🎂
    Birthday Giving
    On birthdays, ask for one small donation to a cause they care about alongside gifts. Small habit, big lesson.
  • 🤝
    Volunteer Together
    Food banks, animal shelters, and community cleanups welcome families. Giving time is just as valuable as giving money.
  • 🔍
    Charity Research
    Let your child pick a cause and research it together at charitynavigator.org. They'll learn to evaluate before they give.
  • 🍋
    Lemonade Stand Fundraiser
    Classic and effective. Let them keep half and donate half. Teaches earning, deciding, and giving all at once.
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Talk about giving the same way you talk about saving — as a normal, expected part of what you do with money, not an extra.

Resource 04

Conversation Starters

Use these anytime — in the car, at dinner, or during your weekly money check-in. No right answers required.

Younger Kids — Ages 6–8
  • Where do you think money comes from?
  • What would you buy if you had $10?
  • What is something you want to save for?
  • Why do some things cost more than others?
  • What does it mean to share?
Older Kids — Ages 9–11
  • What's the difference between a need and a want?
  • If you earned $20, how would you split it?
  • What would you do if a friend asked to borrow money?
  • Why is it important to save before you spend?
  • What does it mean to build a legacy?
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Your role is to encourage, not correct. Let your child lead — the goal is thinking, not right answers.

Coming Soon

Resources for teens and older kids are in development. Sign up above to be notified when they launch.

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About

Who We Are

legaci HQ Junior was founded in 2026 by Kamille R., a financial compliance professional, creative, and lifelong learner who believes confidence, creativity, and financial literacy start in childhood.

What began as a personal budgeting system grew into a larger mission — creating interactive tools and learning experiences that help children build confidence, safety awareness, life skills, and meaningful foundations for the future.

Learn.✦Grow.✦Lead.
legaci HQ

Questions? [email protected]
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Legacy Builders Club™ and legaci HQ Junior™ are original brands of legaci HQ.