The Lil Banks program
All 12 lessons.
Free to read.
Five modules. Twelve lessons. About ninety minutes of reading total. The whole system to install pocket-money habits in your kid by next Saturday.
Module 1
Foundations
- 01→
Why Pocket Money Is the Wrong Question
The real question isn't 'how much pocket money?' — it's 'what financial brain am I building?' The Cambridge research, the parent-as-primary-influence finding, and what 12 weeks of deliberate practice can do.
Ages 3-5Ages 6-8Ages 9-12 ~8 min - 02→
Your Money Story — Parent Mindset Audit
You can't teach what you haven't examined. A ten-question audit of the money language you grew up with — and the unconscious signals your kids are already absorbing.
Ages 3-5Ages 6-8Ages 9-12 ~10 min - 03→
The Trust Foundation
Updated delayed-gratification research: kids who delay are kids who trust the environment will deliver. Why forgetting allowance day matters more than you think.
Ages 3-5Ages 6-8Ages 9-12 ~7 min
Module 2
The system
- 04→
The Five Pillars — Earn, Save, Spend, Give, Invest
Why the old three-jar system stops short, and why adding Earn and Invest changes the entire mental model your child builds.
Ages 3-5Ages 6-8Ages 9-12 ~9 min - 05→
When to Start & What It Looks Like at Each Age
Honest, age-banded guidance for 3–5, 6–8 and 9–12. Concrete and sensory at the start; entrepreneurial and compounding by the end.
Ages 3-5Ages 6-8Ages 9-12 ~10 min - 06→
How Much to Give
A simple formula, plus why used well beats 0 used badly. The five-pillar split percentages by age.
Ages 3-5Ages 6-8Ages 9-12 ~7 min - 07→
Base + Commission — The Chore Question Settled
Why 'pure earned' pocket money creates a transactional family. Why 'pure given' can create entitlement. The evidence-leaning default: base allowance plus commissions for above-and-beyond.
Ages 6-8Ages 9-12 ~8 min
Module 3
Setup and the first weeks
- 08→
Your Setup Plan
The exact order of operations: pick amount, set up jars or app, write the our money rules, hold the first conversation, run the first transfer day.
Ages 3-5Ages 6-8Ages 9-12 ~10 min - 09→
Your First Four Weeks
Week-by-week script: what to do, what to expect, where kids typically push back, how to respond.
Ages 3-5Ages 6-8Ages 9-12 ~10 min
Module 4
The wealth-building layer
- 10→
Compound Interest for Kids
The penny-doubled demo, the parent-match mechanic, and how to make compounding visible to a 6-year-old. The lesson that turns budgeters into wealth-builders.
Ages 6-8Ages 9-12 ~10 min - 11→
Teaching Earning as Value Creation
Beyond chores: helping your child see that money comes from solving problems for other people. Age-banded entrepreneurial starting points from 5 to 12.
Ages 6-8Ages 9-12 ~10 min
Bundle the whole thing? $49.
Bundled PDF (12 lessons + Our Money Rules + 4-week tracker) + fillable workbook + App Premium for year 1. Save $19 vs buying separately.
See the Family Bundle →