Teach your kid the value of money.
Two minutes a week. Real choices with their own money. At Monty O'Clock, your kid reviews what came in, decides what each dollar does, checks their goals, and learns from what they spent.
You know you should talk to your kid about money.
The hard part is making it happen every week.
Money lessons usually happen randomly — after a purchase, when allowance is handed over, or when a kid asks for something. Monty gives those conversations a regular place on the calendar.
Pick a time. Make it Monty O'Clock.
Two minutes. Three simple moves.
See it
Review what happened with their money — allowance, chores, birthday cash, purchases.
Decide it
The child makes the next choice: split the allowance, check Spend, Save & Give, update a goal.
Reflect on it
Look back at spending and progress: was it worth it?
Monty shows and suggests. It never decides.
See Monty O'Clock in DetailTheir first paycheque shouldn't be their first chance to manage money.
Five dollars a week gives a child $260 to make decisions about over a year. Ten dollars gives them $520. Choose an amount that fits your family, perhaps from money you already set aside for small extras. Let your child decide what each dollar will do: spend now, save for something, or give to a cause they care about.
Then look back together. Was that purchase worth it? Is the goal still something they want? Would they choose differently next week? Two minutes at Monty O'Clock gives those decisions a regular place in family life, so they can reach their first paycheque with years of practice to draw on.
Parent guide: How to teach kids the value of money.
Illustrative allowance amounts per child. The money stays theirs to spend, save or give — it isn't a Monty cost.
What started to change after 5 Monty O'Clocks?
One family. Five weeks. Real money.
The strongest result wasn't a bigger balance. It was a change in how the kids started thinking about money.
“The money changed less than the thinking did.”
One family's early experience — not universal proof or guaranteed results.
- Asked how much money they had before buying
- Brought chore and other money into Monty
- Saved toward a self-selected goal
- Experienced "not yet"
- Reviewed purchases afterward
- Chose a giving goal
Spending isn't the skill. Thinking is.
Monty doesn't give your kid a debit card. It focuses on the thinking that happens before and after money moves.
At the checkout
- The money moves
- The balance drops
- The moment passes
- The purchase is done
At Monty O'Clock
- They stop and think
- They review the choice
- They notice what it was worth
- They build judgment
Some kids' cards add budgeting tools. Monty is built for what happens before and after a purchase.
Small conversations become habits.
A conversation.
A routine starts.
Patterns become easier to notice.
A year of real money practice.
Real money. Small decisions. Better habits.
Take the Monty O'Clock Monthly Challenge!
Four real money conversations. No credit card required.
First 250 families: $149 once, free until your youngest starts high school. 241 of 250 spots left →