Raise a kid who's actually good with money.
Five minutes a week. One family money ritual. Monty O'Clock helps kids review what came in, decide where their money goes, check their goals, and learn 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.
Five 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 DetailWhat started to change after 4 Monty O'Clocks?
One family. Four 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.
Many kids' money products focus on giving children a debit card. Monty focuses on the thinking that happens before and after money moves.
Debit-card-first
- Helps kids spend
- Records transactions
- Focuses on payment
- Gives access
Monty
- Helps kids think
- Reviews decisions
- Focuses on habits
- Builds judgment
A debit card records what your kid spent. Monty helps them understand what they learned from it.
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.
Try four Monty O'Clocks with your family.
Four real money conversations. No credit card required.
First 250 families: $149 once, free until your youngest graduates. 63 of 250 spots left →