קלײַב אַלץ אױס

The first and most important agent is the family. Parents, grandparents, and siblings are the first people who teach us about money. For example, when a parent gives pocket money and tells the child to save some of it, that is financial learning. Children watch how their parents spend and save. They follow the same habits when they grow up. Studies show that families who talk openly about money help children make better money decisions in life.