Teaching Kids to Save,
Spend & Invest
One Story at a Time
Have you ever . . .
Received money for Christmas? What about your
birthday? What about money for doing chores around the house? What
do you do with it? Do you spend it all? Find out what Katerina,
Alex, Dax and Tor learn about what they can do with the money they
receive! You will be amazed at what your money can do for you.
Save
Spend
Invest
What Your Child Will Learn
Through an engaging story with relatable characters, kids discover the fundamentals of money management
🐷
Piggy Bank = Save
Learn why saving money is important and how putting coins in a piggy bank helps dreams come true. Kids discover the joy of watching their savings grow!
💰
Coins = Spend
Understand the difference between needs and wants, and learn how to make smart spending choices. Every coin counts when you spend wisely!
🌳
Tree = Invest
Discover how money can grow like a tree when you invest it! Learn the basics of making money work for you in simple, kid-friendly terms.
Loved by Families & Experts
Authentic reviews from professional book reviewers, educators, and parents worldwide
5/5
Average Rating
10+
Blog Reviews
100%
Recommend
Perfect 5-Star Rating Across All Platforms
Featured in Professional Review Platforms
Readers Choice
"Emphasizes saving, spending, investing via peer conversation; praises parental guidance; suitable for schools and communities."
— Passion Duniya Blog
KidLitBuzz
"Realistic dialogue, relatable for kids, strong metaphor (money tree), non-preachy tone, encourages early financial education."
— Professional Review
Readers Choice
"Great for teaching kids about money; promotes questioning, critical thinking; tree growth metaphor; ideal for classroom or home use."
— official_kia4
Readers Choice
Visual money tree metaphor helps children understand compounding and growth. Smart inclusion of real-life challenge promotes immediate action."
— sakshi_rocksss
- Featured Review
KidLitBuzz Blog
"Little Money Makers opens with kids talking about money during school holidays. Alex and his two friends Dax and Tor receive money for doing jobs. Through their conversation, the book introduces these three concepts: saving, spending, and investing, all in a balanced and encouraging way."
💡 Key Insight: The dialogue is realistic and kid-friendly, making it easy for my daughter to relate to the characters. The metaphor of money growing like a tree when invested is brilliant — it helped her understand a concept that even adults sometimes struggle with.
— KidLitBuzz Review
- Featured Review
Bookish World Blog
"I found Little Money Makers to be a fantastic resource for introducing young students to the concept of money management. The authors have done an excellent job explaining about investing, saving and spending."
💡 Key Insight: The story centers around relatable characters: Alex, Dax, Tor, and Katerina. It was amazing to see the kids curious and asking questions 'Isn't saving and investing the same thing?'. This encourages readers to think critically and seek answers. It's a fantastic teaching model.
— official_kia4
- Featured Review
Sakshi's Blog
"The story features a group of three kids who discuss their experiences with money — earning it, saving it, spending it. Alex learns from his mum that investing and saving are the same. But, Alex knew they are different."
💡 Key Insight: The inclusion of a visual metaphor with the money tree — a visual image that helps children understand the concept of compounding and growth. The inclusion of a real-life challenge and an Instagram page to buy a piggy bank is a smart move that helps families take immediate action.
— sakshi_rocksss
- Featured Review
Rupa's Bookshelf Blog
"I wish I had come across a book like this when I was a child. Today's parents are increasingly focused on helping their kids begin their financial journey early, and this book is a great way to spark meaningful conversations about money."
💡 Key Insight: For children unfamiliar with investing, Alex's mom explains the concept in a simple and engaging way. She compares investing to planting a seed and watching it grow into a tree — a powerful analogy that even adults can appreciate. It's a reminder that with time and patience, money can grow through compounding.
— rupaliaggarwal332
Join Thousands of Happy Families
Don't just take our word for it — see why educators, parents, and children love Little Money Makers!
About the Authors
Two Mums. One Big Mission.
Amanda Ragkousis & Rebecca Young
Financial Advisers & Passionate Mums
Gold Coast, Australia
We're Amanda Ragkousis and Rebecca Young — financial and associate advisers based on the beautiful Gold Coast, and more importantly, proud mums. Every day in our work, we help people make smart money choices, but at home we started noticing something worrying.
Our own kids — and so many others — were getting money for birthdays or special occasions, and the very first question they were asked was, "What are you going to spend it on?"
Find out what Katerina, Alex, Dax and Tor learn about what they can do with the money they receive! You will be amazed at what your money can do for you.
Save a little. Spend a little. Invest a little.
One day at work, we started talking about it — and that's where Little Money Makers was born. We decided to write a fun, engaging storybook featuring our own children as characters, showing kids (and parents) how to split their money into three simple parts.
For us, this isn't just a book. It's a way to empower the next generation with lifelong money habits.
Inside Little Money Makers
A beautifully illustrated story that makes financial literacy fun and accessible for children aged 5-10
What Kids Will Learn:
- The importance of dividing money into three parts (Save, Spend, Invest)
- How saving helps achieve goals and dreams for the future
- Making smart spending choices between needs and wants
- Basic concepts of investing and growing money over time
- Understanding the 'money tree' concept for compound growth
- How to ask the right questions about money decisions
- Building healthy money habits from an early age
- Why it's okay to spend, save, and invest all at the same time
Perfect For:
👶Children aged 5-10 years old
🌙Bedtime reading and story time
🏫Classroom financial literacy lessons
👨👩👧👦Family discussions about money
📚Homeschooling curriculum
🎁Gift for birthdays and holidays
💬Starting money conversations early
The Complete Story
Inside the Book
Discover the magical money tree concept that makes investing simple
For Schools & Professionals
Bring financial literacy education to your classroom or practice with our comprehensive educational resources
For School
- Lesson plans included
- Activity worksheets
- Bulk pricing available
- Digital resources
For Parents
- Conversation starters
- Home activity guide
- Age-appropriate tips
- Money management tools