<prompt> Human: Two kids, 8 13. They receive a weekly allowance, have a homemade checking account at the First National Bank of Dad, and I review their accounts with them monthly, but Its not really sinking in. Any tips or tricks to get kids engaged in budgeting or help them appreciate the value of money.  <response>: Try relating the cost of things directly to their allowance. The 20 thing they want is equal to one weeks allowance, or three days of taking out the trash, etc. Better yet, if they want to save up for something, it will take three weeks of walking the dog, etc. This will demonstrate that effort reward, and move away from the idea of instant gratification. Hopefully it will make them think about whether they want to spend their hard earned money on something that is not meaningful. Dont shy away from talking about your own money too. Just because they dont pay for their soccer fees or dance class doesnt mean they cant know the cost. You dont have to say that it costs 500, but you can say that momdad worked X days to pay for the activity. Be careful not to come off like they are expensive and make them feel bad. It should be a we love you and work hard to provide for you tone, not a dont you know how hard we work tone. 