Perfect for my 4 year old. We are trying to teach her about money. I will agree that this is just three separate banks kept together with a rubber band but I love that it divides it into 3 categories: Spend, Save and Share. It helps me teach her that there is more to money than just getting it and spending it. I will say I have not looked into this program beyond getting the bank so I can't comment on any other aspects...just the bank. I also love that this is a metal bank instead of something breakable like ceramic or glass and also more durable than plastic.