It’s easy to react when our kids make questionable money choices.

But those “uh-oh” moments? They’re actually powerful teaching opportunities.

Here is the Money Reflection Guide — a gentle but effective tool that helps your child:

• Learn from their spending choices (without lectures)
• Build critical thinking skills around money
• Understand the difference between wants and needs
• Feel confident about making smarter decisions next time

This printable gives you 20 meaningful, age-appropriate questions to spark thoughtful conversations—without saying "I told you so."

Because when kids feel safe reflecting, they actually learn.

Imagine this:

Instead of hearing, “Can I get this? Can I get that?”
You hear, “I’m thinking about if this is really worth it.”

That's the kind of self-awareness that sets your child up to become a financially confident adult—one who doesn’t overspend, panic, or depend on you to bail them out later.