Hello and welcome to another edition of Mini Millionaires.

We’re diving into how to teach kids about financial priorities with a Mindset to Cultivate, a Habit to Form, and a Tip to Try.

If you’re new or you’ve missed any of our previous editions, catch up on every issue right here.

Thanks for every mail, reply and DM. We’ve loved hearing all about your mini millionaires journey. Feel free to hit reply, introduce yourself, and tell us what you’d like to learn about next as you shape the next generation of money masters.

Let’s get into how to teach kids about financial priorities.

For kids, money starts burning a hole in their pocket the moment they get it.

They want to spend it all. But in real life, it doesn't work that way. 

The average middle-income earners in South Africa spend nearly 80% of their salary within five days of getting paid.

So families have to decide between spending money on cool stuff they want, and paying for all the important stuff like food, water and electricity, and the bond/rent for their home, (not to mention stuff like petrol, school fees etc etc).

If people spent money on whatever they felt like, many homes would be empty, or without electricity or food.

Learning about setting financial priorities is an important skillset to teach your mini millionaires.

Every "Yes" today is a "No" to a bigger goal.

Kids typically see cash as a one way street to something they want.

Just think about any time they get money. No matter the amount, they just want to go and spend it.

So frame money as this trade-off: They could spend R100 on a cheap toy now, but that means that money can no longer go toward the bike they actually want. 

We’re helping them choose something better in the long run over a lesser joy today.

Takeaway: Teach them to ask: "Is this worth more to me than my Big Goal?"

Make choices at their Money Jars, not the toy aisle.

Decision fatigue leads to impulse spending. 

Our 4-Jar System (Spend, Save, Share, Sow) helps your mini millionaire set financial priorities the moment they receive any money. 

It’s easy to take R100 and spend it all in one place (remember what Grandma used to say about that…)

But when you actually split it up into the different jars (some for saving, some for sowing, some for sharing, and then, only what’s left over they can spend), you’re helping them build the habit of wealth-building being a default setting rather than a difficult choice. 

Takeaway: Physical jars make their priorities visible.

Take 48-Hours to Cool Off.

The greatest enemy of the impulse buy, is time.

When your mini millionaire insists on a must-have item, talk to them about waiting for 48-hours before buying it. 

Studies have shown that delayed gratification is one of the most powerful characteristics of successful people.

And if they still want it after two sleeps (and can explain which jar it’s coming from), they can go ahead and purchase it. You’ll be astounded at how few purchases are actually really necessary. Because in reality, most priority purchases for kids are nothing more than dopamine spikes that fade by morning.

(And trust us when we say this, the 48-hour cool off chat is WAY easier to have at home looking at their 4 Jars, than stand in the toy or sweet aisle with all these awesome bright stuff grabbing their attention.)

Takeaway: Slowing down the buy button builds emotional regulation.

We’ve polished up our free Money Jars resource, and it’s ready for your mini millionaire to learn how to plan out their money by helping them visualise their financial priorities using our easy-to-use 4-Jar System:

💳 Spend: For everyday fun.

🐷 Save: For big future goals.

🫶 Share: For giving to others.

🌱 Sow: For investing and growth.

It helps them see how every Rand has a purpose, and is the perfect tool to build the muscle memory of a future money master. 

Download it, print it out, let your mini millionaire colour it in and stick it on their very own money jars to take their money planning to a whole ‘nother level.

Is your school ready to make EMS fun again? 

Fintr4Schools is a world-class, gamified digital platform designed to transform the Grade 7–9 Economic Management Science curriculum. 

With an impressive 93% pedagogical rating from Education Alliance Finland, our superhero-themed narrative and interactive exercises turn abstract concepts like the accounting equation into an engaging adventure.

Pssst! Fintr was also recognised as one of the 2025 HolonIQ Africa Top 50 EdTechs, together with several other South African EdTechs.

Aligned fully with the CAPS curriculum, Fintr4Schools equips learners with essential life skills while making teacher administration an absolute breeze. 

Fun for kids. Effortless for teachers. It’s a win-win for all. 

So whether you're a teacher, HOD or school principal, or even just a parent on a mini millionaire journey, chat to us to join the movement to boost financial literacy in South Africa and get Fintr4Schools in your school, just like Laerskool Stellenbosch.

“Fintr provides focused programs on money skills that students actually need when they go to high school and university. It's a good thing to use Fintr as a tool in the classroom."

Josua Swanepoel

Vice Principal & EMS Teacher, Laerskool Stellenbosch

Last week we asked how your mini millionaire currently tracks their money army, and it would seem like parents are their mini millionaire’s money army…

🟨🟨⬜️⬜️⬜️🕳️ We put it in a jar/bank and forget about it.

⬜️⬜️⬜️⬜️⬜️ 🧠 They have a rough idea of what they have.

🟨🟨⬜️⬜️⬜️📈 We use a chart, app, or jar with clear markers.

🟨🟨⬜️⬜️⬜️🏆 We already have a weekly scoreboard habit. 

🟩🟩🟩🟩🟩 🤦I am the money army.

What you said: 

“I am the money army, but I'm LOVING this week's free resource to keep score of their money across the 4 jars. Thank you.”

JM

Ah, we’re so so glad to hear that 💜. If you’ve got any topics you and your mini millionaire would like to know about, hit reply and let us know.

What’s been your mini millionaire’s favourite lesson they’ve learnt from our newsletter so far?

Or is there something you’re navigating on their money smart journey right now you’d like us to talk about in an upcoming feature?

Hit reply and tell us. We’d love to know.

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