I'm going to include something that currently relates to them. For example, my two oldest are loosing teeth, and of course they're looking forward for the cash they'll be making from the tooth fairy. Maybe I'll start small... they gets $1 for every tooth. So I can start in the way of finances since they're already planning on purchasing toys. Maybe the problem could be, how many teeth they need to loose in order to purchase a particular toy. If it's a small toy, how much savings are they going to have left?. Will they share the cost? How much does each currently have, etc. Very basic at first, but that's pretty much the idea I think. Better than my education: 1) Go to school, 2) don't get in trouble, 3) Do you homework, without any involvement whatsoever.