The most important financial lessons happen earlier than you think. Research in developmental economics show that core financial habits and attitudes are largely set by age seven. That makes the early years not a warm-up for financial literacy - they are the foundation on which everything else is built. If your child is in Grades 1 through 3, your in exactly the right place, at exactly the right time. Money Smart Nation's early grades teach three ideas that are the entire philosophy of personal finance : money comes from work, savings require patience, and needs come before wants. Simple enough for a six year old to understand. Powerful enough to shape a lifetime of financial decisions. Welcome to the Early Learners community. The best time to start is right now. - - William, Founder, Money Smart Nation