Three simple jobs for money.
Every dollar a child receives gets a job — spend it, save it, or give it. The child decides how to split it, every time.
One split, three habits at once
Instead of one pile of money with no plan, kids see three jars with three different purposes — spending on things they want now, saving toward something bigger, and giving to a cause that matters to them.
What kids do
At each Monty O’Clock, kids choose how to split their allowance across the three jars. There’s no required ratio — the decision is theirs.
What parents do
Parents set the allowance and family boundaries. The three-jar split itself stays the child’s call, session after session.
What kids learn
- Planning ahead
- Trade-offs
- Delayed gratification
- Generosity
- Ownership over a decision
Questions parents ask
Do kids have to split their allowance evenly?
No. There’s no required ratio between Spend, Save, and Give. A child might put everything in Save one week and mostly in Spend the next — the point is that they’re making the call each time.
Can the split change from week to week?
Yes. Kids choose their split at every Monty O’Clock, so it can shift as their goals and priorities change.
Is a fourth jar for investing available?
Investing basics is a separate, older-kid feature. Spend, Save, and Give are the three jars every child starts with.
Can parents override a child’s split?
Parents set family boundaries and allowance rules, but the three-jar split is designed to stay the child’s decision — that’s where the practice happens.
What happens to money already in a jar?
It stays there. Each Monty O’Clock only splits new money coming in — allowance, deposits, gifts — not what’s already been saved or given.
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