You bring the relationship. Monty brings the structure.
You don't need a finance lesson plan.
You need a simple way to make the conversation happen.
Set the rhythm.
Monty guides the rest.
Add the child.
One profile per kid, with their own jars and goals.
Set allowance.
How much, and how often.
Choose Monty O'Clock.
Pick the time of week that works for your family.
Add relevant money activity.
Gifts, purchases, and anything else that happened.
Sit down together.
Five minutes, side by side.
Coach. Don't control.
The child should make the first choice whenever possible. That can mean:
- Choosing the allowance split
- Deciding whether a goal still matters
- Deciding whether a purchase was worth it
- Choosing something to give to
- Accepting that a goal is still "not yet"
A small regret can be useful.
Monty isn't designed to prevent every poor purchase.
If a child spends their Spend money on something disappointing, the reflection can be more valuable than a lecture.
See how purchase reviews workThe failure should be
- Safe
- Proportionate
- Non-shaming
- Never tied to necessities
Show up. Let Monty run the sequence.
When it's time, Monty shows you what happened this week. You join your child and let Monty guide the sequence.
Your Monty O'Clock is ready!
This week:
- +$18 money in
- 2 purchases
- 1 active goal
- 1 purchase to review
See what changed this week
Every Monty O'Clock ends with a recap you look at together, side by side.
The purpose is conversation, not surveillance.
Take the Monty O'Clock Monthly Challenge!
Four Monty O'Clocks, your kid's real money, and five minutes a week together.