Overview

• New Serasa–Opinion Box research released in October finds that half of parents in Brazil begin discussing money with children before age 8.
• Specialists recommend an age‑by‑age path: symbolic concepts at 2–4, money as a medium of exchange at 5–6, budgets and basic financial systems at 7–11, and from 15 onward topics like investments, interest and credit.
• A weekly allowance is advised to start around ages 6–7, with a suggested baseline of about R$1 per year of age per week and the Mesada Consciente split of 70% spending, 20% goals and 10% donation.
• Guidance stresses that allowance money should not cover essentials, should not serve as emotional compensation, should remain predictable for learning, and should move from physical cash in early years to parent‑linked digital accounts around 10–11 once concepts are understood.
• Banks and NGOs highlight free, playful tools for families, including an ebook from Rico, Sicoob’s Financinhas books with audio and Libras access, Sicredi’s Turma da Mônica videos, an Institute Marina e Flávio Guimarães story, and a Banco do Brasil educational game on Roblox.