As parents, one of our main goals is to raise able bodied adults who can make life sustaining decisions. In our community though, teaching our children to manage finances most times end up at the bottom of that to do list. This is more circumstantial at times than intentional. If a family is struggling to make ends meet, it is nearly impossible to find the time and energy to focus on wealth building- let alone teach this trait to their children. Since children learn how to manage money based on their parent’s spending habits, it can be a hard cycle to break.

That is why books like Ayo’s Money Jar, by Charlene Fadirepo are so important. Ayo’s Money Jar focuses on its main character, Ayo, who learns not only how to manage money but also develops an understanding for the importance of the “Give, Go, Grow” rule when it comes to saving and spending. 

The book follows Ayo as he collects quarters from being helpful and completing chores. Each time Ayo collects another quarter, he recites a very cute and easily remembered jingle about how hard work will continue to make his money grow. As he moves through the book, we see Ayo learn that it is not only important to save but it is equally important to give back and invest in himself. I thought this was a very pleasant twist in the book in the way that the author breaks down these important factors in ways that a child’s mind can understand. 

Ayo’s Money Jar is an educational workbook for children ages 2-6 years old. At the end of the book, there is a Conversation Guide For Parents that includes activities and conversation starters for financially empowered parents. It breaks down key money management terms, provides money management questions based off the story of Ayo, gives a brief history on Ayo’s cultural background, and closes out with multiple money management activities that families as a whole can enjoy together. So, even as a parent if you feel intimidated about where to start when it comes to educating your children on proper money saving and spending habits, Ayo’s Money Jar provides a short and comprehensive step by step guide to lead you on the right path. 

For the book’s author, Charlene Fadirepo, this book was written with a passion and purpose of seeing our Black youth fair well financially. Fadirepo, who has an MBA in Finance, is a financial educator, financial literacy advocate, and former banker. She was frustrated with not being able to find any books that focused on financial literacy for children of color. As a mom, she knew she had to create one. Knowing that it is never too early to start teaching these critical financial education concepts, she wanted to create a book series that taught this information in a fun and engaging way that children would actually enjoy. “My overall goal is to inspire every American parent to start a household conversation about money,” says Fadirepo. 

As a mom to a budding four year old daughter, this book came at the perfect time. If you are interested in purchasing a copy for your children, you can click our link below to order directly from Amazon. To learn more information about Ayo’s Money Jar, you can visit the website here. 

As a parent, what are some ways you have started to teach your children about financial literacy? Share with us below.

With love, 


This post is sponsored by Ayo’s Money Jar. All opinions expressed are my own.