Passing by the third grade classrooms I heard
@GardenGerty (163232)
United States
April 22, 2025 10:35pm CST
I heard part of their math lesson, I think. The teacher was explaining to them about debit cards and credit cards. With credit cards you use their money and it just keeps adding up and you owe them more and more. Debit cards they take away that money directly from your bank.
I guess you are never too young to learn these facts of life. I only heard less than a minute of the lesson.
The real world is here.
16 people like this
14 responses
@arunima25 (90080)
• Bangalore, India
23 Apr
Financial literacy is so important and it should start at a very young age with age appropriate teaching. Financial discipline comes with this and it has to be inculcate at a young age.
3 people like this
@GardenGerty (163232)
• United States
25 Apr
I think it is easier to adapt to at that age, really.
1 person likes this
@arunima25 (90080)
• Bangalore, India
25 Apr
@GardenGerty Yes, you learn quicker. And what is learnt at young age stays forever, they get internalised.
1 person likes this
@GardenGerty (163232)
• United States
27 Apr
@arunima25 Yes, they do. The lessons are easier on us when we are young as well.
@kaylachan (77310)
• Daytona Beach, Florida
23 Apr
I wish I could say I were surprised. But, I am not. I was in high school and we did pratical math.
2 people like this
@GardenGerty (163232)
• United States
25 Apr
I hope they realize that cards really are money.
1 person likes this
@GardenGerty (163232)
• United States
27 Apr
@kaylachan It was funny to hear the kids last year in a fifth grade class. The goal of some of them was to be "a Youtuber". I wish them luck.
1 person likes this
@kaylachan (77310)
• Daytona Beach, Florida
25 Apr
@GardenGerty I am not sure how much of the lesson will sink iin, but I don't disagree with it. They're at the age where they might start asking questions. And, with the way content creation works, teenagers are self-made millionares before they finish high school.
1 person likes this
@allknowing (144756)
• India
23 Apr
Where has teaching reached I say Debit cards and Credit cards is explained to those tiny tots and yes they sure have understood. That is the level these days
2 people like this
@GardenGerty (163232)
• United States
25 Apr
If the example is good, hopefully they will learn and take it to heart.
1 person likes this
@GardenGerty (163232)
• United States
25 Apr
I think it is needed. One of our students in our structured room is actually the son of this teacher. He is fixated on electronics, etc. He will pull up an app and look at it and say "Nope, it costs money". He is autistic, so he is very focused on his likes .
1 person likes this
@GardenGerty (163232)
• United States
27 Apr
@rakski When my kids were young my friend would cash her pay check and pay with cash because she would overspend using checks. Her son, at about this age took fifty dollars out of her purse and went to the local convenience store and bought treats for his friends. Her daughter, younger, threw money out the moving car window, for fun. I have heard of kids obtaining their parents' cards and spending online.
1 person likes this
@rakski (135691)
• Philippines
25 Apr
@GardenGerty time has changed a lot. children are more prone to be exposed earlier than expected, and it has to do a lot with technology. Children using gadgets, they are much aware now of things and other stuff
1 person likes this
@GardenGerty (163232)
• United States
27 Apr
@grenery8 getting a good start in life is important.
1 person likes this
@GardenGerty (163232)
• United States
25 Apr
Perhaps more people would be financially successful, then.
1 person likes this
@celticeagle (173749)
• Boise, Idaho
23 Apr
I wonder what other important life facts the teacher imparts to the students that day. Never too young to learn.
1 person likes this
@GardenGerty (163232)
• United States
25 Apr
If we hear the message embedded in our school lessons, I bet it really helps.
1 person likes this
@changjiangzhibin89 (16905)
• China
23 Apr
I am surprised that they learn the debit cards and credit cards in third grade.
1 person likes this
@ARIES1973 (11657)
• Legaspi, Philippines
23 Apr
Financial lessons should be taught in younger children in school. I remember we were taught about saving when I was in school. That's all I could remember.
1 person likes this
@GardenGerty (163232)
• United States
25 Apr
Savings is a really good thing to learn.
1 person likes this
@DaddyEvil (146705)
• United States
23 Apr
I'm glad the school is teaching kids stuff like that now. I wish they had taught money matters when I was still in school. There are a lot of things I had to learn on my own.
1 person likes this
@GardenGerty (163232)
• United States
25 Apr
The closest I came to getting good financial education was in 8th grade Civics classes where we talked about insurances, budgeting, taxes, etc.
1 person likes this
@GardenGerty (163232)
• United States
27 Apr
@DaddyEvil I was fortunate to have some good teachers who were more aware than others.
1 person likes this
@DaddyEvil (146705)
• United States
25 Apr
@GardenGerty We never had any classes like that.
1 person likes this
@RasmaSandra (84398)
• Daytona Beach, Florida
23 Apr
I think is is good for the kids to learn the value of money.
1 person likes this
@GardenGerty (163232)
• United States
25 Apr
Me too. Having things and doing things is expensive and it is better to learn financial lessons when less is at stake.
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@GardenGerty (163232)
• United States
25 Apr
I hope this counter acts the idea that you can just spend, spend, spend with cards.
1 person likes this
@Ineeddentures (646)
•
23 Apr
I think kids get taught lots of stuff now that we never got taught in the 60,s and 70,s.
I saw an advert for a bank on the television aimed at kids from 7 years old and up.
It said most people's relationships with money start at about that age. Changed days indeed.
So maybe it's a good thing they teach them about money and credit cards etc
1 person likes this
@GardenGerty (163232)
• United States
27 Apr
@Ineeddentures I have learned some of my lessons the harder ways.
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@GardenGerty (163232)
• United States
25 Apr
If they are going to see it all around, they had best understand it.
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@Ineeddentures (646)
•
25 Apr
@GardenGerty
I totally agree and if they are taught properly and take it on the less likely they are to squander money and have debt when they are older
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