By Jared Gleue

Children want to feel included. It starts on playgrounds all over Ogden and grows as their social circles widen. A way adults can help foster financial inclusion is by helping them develop an understanding of money, budgeting and saving, early in their lives. 
April is National Financial Literacy Month and teaching children in Ogden about the importance of money management is the goal of the American Bankers Association’s Teach Children to Save Day on April 20.
Developing financial capability is essential for financial inclusion as children become adults. It is necessary for effective day‐to‐day cash flow management, planning for the future, and use of financial services. The stakes are especially high for people in low and moderate income communities in Ogden, as sound financial decisions can have life-altering effects.
It’s important to lay a strong financial foundation early. Unfortunately, families cannot depend on our local schools alone to sow these seeds.
A recent financial literacy test administered to more than 10,000 students aged 15 to 18 revealed an average score of 60 percent proficiency. Additionally, in three separate surveys, students chose money management as a high school-level course that would benefit their lives the most, according to the National Financial Educators Council (NFEC). Yet, only one third of U.S. states require their students to graduate having taken a personal finance class as reported by the Council for Economic Education 2018 Survey of the States.
There are easy-to-use tips and tools available to help adults prepare children for a healthy, lifelong relationship with money. For instance:
• Show younger children where money comes from and how to keep it safe.  Talk about ways to earn money. Show them your paycheck and take them to the bank while you make a deposit or let them watch you make a mobile deposit to help keep it safe when you’re not using it. 
• Demonstrate ways to earn money and save it.  Develop a chore chart and an allowance. Help them determine what they would like to save their own money to buy and how long it will take. 
• Help tweens set financial goals. Help your tween identify their spending goals and dreams. Give them tips for sticking to a saving and spending plan. 
• Help teens learn how to boost their earning power. It’s a fact — people with higher education and more skills earn more money on the job than those with less education and fewer skills. Help your teen start planning now. Education will be the most important factor, but skills like those in computers or languages, math and science, or writing do matter.
• Help your child understand the difference between needs and wants.  
On Friday, April 20, volunteers from Wells Fargo and other local banks will be visiting classrooms in Ogden and working with young people as a part of Teach Children to Save Day. It’s an important first step towards encouraging financial capability. Financial Literacy Month is the perfect time for parents to continue the conversation at home.
You can also check out Wells Fargo’s fun, interactive and free Hands on Banking® program. The non-commercial online curriculum is easy-to-use and lessons are specifically tailored by age-group. (There are lessons for adults as well.)
These are just a few of the ways you can get started. Whichever methods you choose, start now. Your child’s financial future is at stake. Getting them on the road to financial success now can increase the likelihood that the ride has as few bumps as possible.
Jared Gleue is the Community Development Officer for Wells Fargo in Ogden. As a public service, Wells Fargo provides free and engaging financial education programs without commercial content.