Gift money hits different. It’s exciting, unplanned, and often bigger than weekly allowance. Without a plan, it vanishes. With a plan, it becomes the fuel that finishes goals and jump-starts generosity.
Set expectations before the party: “When gift money comes, you’re in charge of the plan. We’ll sort it the day after—some to Save for your goal, some to Spend for fun this week, a bit to Share, and a bit to Give if you choose.” The next day, sit down, count slowly, and talk about choices. Ask, “What percentage feels right for your goal?” Ownership matters here more than the perfect split.
If a child wants to spend most of it right away, keep the door open but widen the lens. “Great—what will you enjoy for months, not minutes?” If they’re stuck between two items, use the 24-hour pause. Put both on the wishlist and check back tomorrow. Avoid rescuing with, “I’ll just cover the rest.” Let their decision carry weight; that’s where confidence grows.
Capture the moment with a photo when the gift money completes a goal. Tape the picture by the chart and label it with the habits that helped—saving streaks, an extra job, patient choices. Then kick off the next goal while excitement is high. Rhythm turns windfalls into wins.
