Most parents wonder when to give their child a debit card. But the more important question is what comes before it. Here's how to build the financial foundation your kid needs — and how to know when they're actually ready for that next step.

Children don’t just learn how money works.

They learn who they are with money.

A child who sees themselves as a saver behaves differently than a child who sees themselves as a spender.
And that identity often begins with their very first financial product.