It is not too early to give a financial advice to kids. Kids will remember the message well if you convey your messages in story. I remembered that my parents financial advice was BE A SAVER. SAVE MORE, he said. So,he bought me a piggy bank to save money. When the piggy bank was full then we went to the bank to deposit the money. Though SAVE MORE is still relevant but I think that SAVERS are not always safe. You need to downgrade the quality of your life. How low can you go low by saving? It may be best to teach kids about working smart than working hard. The video below is Pipe Line Story of Pablo and Bruno.