Learn2Earn Rewards!
Age 11: Future Planners
Preparing for Credit, Risk, and Investing Concepts
Your child is starting to look ahead—and not just to next weekend. This is the perfect time to introduce big-picture financial ideas that lay the groundwork for smarter money choices later. Through BayCoast Bank’s Learn2Earn Rewards program, kids will explore how interest works, what credit really means, how investing grows money, and how to weigh risks before making decisions. These tools help shape a lifelong mindset of planning ahead, thinking critically, and spending wisely.
Learn About Money Management
Start your financial literacy adventure by exploring the activities and games below. Don’t forget to take your time and enjoy the process.
Claim Learn2Earn Reward!
When complete, click the «Claim Learn2Earn Rewards!» button below and complete the form. Once verified, BayCoast will make your Learn2Earn Reward deposit into your RightStart Account within about 2 weeks!
What Your Child Will Learn:
Kids will learn the concept of interest from both sides: earning it when saving money and paying it when borrowing. The activity walks through real-life examples and encourages them to think about how small amounts can grow—or cost more—over time.
Tip: : Use your own account to demonstrate interest. Show your child how a balance grows with interest or compare it to paying more for something over time with a loan. Real numbers make the concept stick.
This lesson introduces financial risk in a safe and approachable way. Through stories and examples, your child will learn what risk means, why it matters when making decisions, and how to reduce it with things like insurance, savings, or smart planning.
Tip: Try creating a “What if?” game together. “What if your bike got stolen?” or “What if you lost your wallet?” Talk about how planning ahead (like buying a lock or saving backup money) helps reduce risk.
This comprehensive workbook brings it all together, giving your child the chance to reflect on what they’ve learned, apply real-world scenarios, and strengthen their understanding of money through activities, questions, and creative thinking.
Tip: Set aside time to work on a few pages together. Talk about their answers and let them teach you what they’ve learned. It helps solidify their understanding and build confidence. Let them take the lead but be nearby to answer questions or celebrate «aha!» moments.
Investing might sound intimidating, but this activity simplifies it into kid-friendly language and examples. Your child will explore the concept of growing money over time, learn about stocks and compound interest, and see how small investments can build toward big goals.
Tip: Talk about things your family “invests” in—like education, tools, or savings. Use simple examples, like “If you bought one stock and it doubled, how much would you have?” to spark conversation.
This activity explains how credit works, why people borrow money, and what it means to pay it back with interest. It also highlights the importance of using credit responsibly and making smart borrowing decisions.
Tip: If your child sees you use a credit card, explain what’s happening. “We’re borrowing money to buy this now, but we’ll pay it back later—hopefully before interest kicks in!” Make the invisible visible.
Once all activities are complete, click the button below to submit your form. After verification, BayCoast Bank will deposit your child’s Learn2Earn Reward into their RightStart Account within about 10 business days.
General Tips for Success:
Celebrate Along the Way
Finished an activity? Give a high five, draw a sticker, or snap a photo. Small celebrations go a long way in building confidence and motivation.
Join In and Ask Questions
Kids learn best when you’re part of the process. Sit with them during activities and ask open-ended questions like “What does saving mean to you?”
Make It Relatable
Connect lessons to real life—like using spare change at the store, saving up for a toy, or looking at coins together after grocery shopping.
Keep It Light and Fun
Treat these activities like games, not homework. Your encouragement helps make learning feel exciting.
While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.
Neither Banzai nor its sponsoring partners make any warranties or representations as to the accuracy, applicability, completeness, or suitability for any particular purpose of the information contained herein. Banzai and its sponsoring partners expressly disclaim any liability arising from the use or misuse of these materials and, by visiting this site, you agree to release Banzai and its sponsoring partners from any such liability. Do not rely upon the information provided in this content when making decisions regarding financial or legal matters without first consulting with a qualified, licensed professional.
