Helping Kids Learn Money Before It Gets Complicated
Most of us didn’t grow up learning how money really works. We figured it out through trial and error, stress, and a few hard lessons along the way. Dollar Dog Kids Club exists so your kids don’t have to. At Palmetto First, we believe kids should learn about money the same way they learn everything else in life. By doing it. By practicing. And by being encouraged along the way.
Dollar Dog (0-12 yrs)
A kids savings account with a purpose.
Yes, you can open a savings account anywhere. But not every account helps your child understand what saving actually means.
Dollar Dog is designed to help kids connect the dots between effort, choices, and outcomes. When kids make deposits, set goals, and see their progress grow, saving becomes real to them. It stops being something adults talk about and starts being something they understand.
The activities, prizes, and in-branch experiences are not the point. They are tools. They give kids a reason to stay engaged and excited while learning lessons that will stick with them long after the toy is forgotten.
For parents, Dollar Dog makes it easier to start meaningful conversations about money. For kids, it builds confidence and patience at an age when those habits matter most.
To join, simply open a Dollar Dog Kids Club Savings Account with a parent or guardian as co owner.
Real Kids. Real Lessons. Real Life.
Meet Lennox and Dylan Roth.
Lennox and Dylan are learning that saving is not about never spending. It is about making choices.
They save birthday money. They earn money by doing chores. They decide when to spend and when to wait. And little by little, they are learning that money can help them reach bigger goals if they are willing to be patient.
Lennox: “I save my birthday money and earn money by doing chores.”
Dylan: “I like picking something from the toy chest when I save ten dollars or more.”
That moment of recognition matters. It helps kids feel proud of doing the right thing and encourages them to keep going.
Lennox: “Because I really want a toy, but I want to save for something important later.”
That is a lesson many adults are still learning.
Dylan: “A humongous SpongeBob toy.”
Lennox: “The biggest Stitch toy ever or maybe a phone.”
Mom: “I’ve had an account with Palmetto First since I was four years old. My dad taught me how to save, and now I get to pass that on to my kids.”
That is what Dollar Dog is really about. Helping families build habits that last longer than childhood.
You are never too young to learn how money works and never too early to start building healthy habits.