I have been teaching my grandson like I did my own children at around 2 years old to put their pennies in a jar and when the jar is full we have a grand affair taking a business trip to our local bank and depositing their saved coins. My grandson received $10.00 for his birthday and he ran to his room and stuffed it in his jar. A "family" member thought I was too strict by not encouraging a trip to the store to purchase a plastic toy he will quickly grow tired of and ends up in a box in a closet or gifted out. I reply....well when he is out of college and has a good job...all these deposits in his jar and bank will I am sure assist him in what ever he wants or needs. I did not receive rave reviews for my lessons in savings...but I was not deterred from a lesson I was taught as a child and it WORKS!!!! Thank You Judge Judy....I really appreciate your advice and wisdom.