09/10/2026
Armani Started Learning About Money at 7. Now he is 13.
This screenshot means far more to me than $763.19.
It represents six years of financial education, conversations, discipline, mistakes, questions, and learning.
Armani started learning about money and investing when he was just 7 years old. Today, at 13, he has his own portfolio and is beginning to understand something many adults were never taught early enough: money is not only for spending. Money can be saved, invested, and put to work.
His portfolio currently shows an all time gain of $208.30, or 39.42%. I am proud of the return, but I am even more excited about the knowledge behind the numbers.
At 13, he is learning about ownership, stocks and ETFs, market fluctuations, patience, delayed gratification, compound growth, risk, and the importance of consistently investing for the future.
The goal is not to raise a child obsessed with money. The goal is to raise a financially capable adult.
Imagine the advantage children can have when they enter adulthood already understanding:
โข How to budget and live within their means
โข The difference between saving and investing
โข Why owning assets matters
โข How compound growth rewards time
โข Why markets rise and fall
โข How to avoid unnecessary consumer debt
โข Why consistency can matter more than trying to get rich quickly
โข How to make thoughtful financial decisions independently
Starting at 7 gave Armani something money itself cannot buy later: time.
And time is one of the most powerful advantages an investor can have.
A $763 portfolio at 13 may not look life changing today. But the financial habits, knowledge, confidence, and discipline being developed alongside it could be worth exponentially more over the next 50 or 60 years.
This is one of the reasons I am so passionate about WealthSmart NextGen. We should not wait until our children receive their first paycheck, take out their first loan, or make their first major financial mistake before teaching them about money.
Teach them early. Let them practice early. Let them make small mistakes early. Let them watch their money grow.
We are not simply teaching children how to make money.
We are teaching them how to manage it, invest it, respect it, and eventually use it to create choices, opportunities, and generational impact.
Armani is 13.
The portfolio is still young.
But so is the investor. And that is precisely the advantage.
Start them young. Teach them ownership. Give time and compounding an opportunity to do their work.