Here's a financial literacy app that's fun for kids. Help Joe the Monkey figure out the differences between needs and wants. Pre- and early elementary schoolchildren can learn to distinguish between needs and wants - an essential skill to becoming a money smart kid. Financial Literacy for Kids must begin early because kids as young as two are already learning the spend message. The Money Mammals can help them understand that there's more to money than spending from a very young age. Your kids can learn to "Share & Save & Spend Smart Too!" like The Money Mammals. The Money Mammals programs are banking activities for kids with a purpose. The Money Mammals line of products are designed to help kids and families get money smart and money comfortable to live happier, more fulfilled lives.