Dream Big, Save Smart. A Journey to Money Mastery. Sergey Rybnikov

coins, I could buy my favorite carrot snacks for the next week! It felt amazing to have a plan and not run out of carrots too soon!”

      With a hop and a skip, Benny encouraged everyone to think about their own treasure maps. “Remember, spending wisely is just as important as saving! Let’s all be like Benny, the Budgeting Bunny, and create our own money maps!”

      The Great Spending Challenge: What’s Worth It?

      Excited by Benny’s story, the kids decided to take on The Great Spending Challenge! Benny gathered everyone in a circle and explained the rules. “Today, we’ll have a fun game to help us figure out what’s worth spending our coins on! Let’s see if we can find the best treasures!”

      The challenge began with each child receiving five shiny coins to spend. “Now, here’s the twist!” Benny announced. “You’ll have to decide between three options: a sparkly toy, a delicious treat, or saving your coins for something special later. Think carefully about what you really want!”

      The kids eagerly surveyed their options. Some were drawn to the shiny toys, while others could almost taste the sweet treats. Benny hopped around, encouraging them to discuss their choices. “What makes you want to spend your coins on that toy? Is it just for now, or will it bring you joy later on?”

      As they debated, one little girl named Lila raised her hand. “I really want the toy, but I know I can save my coins and buy something even bigger later!” Benny nodded in agreement, “That’s a smart choice, Lila! Sometimes waiting for something special can be more rewarding than an impulsive buy.”

      Another boy, Tommy, was torn between a yummy ice cream and a cool action figure. “But what if I can’t enjoy both, Benny?” he asked. With a gentle smile, Benny replied, “That’s the beauty of budgeting! You can think about how to share your coins across different things, or save up for something even more exciting!”

      After a spirited discussion, the kids made their decisions. Some chose to buy toys, while others opted for treats or decided to save. Benny cheered, “Great job, everyone! Remember, it’s all about making choices that make you happy in the long run.”

      As the sun began to set, Benny gathered everyone for a final thought. “Money is like a treasure chest filled with possibilities. By learning to spend and save wisely, you’ll unlock even greater adventures in the future! Let’s continue our journey in the Magical Kingdom of Money and discover even more exciting lessons!”

      With smiles on their faces and lessons in their hearts, the kids waved goodbye to Benny, ready for whatever adventures awaited them next!

      Chapter 3

      The Mysterious Land of Needs and Wants

      The Fables of Finny the Fish: What Do You Really Need?

      Deep beneath the sparkling waves of the Mysterious Land of Needs and Wants, there lived a clever little fish named Finny. Finny wasn’t just any fish; he was known as the Wise Fish of Financia! With his shimmering scales and a heart full of wisdom, Finny loved helping others understand the difference between what they needed and what they wanted.

      One sunny day, a group of underwater creatures gathered around Finny’s coral home, all excited about the shiny treasures they had seen floating near the surface. “Finny, we saw the most amazing things! Can we have them all?” a curious clam exclaimed, her eyes wide with excitement.

      Finny smiled and flicked his fins. “Ah, my friends, let’s dive into a little fable to help us understand what’s truly important! Gather “round!”

      He began his tale. “Once, a little fish named Bubbles swam through the ocean, dreaming of a beautiful pearl necklace. Bubbles saw other fish wearing sparkling jewels and thought they would make her the happiest fish in the sea. So, she spent all her time searching for pearls. But soon, Bubbles realized that while pearls were pretty, they didn’t help her swim faster, find food, or escape from predators!”

      The little creatures listened intently as Finny continued, “One day, Bubbles met an old turtle who shared his wisdom. ‘Dear fish, it’s wonderful to dream, but don’t forget about what you truly need to thrive! Your needs are like the water you swim in – essential for your happiness and survival!’”

      Finny smiled, “From that day on, Bubbles learned to appreciate the things she really needed: clean water, delicious food, and safe places to hide. She still enjoyed pretty pearls, but she knew how to prioritize her needs first!”

      With a twinkle in his eye, Finny reminded them, “Just like Bubbles, it’s important to understand the difference between needs and wants. Needs are things that keep us going, while wants are the shiny treasures that bring us joy but aren’t essential.”

      The Game of Choices: Need or Want?

      Excited by Finny’s fable, the underwater creatures decided to play The Game of Choices! Finny gathered everyone in a circle and explained the rules. “This game will help us practice deciding between needs and wants! I’ll name something, and you’ll tell me if it’s a need or a want. Let’s see how well you can navigate this underwater adventure!”

      The first item Finny called out was “food.” The clam eagerly shouted, “Need!” Finny clapped his fins. “Correct! Food is essential for our survival.”

      Next, he announced, “A new shiny shell for decoration.” The little octopus chimed in, “Want!” Finny nodded, “Right again! While a shiny shell is nice, we need food and shelter more.”

      The game continued with Finny naming various items: “A cozy home,” “A treasure map,” and “A beautiful pearl necklace.” Each time, the creatures eagerly shouted out their answers, learning and laughing along the way.

      Finally, Finny said, “Let’s add a twist! Imagine you have only five shiny coins. What would you spend them on? Choose something you need first, and then something you want!”

      The creatures began discussing their choices. The clam decided to buy food first, while the octopus opted for a safe home. They all managed to save a little for fun items, like colorful seaweed snacks and a shiny necklace.

      Finny beamed with pride. “Well done, everyone! You’ve learned an important lesson today! Needs are like the foundation of your treasure chest, while wants are the sparkling jewels you can add on top.”

      As the sun began to set, casting beautiful colors across the ocean, Finny reminded them, “Remember, understanding needs and wants will help you make wise choices in life. It’s all part of becoming a Money Master in the Magical Kingdom of Money!”

      With their hearts full of knowledge and excitement, the creatures waved goodbye to Finny, ready to explore more adventures in the mysterious land ahead!

      Chapter 4

      Earning Money: The Quest for Gold

      The Story of Gary the Grown-Up: How Do We Earn?

      As our journey through the Magical Kingdom of Money unfolded, we stumbled upon a lively area known as Jobtopia, where the sounds of laughter and the aroma of delicious food filled the air. Here, people were busy working, earning their shiny coins, and sharing their stories.

      Suddenly, we were greeted by the warm and welcoming presence of Gary the Grown-Up, who wore a bright apron and had a sparkle in his eye.

      “Hello, young adventurers!” Gary called out, waving enthusiastically. “I’m