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Budgeting worksheets teach kids to fill in boxes, not to make trade-offs. A real card with a real monthly limit does the teaching for you. Here's the method I used with my own daughter.
Cash teaches scarcity. Digital teaches modern money. The right split for an Indian kid sits somewhere in between — and depends on age more than ideology.
The same ₹1,000/month buys a very different month in Bandra vs Indore. A city-by-city framework for setting pocket-money amounts that match where your child actually spends.
An age-by-age framework for Indian families — what amounts make sense, what they should pay for, and the rules that decide whether pocket money becomes a real money lesson or just a transfer.
The patterns we see most often in Junio onboarding chats. Each mistake is well-intentioned. Each one quietly teaches the wrong lesson.
It feels like fair motivation. The data and the lived experience say otherwise. Here's why it backfires, what to tie it to instead, and the rare case where some version of it actually works.
