We have always stressed saving with our kids, from their birth on. We have always put their money in their own savings accounts from birth on. When they start earning allowance, then we start dividing up their gift money and allowances into 10% tithe, 50% savings, and 40% spending. (I personally think that at their ages 40% spending is WAY too much - my oldest is only 8, though. LOL) My oldest has about $1500 or so in her savings account, plus quite a bit of spending money she hasn't spent yet. The other 3 kids have less than her in savings, according to their ages compared to her. I *think* they understand why we do it this way, and I try to show them how I divide it (although sometimes I just have to do it myself because we're in a hurry - bank is 45 min. away - long story). I do need to get better at that... 
