Hey Reader,

For years, we paid our kids allowance the old-school way — cash envelopes and all. 💵
It worked beautifully when they were little. They needed to see the money to understand it.

But now my youngest is turning nine… and I realized we were ready for a change.
The world runs on debit cards and direct deposits, not crumpled bills in a drawer.

So we finally went digital. 🙌

We’ve been using this app for a while now, and it’s been a game-changer:

• 🚫 Has no monthly fees
• 💸 Sends allowance automatically each month
• 🧭 Splits into Give / Spend / Save categories automatically
• 💳 Offers debit cards (optional)
• 💰 Pays a high interest rate!!! (3.7% APR or use my code MFM to get 3.95%)

No ATM runs. No “Did I remember allowance day?” panic.
Just real-world money skills in a cashless world. 🌎

At FinCon, I met the CEO of Crew and asked all my CPA-mom questions about safety, functionality, and where they’re headed next. I walked away impressed — it’s already excellent, and the roadmap looks even better.

I moved ~$1,000 into Crew (FDIC insured) to use as our family “kids’ bank.” 💰🐖

It’s perfect for automating allowance and reimbursing each other for purchases — no need to move all your banking over now (although honestly, we might in the future because they're paying more than Ally).

👉 Learn more about the Crew App​
🚀 Use code MFM when you download the Crew app to get the boosted interest rate.

P.S. For my teen who has a job (and therefore earned income & Roth IRA eligibility), we use a different system — more on that soon . . . 😉

​

🤓 Your nerdiest financial friend,

Lisa Schader, CPA

Founder ​MoneyFitMoms.com

Want help getting your finances/investing on track? That's my passion! 🤗