A Cultural Shift in Financial Education

Phæt Babies

Financially Aware & Thriving — equipping families to build generational wealth, starting from the very beginning.

"One child who understands money can change an entire family line."

See Your Future

Savings Growth Calculator

$500

$100

$18

7%

Growth over time

$8k

Yr 5

$18k

Yr 10

$45k

Yr 18

You Put In

$22,100

Growth

+$22,728

Total at Yr 18

$44,828

Essential Financial Vehicles

Start these. Start now.

🎓

529 College Savings Plan

A tax-advantaged investment account designed to encourage saving for future education costs. Contributions grow tax-free and withdrawals for qualified education expenses are also tax-free.

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Start at birth — even $25/month makes a massive difference over 18 years.

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Custodial Savings Account (UTMA/UGMA)

An account opened by a parent on behalf of a child. The child takes full ownership when they come of age. Great for teaching ownership and investing early.

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Use this to teach your child about their own money and investments.

🏦

Roth IRA for Kids

If your child has earned income (babysitting, chores, etc.), they can open a Roth IRA. Contributions grow tax-free for decades — a massive head start.

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A child who opens a Roth IRA at 10 can have millions by retirement.

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Life Insurance (Whole/IUL)

Permanent life insurance policies build cash value over time. Started early for children, they lock in low premiums and can be used as a financial vehicle in adulthood.

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Some families use IUL policies as a tax-advantaged savings vehicle.

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Real Estate & Ownership Mindset

Teaching children about property ownership, equity, and passive income plants seeds for generational wealth. Even board games like Monopoly can start the conversation.

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Talk about owning vs. renting early — it shapes their financial worldview.

🤝

Giving & Stewardship

Teaching children to tithe, donate, and give intentionally creates generous, balanced wealth-builders. Generosity is a financial principle, not just a moral one.

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Give your child a "give" jar alongside their "save" and "spend" jars.

From the Founder

Words from Darlene McWilliams

Resources & Tools

What We Offer

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Books

Age-appropriate books on money, saving, and entrepreneurship.

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Workshops

Live and virtual workshops for parents and children.

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Journals

Guided journals for tracking goals, gratitude, and growth.

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Affirmations

Daily affirmations to build a wealth mindset from day one.

🖼️

Framed Posters

Beautiful, faith-rooted financial wisdom for your home.

🎮

Games & Tools

Interactive tools and games that make learning money fun.

✨

Daily Affirmations for Your Little One

"I am a builder, not just a spender."

"I save today for a better tomorrow."

"I am worthy of abundance and I share it."

© 2026 Phæt Babies · Founded by Darlene McWilliams · Financially Aware & Thriving