How to be a Millionaire: As Explained by a 4th Grader

Are you smarter than this 4th grader?

Jenna Fink, of Frisco, TX knows her stuff. She drew the Elementary school grade category winning poster in the National Foundation for Credit Counseling (NFCC) Be Money Wi$e National Financial Literacy Poster Contest.

“The purpose of the contest is to introduce young people to the concept of financial literacy and allow them to express their understanding of it through art. This year, more than 4,000 posters were received illustrating the theme of ‘I’m going to be a millionaire because…”

Jenna beat out a bunch of other entries. And you can see why… Elementary Student Poster Winner

MillionaireEmergency FundCredit CardsWaste MoneyBudgetSpendingFrugalInvestKnowledgeOrganized

Click on each section to explore a topic further.
I’m impressed by the vast array of topics this little 4th grader touches on: frugality, budgeting, credit cards, investing. It’s all in there.

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About Philip Taylor, CPA

Philip Taylor, aka "PT", is a CPA, blogger, podcaster, husband, and father of three. PT is also the founder and CEO of the personal finance industry conference and trade show, FinCon. He created this website back in 2007 to share his advice on money, hold himself accountable (while paying off over $75k in debt), and to meet others passionate about moving toward financial independence. He uses Personal Capital to track his wealth. All the content on this blog is original and created or edited by PT.


  1. Wow a 4th grader understanding the concept of making money and budgeting money this is very impressive now only if our congress can take lessons from her. LOL

  2. Sonia Roig says

    Increible que una nina de cuarto grado haya hecho ese poster….

    I don’t believe she did it!

  3. I guess personal finance isn’t rocket science after all!

  4. Jeff@StretchyDollar says

    Cool cool! She’ll get it for sure!

  5. @FFB – Or at least her parents. 😉

  6. Ummm, new CEO of AIG? This little girl needs to be helping the banking and insurance industries!!

  7. Imagine this was the basic education 4th graders received across the board, it would change so many things.

    However it doesnt work that way so its up to us to take this advice and teach kids either our own or others.

  8. Grant Baldwin says

    Reminds me of the funny SNL video with Steve Martin: “Don’t Buy Stuff You Can’t Afford.” So simple that kids can get this ideas, but so many adults can’t grasp it!

  9. @MoneyEnergy – Thanks so much for the RTweet!

    Need to get this girl on as a guest blogger. 🙂

  10. Jason @ MyMoneyMinute says

    That is cool! Sounds like a child of a Dave Ramsey fan whose parents helped out with the homework!

  11. WOW…. Children are so wise. Lets get this kiddo a blog!

  12. MoneyEnergy says

    Nice…. just retweeted this for you.


  13. Shoot — which Baby Einstein videos did they have her watching? We need some of those…

  14. I love this. What a neat post. Even a child can understand these principles.