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) 2009 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 I…'”

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

MillionaireEmergency FundCredit CardsWaste MoneyBudgetSpendingFrugalInvestKnowledgeOrganized


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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. See the other winning posters and read more about the contest at the website

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Last Edited: June 26, 2017 @ 4:11 pm The content of is for general information purposes only and does not constitute professional advice. Visitors to should not act upon the content or information without first seeking appropriate professional advice. In accordance with the latest FTC guidelines, we declare that we have a financial relationship with every company mentioned on this site.
About Philip Taylor

Philip Taylor, aka "PT", is a CPA, financial writer, podcaster, FinCon Founder, husband, and father of three. He created PT Money back in 2007 to share his thoughts on money and to meet others passionate about managing their finances. All the content on this blog is original, and created or edited by PT. Read more about Philip Taylor, and be sure to connect with him on Twitter, Facebook, or Google+. Listen to the new podcast, Masters of Money!


  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. 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. 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. 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. Nice…. just retweeted this for you.


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

  14. Marjorie says:

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