15 JUN 2025
Our parents teach us many things, how to be well-mannered and cultured, how to cook, ride a bicycle, study well, and stay strong with a positive mindset. But among all these lessons, one of the most important is learning how to use money wisely.
This Father’s Day, let’s celebrate the way dads help us understand the value of money, how to save it, spend it smartly, and grow it for a better future. They teach us to manage money with responsibility and purpose.
Money Lessons Begin at Home
We don’t learn money habits from books, we learn them by watching our parents. Many of us grow up seeing our fathers doing things like:
- Making a list before shopping
- Comparing prices before buying
- Waiting for the right time to buy big things like a phone or bike
- Saying, “Let’s save this money for later”
- Saving first, spending later
- Avoiding unnecessary expenses
- Planning ahead for big purchases
Even small actions like checking prices in a shop or saying, “Let’s buy this next month,” teach us important lessons. These habits show us how to spend wisely and think before we buy. Over time, they help us save more and spend less.
The First Financial Teacher
While mothers often handle the daily running of the house, in many families, fathers are the first to talk about big money topics like banks, insurance, or investing. You might remember your dad saying:
- “Open a savings account.”
- “Start investing as soon as you start earning.”
- “Don’t spend all your salary, save some.”
These are not just random tips. They are important money lessons that help us make better choices when we grow up and earn our own money.
Saving Money – The First Lesson
Many kids get pocket money from their parents. Some spend it quickly, while others save it in a piggy bank. Our dads often remind us:
- “Don’t spend all your money now.”
- “Keep some aside, you may need it later.”
For instance, Abhay gets ₹100 every week. If he saves ₹20 each time, in 10 weeks he’ll have ₹200 saved! That’s enough to buy a toy, a book, or a gift, all without asking anyone. That’s the power of saving.
Investing – Start Early, Stay Consistent
Many of us first hear words like mutual funds, PPF, or shares from our fathers. At the time, it might seem confusing, but those early conversations plant a seed. Later, we understand how valuable those lessons are.
Fathers who talk about investing teach us:
- Investing is not gambling, it’s a smart way to grow money over time
- It’s better to start early, even with small amounts
- Consistency matters more than chasing quick returns
This mind-set helps us avoid “get-rich-quick” traps and focus on building long-term wealth.
Spend Wisely – Not Everything You See Must Be Bought
Dads also teach us that we don’t need to buy everything we like.
Suppose, you want a new pencil box that costs ₹150, but your old one is still fine. Your dad might say: “Why buy a new one if the old one works?”
This teaches us to use what we have and only buy what we really need. That way, we avoid wasting money.
Start Saving Early – Grow Money Slowly
As we grow up and start earning, our fathers often say:
- “Start saving from your first salary.”
- “Even if it’s a small amount, save every month.”
Assume, if you save ₹500 every month from age 20, by the time you are 40, you’ll have saved over ₹1.2 lakhs, even more with interest!
That’s how big money grows from small steps. This is called long-term saving.
Money Can Grow – Like a Plant
Dads also teach us that money, like a plant, grows when cared for:
- Saving is like planting a seed
- Adding money every month is like watering the plant
- Being patient is like giving it sunlight
After a few years, your small savings grow into a big amount, thanks to compounding, which means earning interest on your interest.
Learning About Investing
Some dads introduce us to investing by putting money into places where it can grow, such as:
- Bank Fixed Deposits
- Mutual Funds
- Public Provident Fund (PPF)
- Gold or Property
Your dad might say: “Don’t keep all your money in a drawer. Let it grow.”
In simple words: don’t just save, invest wisely.
Plan for the Future – Like Dad Does
Many fathers plan ahead for big goals, your school fees, your future college, or buying a home. They don’t spend all their money at once. They save a part of it every month for years.
They even plan for retirement, so they can live comfortably when they’re older. That’s the power of financial planning.
Money and Emotions
Our dads don’t save money just for the sake of it, they save for us. Maybe he dreams of sending you to a top college, or wants to buy you a bicycle on your birthday. These aren’t just financial goals, they’re acts of love.
So when we learn about money from our fathers, it’s not just about rupees and paise, it’s about caring for our future.
Conclusion: The Best Gift from Dad
Fathers give us many gifts, love, guidance, protection. But one of the best gifts they give is teaching us how to handle money.
So this Father’s Day, say thank you to your dad, not just for the toys and treats, but for the money lessons that will last a lifetime.
Because one day, you’ll pass these same lessons on to your own children.
