Guides for parents

Short answers to questions parents keep asking: how much to give, how to split it, and whether a youth card is required. Oshik is a journal. Real cash stays with you.

How Much Allowance to Give Kids by Age

Age-based allowance starting ranges, weekly vs monthly, and what the money should cover. A family conversation starter, not a price list.

The 3-Track Allowance System: Spend, Save, Invest

How to split kids’ allowance into three tracks: Spend, Save, and Invest. Checking, a parent-funded locked deposit, and index simulation with zero bank risk.

Youth Debit Card vs Family Money Journal

Compare youth debit cards and banks, cash jars, and a closed allowance journal with no card and no bank link.

How Much Interest to Put on a Kids’ Savings Lock

Allowance deposit interest is a parent-funded bonus, not bank yield. How much to pay, how to calculate it, and when it is too high.