You’re giving Small Steps some great life lessons. It’s up to her to choose what she wants to do with that information, of course, but at least you are imparting info that can help her to learn about the value of money and things. The puppy responsibilities will be a great learning opportunity too. I wish we had done better on all counts when our three kids were young, but then again I’m not sure how much difference it would have made. They all turned out great but two are naturally thrifty and one has an enormous tendency to spend alongside a lazy streak. And they all got the same treatment regarding chores, responsibilities, and financial advice! 🤔