Audience: Students; Grades: 4-8; Subject Areas: Social Studies. (2013) Changes With Money and Finance In Middle School and a bit older, money will begin to play a more important role in their life. It seems as if you can't do anything without money. So earning, saving, and learning how to wisely spend money will bring more important changes in their life. Having a mature relationship with money and learning how to manage one's finances provides life-long benefits. A young person's understanding of how to become financially literate is best learned at any age if it begins now.