Virtual Reality is a new online platform that uses headset displays to fully immerse users in online environments. This unique technology has pushed boundaries and can be dangerous for kids. Recent reports detail unsafe environments and sexual exploitation within the platform. To keep kids safe, we must understand the risks that come with virtual reality. A great start to teaching tweens and teens about responsible screen use is our Social Media Readiness Course. This fully online course helps minimize the risk of digital injuries and shows tweens and teens how to avoid dangers online.
What is VRChat?
With over 80,000 daily users, VRChat is one of the most popular online social platforms.[1] When people typically think of virtual reality, they most commonly think of VRChat. According to community guidelines on its website, VRchat allows the player to be anything or anyone through 3D avatars. You can have a different face or name, and even change your voice. Players have unrestricted access to countless other users within the app.[2] Connecting to others across the web has never been easier.
Here lies the rising popularity of VRChat! Its interface brings a sense that you are hanging out with other users due to lip-syncing and other expressive avatar controls. Anything from simple hangouts to scenarios beyond imagination is accessible. For this reason, it is quickly gaining traction as the future of online social interactions. For those who have trouble socializing, the online space even provides a way to learn to combat social challenges and anxieties in the real world.[3] For many, this virtual reality chat immersion has helped change their social lives for the better.
Safety Features on VRChat
Included in the platform is a tiered system known as the Trust System. This system is integrated for all players to help identify unsafe users who aim to detract from the online experience.Labels are given and visible to all, ranging from “New User” to “Trusted User” and even “Nuisance” for the players creating a poor environment. A more favorable ranking is dependent on a variety of factors like time spent playing, content additions, and the amount of connected users. Simply put, anyone can build a positive reputation on the app by continuously playing the game without any reported negative interactions.[4]
VRChat rules state that use is not permitted for kids under 13, and those aged 13 to 17 must get parental permission to play. However, there is no online requirement for proof of age or parent permission other than a checkbox. Parental controls can restrict access to certain content. For example, unwanted avatars, specific users, and custom animations can all be toggled on or off. General safety features like muting, blocking, and reporting are also available. Additionally, a “Safe Mode” can be used which removes all users and prevents user-to-user communications. App developers encourage parents to inform their children to use these tools to limit unwanted interactions and stay safe on the platform.[5]
Lack of Protection for Kids
Despite age restrictions, child protections are weak and can be easily bypassed on VRChat. Recently, a 13-year-old girl was abducted by a 25-year-old man after several meetings on VRChat.[6] The month-long grooming process that occurred before her abduction was only made easier by the unregulated environment. After an extensive search, the child was thankfully discovered unharmed. Still, it took two long days after the child had disappeared to find her.
Research investigators have uncovered other shocking VRChat interactions. For example, by impersonating a 13-year-old girl, researchers were able to freely access a virtual strip club.[7] In this space, sexual paraphernalia was in plain sight. Some of the users were seen trying to coerce others to remove their clothing, while another mix of adult and minor characters were acting out lewd fantasies in large groups, even instructing the researcher to join in. In a separate instance, impersonators came across a 7-year-old girl being surrounded by a group of men joking about taking advantage of them, eventually having to step in to stop the harassment.
After their findings, the researchers spoke about how uncomfortable many of the situations were. Worse, they described how they felt there were few options readily available to users to combat these situations. When contacted, a spokesperson for VRChat said that the described behavior, if reported, would result in suspensions of the users and terminations of the content.[8] Furthermore, the spokesperson was adamant that user safety was a top priority for the moderation team.
It is clear that virtual reality has brought a realm of freedom and excitement to users. Yet in the wrong hands, it has enabled easier methods of coercion and deviant behaviors. In the past few years, the reported number of online exploitation of children has increased astronomically from 44,155 in 2021 to 186,819 in 2023.[9] Learning to identify the early signs of risk and help prevent this kind of catastrophe is essential. Our GKIS Online Safety Red Flags For Parents is a helpful guide that tells you what behaviors to look for in kids who are being influenced online.
Virtual reality comes with plenty of pros and cons, check out some of these other GKIS articles to get informed!
[6] Pratt, J. (2024) How the Oculus Puts Children at Risk Gabb.https://gabb.com/blog/oculus-risks/
[7] Crawford, A. (2022) Investigation of VRChat finds rampant child grooming and other safety issues BBC Newshttps://www.bbc.com/news/technology-60415317
Has your child been manipulated and exploited online? Influencing people to send nudes is an example of sexual coercion, and it happens more than you think.[1] A survey found that 36% of participants reported experiencing digital sexual coercion.[2] And too often, it happens to young teens. Statistics say one in 33 kids is approached online, but many don’t report it.[3] Too often when kids come forward, they lose their screen privileges as a result. This punishes kids for seeking help, so they learn to keep scary online problems to themselves. This is my story of being the victim of digital sexual coercion when I was only 13 years old.
He was 17, I was 13
When I was in seventh grade, my PE class overlapped with eleven graders, and that’s where I met Dale. Dale was 17 and new at our school. I was 13, friendly, outgoing, and happy to introduce myself. Dale added me on Facebook, and we began to get close. My mom didn’t even know I had Facebook because I hid it. But honestly, if she had a resource like the GKIS Screen Safety Essentials Course, I wouldn’t have been able to hide it from her. I could have skipped this whole trauma. Nothing like GKIS was around back then. I was a sitting duck.
How We Got Close
Within two weeks, Dale and I were Skyping for hours every night. It was awesome. He’d say things like, “You’re so mature for your age,” “You look a lot older than you are,” and “I wish you were older so we could hang out in public.” He made me feel desired and special. Now I know that using flattery to manipulate younger kids makes them more vulnerable to coercion.[4] But then, Dale hyping me up so much gave me a big head. I felt like I was older, more sophisticated, and smarter than kids my age. I loved the attention. I already felt like a little adult.
Over the next few months, we grew closer and closer and started making plans to hang out. He wanted to meet at a “secret” spot across the street from our school. It was at an outdoor bench in a parking lot surrounded by trees which hid us from the view. He made sure we met at different times so we couldn’t get caught. I felt like he was ashamed to be seen with me, and it hurt my feelings so much. During these hang-outs, I discovered what first and second base were. We even talked about what it would be like to have sex. It was exciting for me.
How It Took a Turn for the Worst
Eventually, Dale coached me on how to pose for provocative pictures and convinced me to email them to him. He promised not to show the pictures to anyone and even sent me some of his own. I thought it was safe because he cared about me, and we loved each other.
Unfortunately, it wasn’t long until I found out that he showed my pictures to the boys in my class because they teased me about the colors they saw me wearing in the pictures. It was absolutely horrifying! I was embarrassed. I felt betrayed. I was so sad and angry. I didn’t know what to do, so I just denied it and worked hard to keep my composure. One guy bullied me about it the whole rest of the year. It never got easy.
I was afraid to lose our relationship, so I did not make it a big deal. But I did ask him not to show the photos to anyone ever again. Some of his friends cautioned him, recognizing the age difference. Most of them were nice to me. They acted like they knew I was a little girl with an almost-man. I think some of them felt sorry for me. That was his wake-up call to how wrong it was to be with me.
When I started to feel him pulling away, I sent more pictures to earn his attention. I was completely attached and “in love.” Inevitably, he broke up with me because he was turning 18 soon and did not want to catch a case. I was shattered. I felt unworthy, unwanted, less-than, and like I was not enough. To make matters worse, he began dating a girl who was 15 years old a month after we separated. Watching him grow close to her broke my heart and left knots in my stomach. I was constantly comparing myself to her thinking I was too fat, ugly, and young. I felt used and discarded. I had a hard time focusing on school, friends, or extracurricular activities. For the next four years, I felt like I’d never be in love again. It took a toll on me and made me feel so self-conscious.
My Why
At the time, I felt so alone and misunderstood. Now I see I needed resources like GKIS. Thirteen years later, I researched “digital sexual coercion” and finally felt seen. I feel better after understanding how common this is and inspired to share my story to help other kids and parents avoid what happened to me.
After reflecting on my experience, I realized that open conversations about online interactions could have equipped me with the awareness to recognize red flags. Had I gone through the GKIS Social Media Readiness Course, I would have understood the risks of social media even among my friends. I encourage all parents to empower their children to navigate the digital world safely. This way, you can prevent your child from reliving my worst experience.
Thanks to CSUCI intern Elaha Q for writing this article. Her courage and vulnerability are so impressive. She said writing the article was a healing experience. And crazily, her older “boyfriend” recently reached out to her and apologized. But she also said that she now recognized who he was still phishing for her affection, and it felt “weird.” It made me wonder, do we ever stop feeling vulnerable after experiences like this? Thanks Elaha for being bold and brave and sharing your story.
I’m the mom psychologist who will help you GetKidsInternetSafe.
We were hunters and gatherers for 90% of human existence. That means our brains are still wired to prioritize the things that kept us alive when we were living on the land, before the domestication of animals and the construction of cities. One thing that kept us alive was living in a tribe and cooperating. Attracting a tribe and fitting in was a requirement of life. That is why kids and teens are hyper-focused on doing what their friends do and working to be cool and accepted. Online influencers count on this drive to maintain their income streams. One way to attract kids online is to be a kid doing what kids love to do, playing with toys and video games, opening new packages, and hanging out with friends acting goofy. Netflix’s Bad Influencer offers a glimpse of the kid influencer “scene,” and the lengths that some parents will go to attract and keep a following.
What is Bad Influence about?
The limited documentary series has gone viral for good reason. It’s definitely entertaining, but also deeply unsettling. It is a perfect way to raise awareness about how scary a life all about social media can be. Bad Influencer is a documentary that focuses on a tween who becomes an overnight social media star and brings her friends to stardom with her. What started out as a fun hobby quickly turned into a living nightmare. It may seem glamorous to be famous online, until you learn that the child influencers spent the majority of their childhoods working long hours acting out video ideas, risky stunts, and performing pranks that sometimes went too far—all under the pressure of adult producers/parents hungry for views. Check out Intimacy With Minors Encouraged at the Hype House for a similar story of underage exploitation.
SPOILER ALERT: The show takes a chilling turn when the mother of the main character is accused of, and videotaped, sexually exploiting these kids on set by positioning herself as one of the only adults supervising them to control them. Some survived the battle with only a few scars, while the main character is stuck living this nightmare over and over again. It may be funny, exaggerated, and attention-grabbing, but it also paints a dark picture of a digital world where clout matters more than character and children are left to pay the price.
Psychology Behind the Fame Obsession
From a psychological point of view, being an influencer is cool to children because they have a natural need for validation, attention, and social connection.[1] Although the minimum age on most social media platforms is 13, it is reported that children ranging from 8-17 are found scrolling through online platforms soaking up content too mature for their ages.[2] Sadly, unlike real-world relationships, social media platforms offer fast, unfiltered dopamine hits through likes, shares, and views. Without proper guidance, this can make kids tie their self-worth to online numbers, which can result in low self-esteem, fear of missing out (FOMO), performance anxiety, and digital addiction.[3] As a result of social unlimited social media usage, kids can also experience anxiety, depression, and even poor quality of sleep.[4] Counteract this monster and help your child build emotional resilience, red flag awareness, and digital literacy by taking our GKIS Social Media Readiness Training Course. Geared for teens or tweens, it’s the perfect giftbefore that new device or video game.
What You Can Do to Help
Bad Influencer is not just a show; it’s a cautionary tale that shares the pressures kids face online every day. It is easy to get off topic and want to pull the plug on all electronics just to protect your child from their dangers, but that is not always possible. Technology and online platforms are all around us, and it is better to set your child up for success than to try to keep them out of the loop. Connecting with your child over what they find interesting can help create a trusting relationship where you can notice if things start to become a little off. Our free Connected Family Screen Agreement can help you and your child co-create rules around how to safely navigate online platforms. This way your child can thrive in the digital age without losing themselves in it.
Thanks to CSUCI intern, Elaha Qudratulla for researching and co-writing this article.
I’m the mom psychologist who will help you GetKidsInternetSafe. Onward to More Awesome Parenting,
With streaming platforms, we have more options for viewing television than ever before. Binge-watching television has become the norm. But how do we know what is good for our kids to watch? Bluey is a show for all ages, even adults. It first came out in Australia in 2018. Then Disney picked it up and aired it in the United States in 2019. Bluey revolves around a husband and father (Bandit), his wife (Chilli), and their two daughters (Bluey and Bingo). There are elements to the program that help with parenting and problem-solving, which we at GetKidsInternetSafe support. Our GetKidsInternetSafe courses are designed to help families connect with cooperative dialogue about screen safety. For families with young kids, our Connected Family Course helps open the lines of communication and set up your home with optimum screen safety. For tweens and teens, we recommend our Social Media Readiness Course. The Readiness Course offers information to help teens better problem-solve independently and recognize the red flags of digital injury. Today’s GKIS article covers the benefits of Bluey and the drama that surrounds the program on social media.
Bluey Portrays Engaged, Playful Parents
Dads on television are too often portrayed to be oafish, heavy-set men who act foolish. We can all think of lazy father characters married to an attractive wives they take for granted but win her over with bumbling charm. Bluey represents fatherhood in a more accurate, positive light. Bandit, the father in Bluey, can occasionally be goofy. But generally, he is a loving, caring father and husband.
Chilli is a loving wife and mother. She is also shown in an independent manner. She is unafraid to ask for some time when she needs a break and is seen going out to play field hockey with a friend. She is strong and loving to her family.
The first child of Bandit and Chili is the title character Bluey. Often children’s shows have the children trying to connive their parents. A refreshing part of the show is Bluey is not trying to get away with anything. She is an energetic child that enjoys playing and using her imagination. Like many children, she has her moments, but with the guidance of her parents, she understands her mistakes.
Bingo is the youngest of the Family. She, like many, looks up to her older sibling but is often involved in the activities. She is not a pest or an antagonist, she feels down sometimes because she may not be able to keep up, but the family often acknowledges her voice.
The Bluey set typically involves kids having playtime using their imagination and involving their parents. We often see them playing make-believe where they may be at a pizzeria or playing with their mom pretending to drive a car. The parents are caring, loving, and look out for each other. This positive portrayal of playtime as an opportunity for coaching and learning is excellent parent and child training. Like the ground-breaking work of Mr. Rogers, Bluey offers useful instruction in the form of family entertainment.
With the pressures of modern life, parenting can be challenging. Although technology makes us more efficient, it also adds a lot of distractions that can get in the way of healthy family relationships. In her book Screen Time in the Mean Time, Dr. Bennett reports that psychology research demonstrates that there has been a 25% decrease in child empathy. She states that parental distraction and outsourcing parenting to screen time may be major contributors to this unwanted change. She elaborates that empathy is not innate, meaning we aren’t born with it. Instead, devoted parents model empathy for their children and instruct them verbally as their kids follow along with them day to day. She proposes that Bluey models the teaching of empathy between parent and child through imaginary play. That benefits not only the kids watching Bluey but their parents too!
Bluey Tackles Challenging Topics
Like Mr. Rogers, Bluey often brings in complex and challenging topics such as coping with death and loss, working through troubling feelings, and much more.
For example, the Bluey episode Whale Watching implies the parents drank too much at a party the night before. The parents try to avoid playing with their kids but ultimately realize how vital their engagement is, resulting in them pushing through their discomfort.
In another episode titled Stumpfest, Chilli teaches Bluey how parents also need space and adults need time with friends. The kids think the dad was mean when digging up a stump with his friends. Taking away something Bluey and her friends wanted to keep and use for themselves. Chilli explains to Bluey that Bandit’s yardwork with his friends was his playtime and bonding with his pals.
Another Bluey episode, Born Yesterday, shows Bandit acting like he was just introduced to the world. The kids enjoy showing him his new surroundings and how to perform in social settings. This episode helps viewers see how much we take social norms for granted and how to explain norms to the younger generation. It also encourages us to slow down, think simply, and enjoy the little things.
Other topics that have been addressed in Bluey include
Depression
Fear of abandonment
Divorce
Taking care of your parents
Death
Work Ethic
Teaching essential concepts like these to kids can be challenging. A great product GKIS offers to help bring the family together is our Screen Safety Essentials Course. Our Essentials Course promotes screen safety and a cooperative and positive parent-child alliance.
Online Conspiracy Theories About Bluey
Typical of the internet, there is social media drama surrounding Bluey. For example, there is online speculation about hidden adult topics within the show. TikToker conspiracy theories about Bluey include speculation that Bluey is a rainbow baby. A rainbow baby is a child born after a miscarriage. There is also speculation that one of the grandparent characters has Alzheimer’s disease and Bingo has celiac disease. An episode was temporarily banned because Bandit passed gas in Bluey’s face, referred to as a fluffy in the show. This episode got pushback, but the real lesson was about being honest and not trying to be sneaky. After viewers and parents realized this, the episode was placed back into the show’s streaming library.
If you find it difficult to play with your kids or integrate challenging topics into play, get your friends together and schedule an online parenting workshop with Dr. Bennett.
Thanks to CSUCI intern Keith Ferries for researching and writing this family-friendly article.
[1] August de Richelieu https://www.pexels.com/@augsst-de-richelieu/
[2] Cottonbro Studio https://www.pexels.com/photo/girl-in-red-dress-playing-a-wooden-blocks-3662667/
[3] RODNAE Productions https://www.pexels.com/photo/young-family-talking-to-their-parents-6148875/
Millennial parents are constantly looking for ways to “life-hack” their parenting and make parenthood a breeze. YouTube channel ‘Ms. Rachel’ is the newest of the tools parents are utilizing, and the results are astonishing. Parents all over social media are praising ‘Ms. Rachel’ for teaching their children to talk (along with teaching skills like sign language). Virtual learning tools are a great way to help supplement the education your child receives, but with screen time comes burnout. To prevent screen time burnout for your child, try our safe-screen home setup and management with our GKISConnected Family Course, suitable for parents with toddlers to teens.
Who is ‘Ms. Rachel’?
‘Ms. Rachel’ is a teacher who created “Songs for Littles,” a YouTube channel that has 3.03 million subscribers and 1.7 billion views despite only having 102 videos made since its creation in early 2019.[1] Rachel Griffin Accurso (Ms. Rachel) creates educational videos that are backed by research and learning standards important for babies, toddlers, and preschoolers with the help of a large team. Accurso has a masters degree in music education from NYU and is currently working on her second masters in early childhood education.[2]
Accurso was motivated to create the channel after her own son was diagnosed with a speech delay. Her son inspired her to create a show to encourage language development and help children reach important learning milestones.[3] Accurso employs psychological principles like mirroring and encourages viewers to follow along with her sign and body language to build speech and language skills. Mirroring involves the mimicry of reflecting speech or behavior to help children learn to develop skills on their own.[4]
Social Media Praise
Parents all over social media have sung high praise for Ms. Rachel, even crediting her for being the reason their children say their first words. Beyond just speaking, users have also shared videos of their kids expressing themselves using sign language.
TikTok user Cw1908 shared a video of her 2-year-old daughter signing and saying, “I want more milk, I want more.”[5] The comments of the video are filled with parents sharing their experiences with Ms. Rachel as well. TikTok user Yesys13 writes, “OMG! My daughter is almost 3 and has a speech delay. Mrs. Rachel has helped her communicate with us a lot easier without frustration!”[6] User Sweetness.103 writes, “I play Ms. Rachel and my baby can read for my grandbaby.”[7]
Even parents who are cautious about screen time in infanthood share their praise for Ms. Rachel and share that the benefits outweigh their anxieties. TikTok user Nataliaa_calles shared, “I was very hesitant to allow screen time with Ivy. I heard many kids’ shows become addictive. I researched a lot of different YouTubers to help my daughter’s brain development, and Ms. Rachel was the best. Ivyanah has now learned ‘momma’ (6 months old). She’s been saying it for weeks now.”[8]
Ms. Rachel’s videos seem to help both children who are just developing their language skills and those who are developmentally delayed. Comment by user Irisloc112 on the aforementioned video states, “My son has no word at almost 3. We started watching Ms. Rachel, and now he doesn’t stop talking 5 months later.”[9]
It is not just moms on TikTok who are praising Ms. Rachel. Jasmin, 27, shared with GKIS all about how her child has learned to talk with the help of Ms. Rachel’s videos. “I started playing Ms. Rachel for my son when he was about 3 months old. I heard good reviews about Ms. Rachel and how she teaches kids important skills such as speech, movements, and emotions. I thought it was a great way for my son to learn at an early stage. From watching Ms. Rachel’s videos my son has learned how to say ‘Mama’ and ‘Dada’. His first word was ‘Mama’ at 7 months old. He always laughs and talks while I have Ms. Rachel playing on the TV. I would recommend Ms. Rachel’s videos because I believe they can help many kids who are behind in speech development or any kids who are struggling to express their feelings and emotions.”
It turns out that grandparents are crazy for Ms. Rachel too! Dr. Bennett shared that she just returned from a weekend vacation with her first grandchild and said that is the one show that keeps his attention the whole time. She found herself singing along and repeating Ms. Rachel along with him. He too is signing as well as talking and singing.
Benefits of Teaching Language Early
Most infants begin babbling around 4 months of age and say their first recognizable word around 12 to 18 months old.[10] Babies learn speech through socialization and the world around them. They closely watch their parents’ reactions to sounds and conversations with others. Through this observation, babies begin to mimic and mirror the people around them.[11] The most effective way to help your child learn to speak is by spending time talking and interacting with them. However, all parents need a break, so having an occasional virtual “co-parent” can help a lot.
Delayed speech development is associated with developmental risks down the line such as academic difficulties, learning disabilities, social difficulties, anxiety, and behavioral problems.[12] By teaching your child to learn language early, you can help to avoid these risks and reap all the benefits of early language development. Research has shown that developing a large vocabulary increases creativity.[13] Language development also helps children understand and process their emotions, analyze ideas, develop critical thinking skills, and set the foundation for most future learning.[14]
If you are worried about your child developing a digital injury such as screen addiction while utilizing virtual learning tools, check out our GKISScreen Safety Essentials Course. Co-viewing the content your child is consuming and using to learn can help your child avoid burnout. When you’re tired of watching a screen, they probably are too!
[5] Watkins, C. [@cw1908]. (2023). Its time for songs for littlessss!! #MrsRachel #songsforlittles #signlanguage #Shadybaby @Ms Rachel [Video]. TikTok. https://www.tiktok.com/t/ZTRWNRVM4/
[6] Rico, Yesi. [@yesys13]. (2023). Re: Its time for songs for littlessss!! #MrsRachel #songsforlittles #signlanguage #Shadybaby @Ms Rachel [Video]. TikTok. https://www.tiktok.com/t/ZTRWNRVM4/ [7] Ronnie. [@sweetness.103]. (2023). Re: Its time for songs for littlessss!! #MrsRachel #songsforlittles #signlanguage #Shadybaby @Ms Rachel [Video]. TikTok. https://www.tiktok.com/t/ZTRWNRVM4/
Since the onset of Covid-19, many establishments have become credit card-only and no longer take cash. With this change, getting a cash allowance for doing chores or mowing the lawn is slowly becoming a thing of the past. However, it is still possible for parents to reward their children and teach financial literacy with debit cards specifically made for children. Greenlight advertises itself as a tool to help empower parents to raise financially-smart children, if you are interested in a tool to help empower you to raise digitally-smart children, check out our GKIS Screen Safety Toolkit.
What is Greenlight?
Greenlight is a debit card and money app for families that is managed by parents or legal guardians.[1] Parents are able to load money onto their child’s card and manage where, when, and how much their child spends.[1] Greenlight was first founded in 2014 and is worth 2.3 billion dollars.[2] CEO Tim Sheehan says that through Greenlight, he is teaching children financial literacy worldwide through the tools provided in his application.[2]
According to CNET, Greenlight is one of the most popular debit card apps for kids and the best choice for kids’ debit cards out of five similar cards.[3] Greenlight accumulated 10,000 users within its first five months of operation and has more than four million accounts today.[4] The Greenlight website mentions that three out of four teens do not feel knowledgeable about their personal finance, and that they were created with the mission of changing that.[5]
Features of Greenlight Debit Cards
One of the reasons Greenlight is the most popular choice among competitors is that there are a number of features that their competitors do not have.
Greenlight has three different plans that parents can choose from, each at a different monthly rate. The least expensive plan provides debit cards for up to five children and offers an educational app, core financial tools, parental controls, a one percent savings reward, fun money skill games, credit for parents, and a “lite” version of investing for parents.[6] The next plan has investing for parents, investing for kids, a two percent saving reward, one percent cash back, greenlight black card, priority customer support, and three-times protection (identity theft, purchase, and phone protection).[6] The final plan has all the aforementioned benefits plus a five percent savings reward, family location sharing, SOS alerts, and crash detection.[6]
Greenlight provides an app for both parents and kids. It is one app but allows for two different experiences.[7] Parents are able to turn cards on or off from the app, get real-time spending notifications, instantly transfer money, and control where their kids spend their money.[7] Kids using the app are able to “Level Up”, a game that teaches kids financial literacy and allows them to learn skills from budgeting to investing.[8] The games provided are full of minigames, videos, and questions that allow for learning to occur.[8]
Benefits
Financial literacy is the ability to comprehend and use various financial skills like budgeting and investing.[9] By creating strong financial literacy skills early in life, children can learn valuable life skills that will benefit them in the future. These skills include knowing how to save for retirement, purchase a home, select insurance, create budgets, invest, buy a car, save for big expenses, use credit cards, and reduce unnecessary expenses.[10]
Financial literacy empowers children and equips them with the knowledge needed to navigate unique financial situations they will undoubtedly encounter in the future. According to a national survey, of 1203 college undergraduate participants, 46.1% of respondents have credit card debt with 27% exceeding $2000.[11] More than 79% of respondents also did not know that a credit score measures your risk to banks and can have a negative impact on future financial endeavors.[11] Through financial literacy, your children can avoid these mistakes and understand how to properly manage their funds which will allow them to avoid getting into debt at a young age.
Risks & How to Mitigate Them
As with any online financial transaction, there are always risks to placing your money in the hands of a virtual bank. However, according to the Greenlight website their debit cards are federally insured for up to $250,000 and come with Mastercard’s Zero Liability Protection.[12]
Allowing your child financial freedom can be worrisome for some parents who are unsure where their child may be spending their savings. Luckily, the parental controls in the app also allow parents to know where their child is spending their money and what they are spending it on. Communicating with your child beforehand about where they can use their money helps to avoid being caught off guard if their card gets declined for a certain purchase. We can help facilitate this healthy conversation with your child through our GKIS Connected Family Screen Agreement.
Thanks to CSUCI intern, Katherine Carroll for researching Ms. Rachel and language development.
