Wallet gives family members three places for S’mores:

• Spend
• Save
• Goal

Each account has a different job.

Spend is for now. Save is for later. Goal is for something specific.

Families can use all three or keep the setup simple.

Spend

Spend holds S’mores available to use now.

A child may use Spend for:

• Reward Shelf items
• Cash-Out
• Sending S’mores
• Other supported Wallet actions

Manual Bonus always enters Spend.

Penalty always removes from Spend.

If the family uses rewards often, the Spend balance is the easiest place for children to see what they can use today.

Save

Save holds S’mores the child wants to keep for later.

It can help children practice:

• Waiting
• Protecting part of their earnings
• Planning for a bigger choice
• Comparing short-term and long-term rewards
• Building a regular saving habit

Save does not need to be connected to one named target.

A child may simply decide:

I want to keep part of what I earn.

Goal

Goal holds S’mores connected to a specific target.

Examples:

• A book
• A toy
• A family outing
• A hobby item
• A savings milestone
• A larger reward

The Goal account helps the child answer:

What am I saving for?

Exact goal-creation and completion behavior should be verified before publication.

How Earned S’mores Reach the Accounts

Automatic allocation divides chore-completion S’mores by percentage.

Example:

A child earns 20 S’mores.

The family rule is:

• 70% Spend
• 20% Save
• 10% Goal

The system places the earned S’mores according to that split.

A chore-level rule can override the global family rule.

Moving S’mores Manually

S’mores can be moved between:

• Spend
• Save
• Goal

This lets the child or parent adjust after the automatic split.

Example:

Maya has 50 S’mores in Spend.

She decides to move 20 to Goal because she wants to reach a book reward faster.

The Wallet records the movement.

Spend Versus Save

Use Spend when:

• The child wants a reward soon
• The family is preparing for Cash-Out
• The child plans to send S’mores
• The balance should stay available

Use Save when:

• The child wants to protect earnings
• The goal is not yet specific
• The family wants to teach regular saving
• The child is tempted to use everything immediately

Save Versus Goal

Save is general.

Goal is specific.

Example:

• Save: Keep 20% of all earnings
• Goal: Work toward 500 S’mores for a new book

A child may use both at the same time.

Use Percentages the Child Can Understand

A simple starting split could be:

• 70% Spend
• 20% Save
• 10% Goal

Another family may choose:

• 50% Spend
• 30% Save
• 20% Goal

The best split is one the family can explain.

Avoid changing it every few days.

Manual Bonus and Penalty

Manual Bonus always enters Spend.

It does not follow the automatic percentage allocation.

The S’mores can then be moved to Save or Goal.

Penalty always removes from Spend.

It does not take from Save or Goal.

This protects long-term savings from a normal Penalty action.

Cash-Out and Spend

Cash-Out removes S’mores from the child’s account when approved.

The family should confirm which balance is used in the current flow. The practical system should treat Spend as the available balance for Cash-Out.

S’moresUp records the transaction. The parent pays outside the app.

Family Examples

Younger child

• 80% Spend
• 20% Goal

The child has easy access to small rewards while learning to work toward one target.

School-age child

• 60% Spend
• 20% Save
• 20% Goal

The child practices all three choices.

Teen

• 40% Spend
• 30% Save
• 30% Goal

The family may connect the setup to allowance and larger savings decisions.

These are examples, not rules.

Common Problems

Spend is always empty

The allocation may send too much to Save or Goal.

The child never saves

Increase the automatic Save percentage or create a clearer Goal.

The child moves everything back to Spend

Agree on a family rule before using automatic allocation.

Goal no longer matters

Move the S’mores to Save, Spend, or another Goal based on the current product controls.

The accounts feel too complicated

Use only Spend and Save until the child is ready for Goal.

Common Questions

Can S’mores move between all three accounts?

Yes.

Does Bonus follow the percentage split?

No. Manual Bonus goes to Spend.

Does Penalty remove from Save?

No. Penalty removes from Spend.

Is Goal the same as Save?

No. Save is general. Goal is connected to a target.

Does Wallet require Premium?

No.

Best First Action

Choose one simple allocation rule.

Let the child earn one chore reward, then show how the S’mores appear in Spend, Save, and Goal.

Related Articles

• How Automatic S’mores Allocation Works
• How to Move S’mores Between Accounts
• How Cash-Out Works
• How Wallet Transactions Work