Your kids may think Halloween is all about spooky decorations and sugar highs, but it’s also a great time for them to pick up key personal finance skills.

Financial educators say children can learn about negotiating, relative value, the importance of saving, even deferred gratification—all without realizing they’re doing so.

“Every piece of Halloween is kind of a cool lesson in financial behavior,” says Patricia Seaman, a senior director at the National Endowment for Financial Education. “It’s just using candy instead of dollars and coins.”

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