Scrawled in big, pink letters across three envelopes are the words "spend," "save" and "give." It's how second-grader Chloe McLaughlin organizes her $8 allowance.

Scrawled in big, pink letters across three envelopes are the words "spend," "save" and "give." It's how second-grader Chloe McLaughlin organizes her $8 allowance.