It is never too early to start educating your kids on the virtues of saving up money for a rainy day, and the Spend and Save coin bank comes in handy when it dishes out lessons. Each coin that is dropped inside will rest on a ledge precariously but for a moment, where it can fall down either way to the Save or Spend compartments. Needless to say, the latter compartment is much smaller, hence, leaving you with less money to spend each time you remove coins from it. Just like a casino, the “house” is the real winner. Available in October, the Spend and Save coin bank will retail for $19.99 a pop.