Cash Flow 101 is an educational game around managing and makeing money. Consequently it will work for all ages providing the players are interested in this topic.
This is a method created by Robert Kiyosaki, to help users realize strategies to make their money work for them. Cash Flow 101 is innovately designed as a board game.
Well, i suppose it depends on the individual that has the pen, though it's sort of common sense not to give pen (or any pointed object) to a baby/irresponsible child...