AT 20 months, little Millie Kempson doesn't have that much concept of money.
But she is now £1,000 richer.
For she is the overall winner of the Echo Baby and Toddler of the Year 2013.
And it is Millie who is now rolling in it, insists her mum, Natalie Kempson.
The 26-year-old, who mixes caring for her daughter with life as an English student at the Open University, said: "It's her money, she won the prize, not her mum and dad. It's going straight into her bank account.
"There's a little bit in there, but this is a really good start.
"When she's 18 she can use it for something useful, maybe buying a car or using it for university or something like that.
"It was a really nice surprise to win.
"We didn't expect it at all, there were so many beautiful babies in the competition, there always are. We're delighted."
Millie and her mum and dad, Martin, a civil servant who works at Ashchurch, live in Northway, Tewkesbury, with Martin's 19-year-old daughter, Jordane.
Natalie said: "She's a very active little girl, and loves to run around.
"We go to Bounce and Rhyme at the library every week and she loves to dance and sing. She loves painting as well.
"And even if she's naughty, when that smile breaks out, it melts your heart.
"She really enjoyed the photo session. I think it was the chair she liked best, because it went round, the thought that was great fun."
Echo assistant editor Tanya Gledhill was among the judging panel.
She said: "It was a difficult decision; there were hundreds of beautiful babies and gorgeous toddlers.
"And then we had to decide between the 40 which had received the most votes.
"We discussed it for a long time, and we all had our favourites but in the end we agreed that Millie was a worthy winner. I think it was that beautiful smile which won it."
As well as overall winner, Millie took top spot in the 10-18 months category. Harvey Mendoza won the 0-9 months category, Noah Dix, came out on top in the 19-36 month contest and Brody Fowler was the winner in the 3-5 year category.