Paying extra for organic isn’t always worth it but I ALWAYS buy organic apples. They taste better and don’t have the pesticides, etc.


18



It’s fine, great, to be thrifty. But please don’t be cheap. Hard-earned money should neither be squandered or hoarded. Enjoy your success! But save more than you’re comfortable with. It’s like my running coach used to say: Keep going until you feel like you’re gonna poop your pants, then push yourself to do another mile. Point is, it should hurt a little.


16, 21



Work on developing a “no shortcuts” mode. Looking for a faster/easier/bare-minimum option isn’t always bad. People get paid a lot of money for creating efficacy. But there are times when that approach is wrong. Anything you want to grow from (relationships, school, work, wealth, health, knowledge, etc.) those things deserve your full effort, focus and dedication. Play. Definitely play! But don’t f*ck around.


12, 14, 15, 18, 19, 21



May you make yourself proud every day. That’s my wish for you. (I will always be proud of you.) xoxo


9, 14, 21



Read "You Can’t buy a Dinosaur with a Dime" by Harriet Ziefert. Teaches kids about earning money through work, making choices, even paying taxes!


9



“It takes about 20 years to build a reputation and 5 minutes to ruin it. If you think about that, you’ll do things differently.” - Warren Buffett


12, 14, 16, 19, 21



Begin planning trip for 10th bday. Maybe to Atlantis in Bahamas or someplace he’d be excited about._____Get him involved in planning and saving.


8



Save where you can. Spend when you have to. Splurge every once in a while.


15, 21



Throw leftovers and some cut up veggies in an omelette/ frittata. Cuts down on food waste and saves money.


17



Start a yearly “review” right before school year. Raise allowance as appropriate. If they want more money, they’ll have to take on more responsibilities.


8



Get at least 2, preferably 3 estimates on any major expenses for home or car.


21



Set up a 529 plan. Virginia has a great plan if you don't want to do too much research https://www.savingforcollege.com/


birth-age 3



Have them practice making trade offs based on their financial priorities. For example: Pedicure or movie?


9



Grandpa used to keep a hundred dollar bill stashed discreetly in his wallet “for emergencies.”


17



Check out the Jesuit Volunteer Corp. A short but deeply meaningful immersion into service, faith in action, selflessness and living on a lot less than you think you need.


19



Set up a 529 plan. Virginia has a great plan if you don't want to do too much research https://www.savingforcollege.com/


birth-age 3



There is a cost and a duty to everything we own. Rachel Maddow


16



Failed? Lift yourself up, or live there. You know the work you need to do, be it physical, mental, emotional or spiritual, etc. So do it. Do the work. The only bitterness in failure comes from not having the guts to get back up again.


12, 16, 18, 20, 21



Buy life insurance when you're young.


21



Learning to keep your composure and maintain a respectful tone when you’re frustrated/angry/afraid/upset, etc. is a skill. PRACTICE it.


4, 5, 6, 7, 10, 12, 14, 16, 19, 21



Set up automatic payments so they are initiated on your end, so that you send out money to the bill/ company you’re paying instead of giving them access to take money out of your account.


20



Check out the website Brightly for timely and age-appropriate book recommendations. All sorts of subjects and themes.


5-12



Some people have more money than sense. Just because u can afford something doesn’t mean you should buy it.


15



Micro-internships. Check out Parker Dewey for ideas.


16, 17, 18