Have a charity lemonade stand. Pediatric cancer research, immigrant children, etc. Lots of problems...Let them be involved in part of the solution.


7-10



Make a pound of ground beef go further by adding chopped cabbage or mushrooms.


19



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


9, 14, 21



Sesame Street has great resources on teaching finances to little ones.


4-5



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


21



You remember experiences, connections. Not stuff. Don’t get too caught up in stuff.


12, 15, 17, 21



Try not to confuse excess with quality. It’s okay not to have the biggest house on the block. It’s okay not to drive the fanciest car.


21



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


17



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



The bull-sh*t never ends. Dealing with the bull-sh*t IS your job. If you think you’ll ever reach a “post-bullsh*t stage in your life, you’re wrong.


12, 15, 19, 21



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


9



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


17



Start saving for retirement with your very first paycheck. Put away the MAX, you’ll never miss it. If the company doesn’t offer 401k then we’ll open a Roth IRA.


18



Sponsor a child in a developing country. Write letters, learn about their country and their life.


8



Start saving money early. Save as much as you can. There are plenty of things worth spending your money on, but be mindful about your money - Don’t p*ss it away.


15, 20



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



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



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


15



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


16



Watch the local news together.


12



Make a separate piggie bank together for money to donate. Talk about how we manage what we have thoughtfully: Save some, spend some, donate some.


5-8



There are things you should not say: Never comment or ask a woman about her age or weight. Never comment on how many kids someone has (or doesn’t have.) The size, timing, composition, etc of someone else’s family is not your business to weigh in on. You never know who is struggling with loss or infertility, etc. And if someone announces they are expecting their seventh kid, the only correct response is “Congratulations” “How are you feeling?” etc. Just like you would if it was their first. Never ask someone how much weight they lost. If they’ve lost weight, just say “You look wonderful/amazing/ fantastic, etc.” And of course never comment on anyone having gained weight. Just say “You look wonderful.” And never never never ask someone how much money they earn or how much money they have, or how much they owe or paid for something, etc. People’s finances are personal, and are just not any of your business.


15, 20



“Pay yourself first” means save before you spend. You never know when you’ll need to tap into savings, so build it up early and heartily.


18