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


5-12



Change is scary. But scary doesn’t equal bad. I don’t know what it’s going to look like but I know you will figure it out. You’re going to be okay no matter what curveballs you’re faced with. Stay calm. Be kind and respectful to everyone and every thing, including (especially) yourself. xoxo


5, 10, 15, 20, 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



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



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



Misquoting someone here: “It’s not about getting everything you want, it’s about giving everything you have.” Stuff will never satisfy. Pouring yourself into something heart and soul will.


16, 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



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



Micro-internships. Check out Parker Dewey for ideas.


16, 17, 18



There’s always a temptation to throw money at your problem. But remember there’s nothing you can buy that will make up for what is really needed. And the stuff that accumulates while you try to fix the problem just ends up being a problem on its own.


14, 19



If you can’t afford to tip the server, you can’t afford to be there.


15



“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



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



I once asked my mom if my grandmother (her mother in law) was rich. Her reply: “No, but she likes to think she is.” I think she meant my grandmother spent money like she had plenty of it when she really did not. Can relate. I hope you do better!


14, 21



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


15, 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



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



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



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


16



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


4-5