Some people have more money than sense. Just because u can afford something doesn’t mean you should buy it.
15
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
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
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
Be discerning about your sources of information. Some red flags: Too good to be true. Get rich quick. Chosen race. Any race or group blamed for societal problems. Fear of change. Threats of real or metaphysical harm (I.e. $@!#%) or bribes with reward.
12, 14, 16. 18, 21
Family & Home
Character, Education & Self-Reliance
Sports, Health, Safety & Appearance
Arts, Literature & Self Expression
Science, Technology, Skills & General Knowledge
Fun, Adventure & Travel
Faith & Philosophy
Finances
Emotional Development & Mental Health
Nature, Animals & the Environment
Social Justice, Civics & Humanitarianism
Relationships & Career
Read biographies!
12. 14, 17. 19, 21
Family & Home
Character, Education & Self-Reliance
Sports, Health, Safety & Appearance
Arts, Literature & Self Expression
Science, Technology, Skills & General Knowledge
Fun, Adventure & Travel
Faith & Philosophy
Finances
Emotional Development & Mental Health
Nature, Animals & the Environment
Social Justice, Civics & Humanitarianism
Relationships & Career
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
Team them about all the good stuff in life
5-10
Family & Home
Character, Education & Self-Reliance
Sports, Health, Safety & Appearance
Arts, Literature & Self Expression
Science, Technology, Skills & General Knowledge
Fun, Adventure & Travel
Faith & Philosophy
Finances
Emotional Development & Mental Health
Nature, Animals & the Environment
Social Justice, Civics & Humanitarianism
Relationships & Career
“Consistency feels boring until you witness what it creates.” True for parenting and true for growing.
1, 2, 3, 4, 12, 14, 16, 21
Character, Education & Self-Reliance
Sports, Health, Safety & Appearance
Arts, Literature & Self Expression
Science, Technology, Skills & General Knowledge
Fun, Adventure & Travel
Faith & Philosophy
Finances
Emotional Development & Mental Health
Nature, Animals & the Environment
Social Justice, Civics & Humanitarianism
Let the best part of yourself take the lead when you’re making decisions.
10, 14, 15, 16, 17, 19, 21
Family & Home
Character, Education & Self-Reliance
Sports, Health, Safety & Appearance
Arts, Literature & Self Expression
Fun, Adventure & Travel
Faith & Philosophy
Finances
Emotional Development & Mental Health
Nature, Animals & the Environment
Social Justice, Civics & Humanitarianism
Relationships & Career
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
Throw leftovers and some cut up veggies in an omelette/ frittata. Cuts down on food waste and saves money.
17
Beware that when you’re first exposed to a new thing: a car, a college tour, house, etc. you will feel AMAZING and totally seduced by the shiny newness. Be cool. Remember that glitters is not gold. Things don’t need to be perfect and even if the house is it doesn’t mean life will be.
15, 18, 21
"Watch the pennies and the dollars will take care of themselves." - Ben Franklin This works with money and with other areas: Be faithful in the little things and the bigger things will take care of themselves. For example, if you don't get comfortable with telling little lies then you'll never tell big lies.
9, 13, 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
Want a good life? Treat people well. (Including yourself). Be kind and respectful.
11, 12, 13, 14, 15, 16, 19, 21
Family & Home
Character, Education & Self-Reliance
Sports, Health, Safety & Appearance
Arts, Literature & Self Expression
Science, Technology, Skills & General Knowledge
Fun, Adventure & Travel
Faith & Philosophy
Finances
Emotional Development & Mental Health
Nature, Animals & the Environment
Social Justice, Civics & Humanitarianism
Relationships & Career
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
Eat Apple Pie :)
5-6
Family & Home
Character, Education & Self-Reliance
Sports, Health, Safety & Appearance
Arts, Literature & Self Expression
Science, Technology, Skills & General Knowledge
Fun, Adventure & Travel
Faith & Philosophy
Finances
Emotional Development & Mental Health
Nature, Animals & the Environment
Social Justice, Civics & Humanitarianism
Relationships & Career
You can change your approach without changing your vision. Stay flexible. Things rarely go how we expect them to.
15, 19, 21
Family & Home
Character, Education & Self-Reliance
Sports, Health, Safety & Appearance
Arts, Literature & Self Expression
Science, Technology, Skills & General Knowledge
Fun, Adventure & Travel
Faith & Philosophy
Finances
Emotional Development & Mental Health
Nature, Animals & the Environment
Social Justice, Civics & Humanitarianism
Relationships & Career
“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
Create.
10, 14, 17, 21
Family & Home
Character, Education & Self-Reliance
Sports, Health, Safety & Appearance
Arts, Literature & Self Expression
Science, Technology, Skills & General Knowledge
Fun, Adventure & Travel
Faith & Philosophy
Finances
Emotional Development & Mental Health
Nature, Animals & the Environment
Social Justice, Civics & Humanitarianism
Relationships & Career