Micro-internships. Check out Parker Dewey for ideas.


16, 17, 18



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


9, 14, 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



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



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


12, 15, 17, 21



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


4-5



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’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



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


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



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



Open a Bank Account


8-12



A man is not a financial plan.


17



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



IMPORTANT: If you borrow money from someone pay it back as soon as possible. In full. If you borrow an item, return it in excellent condition. I’d say if you borrow a car, return it with a full tank of gas but hopefully by the time you’re driving there won’t be any combustible engines. So return it fully charged!


12, 14, 16, 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



***Manners!! *** Etiquette is the secret sauce. Everyone appreciates being treated with respect. Etiquette is the art and science of respecting others. It’s timeless and universal. Customs change, hence the need for constant study, but respect is always the foundation. In summary: Be nice. Start with yourself. Study etiquette. It will help you in every single interaction you have, social, professional, financial, everything. Manners apply to every human, in every interaction, even on the hard days. Hence, the need for practice.


3, 5, 7, 10, 11, 15, 17, 19, 21



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


5-12



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


15



Take the family on periodic “spending fasts.” As an exercise, go a day, a weekend or a week without spending any money. Make due with what you have. Encourage participation. Tie in spending fasts with holidays, lent or in support of a cause.


7