Coda

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

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

Finances

Let’s talk about how we can bless people - with what we have and by how we act.

7

Character, Education & Self-Reliance Faith & Philosophy Finances

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

7-17

Character, Education & Self-Reliance Finances

1

The bull-sht never ends. Dealing with the bull-sht 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

Family & Home Character, Education & Self-Reliance Finances Emotional Development & Mental Health Social Justice, Civics & Humanitarianism Relationships & Career

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

15

Finances

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

Check out from the library or Amazon: “My First Money Book: A Guide for Parents and Children to Saving, Spending, Sharing, and Investing Your Money” by Reggie Nelson

8

Finances

“The most important thing in any relationship is not what you get, it’s what you give.” -Eleanor Roosevelt

10, 13, 15, 17, 20, 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

Consider the costs of inaction.

12, 15, 18, 21

Character, Education & Self-Reliance Sports, Health, Safety & Appearance Arts, Literature & Self Expression Fun, Adventure & Travel Finances Emotional Development & Mental Health Nature, Animals & the Environment Social Justice, Civics & Humanitarianism Relationships & Career

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

9

Finances

Enjoy your success but don’t flaunt it.

21

Character, Education & Self-Reliance Finances

Open a Bank Account

8-12

Finances

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

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

Finances

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

Finances

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

Character, Education & Self-Reliance Finances

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

21

Family & Home Finances

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

4-5

Finances

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

Family & Home Finances

Surround yourself with people who are genuinely trying to make the world a better place. You’ll be in good company.

12, 14, 16, 19. 21

Family & Home Character, Education & Self-Reliance 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

Have them sort change, and eventually to count it. It teaches them to gather things that are alike, it's an introduction to money and it occupies them for 15 minutes! Just make sure they're old enough to be past the point of putting coins in their mouth.

3-5

Science, Technology, Skills & General Knowledge Finances

Keep going. It’s never, NEVER hopeless.

14, 16, 18, 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

You’ll never regret staying calm.

12, 14, 17, 21

Family & Home Character, Education & Self-Reliance Sports, Health, Safety & Appearance Fun, Adventure & Travel Faith & Philosophy Finances Emotional Development & Mental Health Nature, Animals & the Environment Social Justice, Civics & Humanitarianism Relationships & Career

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

Finances

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

Finances

Practice “going without.” Talk about how nobody gets what they want all the time. We should learn how to just choose to go without something we want. Get them in on the discussion and pick something every day to do without.

5-9

Family & Home Character, Education & Self-Reliance Finances

Don’t waste big money on little things. Be intentional about what you spend.

16, 21

Finances

The more books you read, the better. Carve out time without screens and read every day.

8, 10, 12, 14, 16, 21

Family & Home Character, Education & Self-Reliance Arts, Literature & Self Expression Fun, Adventure & Travel Faith & Philosophy Finances Emotional Development & Mental Health Nature, Animals & the Environment Social Justice, Civics & Humanitarianism Relationships & Career

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

15

Finances

Create.

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.

Let’s talk about how we can bless people - with what we have and by how we act.

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

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.

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

Eat Apple Pie :)

Check out from the library or Amazon: “My First Money Book: A Guide for Parents and Children to Saving, Spending, Sharing, and Investing Your Money” by Reggie Nelson

“The most important thing in any relationship is not what you get, it’s what you give.” -Eleanor Roosevelt

Consider the costs of inaction.

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

Enjoy your success but don’t flaunt it.

Open a Bank Account

Read biographies!

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.

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.

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.

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

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

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.

Surround yourself with people who are genuinely trying to make the world a better place. You’ll be in good company.

Have them sort change, and eventually to count it. It teaches them to gather things that are alike, it's an introduction to money and it occupies them for 15 minutes! Just make sure they're old enough to be past the point of putting coins in their mouth.

Keep going. It’s never, NEVER hopeless.

You’ll never regret staying calm.

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!

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.

Practice “going without.” Talk about how nobody gets what they want all the time. We should learn how to just choose to go without something we want. Get them in on the discussion and pick something every day to do without.

Don’t waste big money on little things. Be intentional about what you spend.

The more books you read, the better. Carve out time without screens and read every day.

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

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