***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



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



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


17



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



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’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



Learning to keep your composure and maintain a respectful tone when you’re frustrated/angry/afraid/upset, etc. is a skill. PRACTICE it.


4, 5, 6, 7, 10, 12, 14, 16, 19, 21



Buy life insurance when you're young.


21



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



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



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



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



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



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


7



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


9



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



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



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


15, 21



Start “home economics” school with them. Laundry, cleaning, cooking, how to change a diaper, comfort a baby, soothe a toddler, what's involved in caring for pets, budgeting for food, keeping track of maintenance schedules for humans, pets, cars and machines. Engage with guests, be a good host, etc. Know when and how to tell someone to GTFO of the house (racist or misogynistic speech, etc.) Every kid needs to learn the art and science of home management. Look for and point out examples in books and movies of good home science skills.


5, 8, 10, 11, 12, 13, 14, 15, 21



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



Open a Bank Account


8-12



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



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


12, 15, 17, 21