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

Finances  

“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

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  

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  

Check out the Jesuit Volunteer Corp. A short but deeply meaningful immersion into service, faith in action, selflessness and living on a lot less than you think you need.

19

Character, Education & Self-Reliance   Faith & Philosophy   Finances   Social Justice, Civics & Humanitarianism  

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

21

Family & Home   Finances  

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

16

Family & Home   Finances  

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

16, 21

Finances  

open your own business

20

Finances  

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 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  

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

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

Having an expensive hobby opens doors.

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   Finances   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  

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

Family & Home   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  

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

Family & Home   Sports, Health, Safety & Appearance   Finances  

Failed? Lift yourself up, or live there. You know the work you need to do, be it physical, mental, emotional or spiritual, etc. So do it. Do the work. The only bitterness in failure comes from not having the guts to get back up again.

12, 16, 18, 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  

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

Finances  

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

Finances  

Collage plan


Character, Education & Self-Reliance   Sports, Health, Safety & Appearance   Arts, Literature & Self Expression   Science, Technology, Skills & General Knowledge   Finances   Social Justice, Civics & Humanitarianism   Relationships & Career  

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  

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

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

Family & Home   Finances  

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  

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  

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  

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

Finances  

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

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