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

Family & Home   Character, Education & Self-Reliance   Finances  

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

9

Finances  

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

21

Family & Home   Finances  

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

15, 21

Finances  

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  

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  

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  

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  

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  

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  

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  

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  

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  

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

15

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  

There are things you should not say: Never comment or ask a woman about her age or weight. Never comment on how many kids someone has (or doesn’t have.) The size, timing, composition, etc of someone else’s family is not your business to weigh in on. You never know who is struggling with loss or infertility, etc. And if someone announces they are expecting their seventh kid, the only correct response is “Congratulations” “How are you feeling?” etc. Just like you would if it was their first. Never ask someone how much weight they lost. If they’ve lost weight, just say “You look wonderful/amazing/ fantastic, etc.” And of course never comment on anyone having gained weight. Just say “You look wonderful.” And never never never ask someone how much money they earn or how much money they have, or how much they owe or paid for something, etc. People’s finances are personal, and are just not any of your business.

15, 20

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  

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  

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

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

Open a Bank Account

8-12

Finances  

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

12, 15, 17, 21

Finances  

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  

A man is not a financial plan.

17

Finances   Relationships & Career  

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

16, 21

Finances  

We are all so precious. Each one of us. Let that be the lesson.

2, 3, 4, 5, 8, 9, 10, 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  

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  

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

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

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

16

Family & Home   Finances  

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