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.
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.
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
Discuss prescription (and OTC) medications. Doctors prescribe or recommend these medicines, they’re not for fun and should be taken seriously.
Discuss how medicines are obtained, never shared, which is dangerous and illegal.
Emphasize the risk of dependence.
Getting dumped from a bad relationship or fired from a job that’s killing you is kind of like pooping your pants: Horrifying...but also a little bit of relief. Keep your perspective and you’ll be fine. xoxo.
When making decisions remember HALT: are you hungry, angry, lonely or tired? (Or ecstatic) Give yourself time to be in a good place. Ask yourself if you’re choosing something because it’s going to bring you closer to being as authentically yourself or are you trying to meet someone else’s expectations? This is not to say you won’t need to compromise and put others first (spouse/ family.) That happens a lot in marriage. No, I mean ask yourself if you’re trying to prove something or are you being true to yourself. Hope that helps.
Consider the source. Consider whose company they are in. You may not know much about issue xyz but look and see who endorses them. If people you trust place trust in them.
Work on controlling temper. Read books about how to reach this at a young age and keep updating the conversation as he grows. He needs to be able to control his temper.
Don’t have a clue? (Relationships / career / character, etc.) The solutions can be found in books. READ! Novels, biographies, history, religion, humor, politics, finance, sports, and whatever sparks your interests at the moment!) You’ll learn about the world, and you’ll learn about yourself. READ!!!! (or listen!)
Institute a “leave by” time instead of a curfew. That way they won’t panic / speed if something out of their control happens to make them late. “Leave Riley’s house by 10pm.”
When driving in the car with your kids, ask them to count motorcycles, cyclists, pedestrians. Prize to the highest count! This will train them to be on the lookout for them.