Coda

“It takes about 20 years to build a reputation and 5 minutes to ruin it. If you think about that, you’ll do things differently.” - Warren Buffett

12, 14, 16, 19, 21

Character, Education & Self-Reliance 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

May you make yourself proud every day. That’s my wish for you. (I will always be proud of you.) xoxo

9, 14, 21

Sports, Health, Safety & Appearance Arts, Literature & Self Expression Science, Technology, Skills & General Knowledge Fun, Adventure & Travel Faith & Philosophy Finances Nature, Animals & the Environment Social Justice, Civics & Humanitarianism Relationships & Career

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

21

Family & Home 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

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

Want a good life? Treat people well. (Including yourself). Be kind and respectful.

11, 12, 13, 14, 15, 16, 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

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

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

16

Family & Home Finances

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!)

12, 15, 18, 20

Family & Home Character, Education & Self-Reliance Arts, Literature & Self Expression Faith & Philosophy Finances 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

Grandpa used to keep a hundred dollar bill stashed discreetly in his wallet “for emergencies.”

17

Family & Home 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

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

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

“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

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

Sponsor a child in a developing country. Write letters, learn about their country and their life.

8

Faith & Philosophy Finances Social Justice, Civics & Humanitarianism

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

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

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

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 website Brightly for timely and age-appropriate book recommendations. All sorts of subjects and themes.

5-12

Arts, Literature & Self Expression Fun, Adventure & Travel Finances Emotional Development & Mental Health Social Justice, Civics & Humanitarianism

Micro-internships. Check out Parker Dewey for ideas.

16, 17, 18

Character, Education & Self-Reliance Finances 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

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

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

You’ll never regret staying calm. Keeping your cool is a skill that you can build, and it will serve you in every single aspect of life.

11-21

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 don’t get what you deserve. You get what you negotiate.” - name escapes me

15, 19, 21

Finances Relationships & Career

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

“It takes about 20 years to build a reputation and 5 minutes to ruin it. If you think about that, you’ll do things differently.” - Warren Buffett

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.

May you make yourself proud every day. That’s my wish for you. (I will always be proud of you.) xoxo

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

Eat Apple Pie :)

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!

Want a good life? Treat people well. (Including yourself). Be kind and respectful.

Set up a 529 plan. Virginia has a great plan if you don't want to do too much research https://www.savingforcollege.com/

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

Consider the costs of inaction.

Grandpa used to keep a hundred dollar bill stashed discreetly in his wallet “for emergencies.”

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.

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.

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

“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.

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.

Sponsor a child in a developing country. Write letters, learn about their country and their life.

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

Having an expensive hobby opens doors.

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

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.

Check out the website Brightly for timely and age-appropriate book recommendations. All sorts of subjects and themes.

Micro-internships. Check out Parker Dewey for ideas.

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.

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.

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.

You’ll never regret staying calm. Keeping your cool is a skill that you can build, and it will serve you in every single aspect of life.

“You don’t get what you deserve. You get what you negotiate.” - name escapes me

Collage plan

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.