Coda

Enjoy your success but don’t flaunt it.

21

Character, Education & Self-Reliance 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

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

17

Family & Home Finances Nature, Animals & the Environment

Micro-internships. Check out Parker Dewey for ideas.

16, 17, 18

Character, Education & Self-Reliance Finances Relationships & Career

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

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

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

21

Family & Home Finances

It’s fine, great, to be thrifty. But please don’t be cheap. Hard-earned money should neither be squandered or hoarded. Enjoy your success! But save more than you’re comfortable with. It’s like my running coach used to say: Keep going until you feel like you’re gonna poop your pants, then push yourself to do another mile. Point is, it should hurt a little.

16, 21

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

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

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

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

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

12, 15, 17, 21

Finances

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

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

16

Family & Home Finances

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

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

open your own business

20

Finances

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

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

17

Family & Home 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

Have a charity lemonade stand. Pediatric cancer research, immigrant children, etc. Lots of problems...Let them be involved in part of the solution.

7-10

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

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

“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

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

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

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

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

15, 21

Finances

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

Enjoy your success but don’t flaunt it.

Create.

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

Micro-internships. Check out Parker Dewey for ideas.

Eat Apple Pie :)

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.

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

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

Keep going. It’s never, NEVER hopeless.

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.

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.

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

Consider the costs of inaction.

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

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.

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

open your own business

You’ll never regret staying calm.

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

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

Have a charity lemonade stand. Pediatric cancer research, immigrant children, etc. Lots of problems...Let them be involved in part of the solution.

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.

“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

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.

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

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

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

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.

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.