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



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


16, 21



Have a yearly “review” right before school year. Raise allowance as appropriate. If they want more money, they’ll have to take on more responsibilities.


7-17



1

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



Some people have more money than sense. Just because u can afford something doesn’t mean you should buy it.


15



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



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



Sesame Street has great resources on teaching finances to little ones.


4-5



"Watch the pennies and the dollars will take care of themselves." - Ben Franklin This works with money and with other areas: Be faithful in the little things and the bigger things will take care of themselves. For example, if you don't get comfortable with telling little lies then you'll never tell big lies.


9, 13, 19



***Manners!! *** Etiquette is the secret sauce. Everyone appreciates being treated with respect. Etiquette is the art and science of respecting others. It’s timeless and universal. Customs change, hence the need for constant study, but respect is always the foundation. In summary: Be nice. Start with yourself. Study etiquette. It will help you in every single interaction you have, social, professional, financial, everything. Manners apply to every human, in every interaction, even on the hard days. Hence, the need for practice.


3, 5, 7, 10, 11, 15, 17, 19, 21



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


5-12



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



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



“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



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



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


15



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


21



Buy life insurance when you're young.


21



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



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


12, 15, 17, 21



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


7