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
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
Have them practice making trade offs based on their financial priorities. For example: Pedicure or movie?
9
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 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
“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
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
There’s always a temptation to throw money at your problem. But remember there’s nothing you can buy that will make up for what is really needed. And the stuff that accumulates while you try to fix the problem just ends up being a problem on its own.
14, 19
Some people have more money than sense. Just because u can afford something doesn’t mean you should buy it.
15
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
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
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.
18
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
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
Throw leftovers and some cut up veggies in an omelette/ frittata. Cuts down on food waste and saves money.
17
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
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
Check out the website Brightly for timely and age-appropriate book recommendations. All sorts of subjects and themes.
5-12
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