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


16



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



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



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



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



“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



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


15



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



Start “home economics” school with them. Laundry, cleaning, cooking, how to change a diaper, comfort a baby, soothe a toddler, what's involved in caring for pets, budgeting for food, keeping track of maintenance schedules for humans, pets, cars and machines. Engage with guests, be a good host, etc. Know when and how to tell someone to GTFO of the house (racist or misogynistic speech, etc.) Every kid needs to learn the art and science of home management. Look for and point out examples in books and movies of good home science skills.


5, 8, 10, 11, 12, 13, 14, 15, 21



Open a Bank Account


8-12



IMPORTANT: If you borrow money from someone pay it back as soon as possible. In full. If you borrow an item, return it in excellent condition. I’d say if you borrow a car, return it with a full tank of gas but hopefully by the time you’re driving there won’t be any combustible engines. So return it fully charged!


12, 14, 16, 21



“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



A man is not a financial plan.


17



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

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


5-12



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



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



Buy life insurance when you're young.


21



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



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


15, 19, 21



Make a separate piggie bank together for money to donate. Talk about how we manage what we have thoughtfully: Save some, spend some, donate some.


5-8



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


17