Coda

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

16, 21

Finances

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

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

21

Family & Home Finances

Micro-internships. Check out Parker Dewey for ideas.

16, 17, 18

Character, Education & Self-Reliance Finances Relationships & Career

Have them practice making trade offs based on their financial priorities. For example: Pedicure or movie?

9

Finances

Read "You Can’t buy a Dinosaur with a Dime" by Harriet Ziefert. Teaches kids about earning money through work, making choices, even paying taxes!

9

Arts, Literature & Self Expression 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

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

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

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

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

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 can change your approach without changing your vision. Stay flexible. Things rarely go how we expect them to.

15, 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

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

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

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

15

Finances

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

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

Surround yourself with people who are genuinely trying to make the world a better place. You’ll be in good company.

12, 14, 16, 19. 21

Family & Home Character, Education & Self-Reliance 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 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

Character, Education & Self-Reliance Finances

1

Watch the local news together.

12

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

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

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

4-5

Finances

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

16

Family & Home Finances

A man is not a financial plan.

17

Finances Relationships & Career

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

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 Nature, Animals & the Environment Social Justice, Civics & Humanitarianism Relationships & Career

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

Finances

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

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

The more books you read, the better. Carve out time without screens and read every day.

8, 10, 12, 14, 16, 21

Family & Home Character, Education & Self-Reliance Arts, Literature & Self Expression Fun, Adventure & Travel Faith & Philosophy Finances Emotional Development & Mental Health Nature, Animals & the Environment Social Justice, Civics & Humanitarianism Relationships & Career

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

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

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.

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

Micro-internships. Check out Parker Dewey for ideas.

Have them practice making trade offs based on their financial priorities. For example: Pedicure or movie?

Read "You Can’t buy a Dinosaur with a Dime" by Harriet Ziefert. Teaches kids about earning money through work, making choices, even paying taxes!

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.

Keep going. It’s never, NEVER hopeless.

Let the best part of yourself take the lead when you’re making decisions.

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

You can change your approach without changing your vision. Stay flexible. Things rarely go how we expect them to.

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

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

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

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

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.

Surround yourself with people who are genuinely trying to make the world a better place. You’ll be in good company.

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.

Watch the local news together.

Eat Apple Pie :)

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

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

A man is not a financial plan.

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.

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.

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.

The more books you read, the better. Carve out time without screens and read every day.

Having an expensive hobby opens doors.

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.