Sponsor a child in a developing country. Write letters, learn about their country and their life.


8



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



Change is scary. But scary doesn’t equal bad. I don’t know what it’s going to look like but I know you will figure it out. You’re going to be okay no matter what curveballs you’re faced with. Stay calm. Be kind and respectful to everyone and every thing, including (especially) yourself. xoxo


5, 10, 15, 20, 21



Enjoy your success but don’t flaunt it.


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



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



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



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



Buy life insurance when you're young.


21



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



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


9



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



Watch the local news together.


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



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


17



Make a pound of ground beef go further by adding chopped cabbage or mushrooms.


19



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



A man is not a financial plan.


17



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



"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



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



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


15



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