Coda

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

15

Finances

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

May you make yourself proud every day. That’s my wish for you. (I will always be proud of you.) xoxo

9, 14, 21

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

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

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

We are all so precious. Each one of us. Let that be the lesson.

2, 3, 4, 5, 8, 9, 10, 17, 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

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

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

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

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 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

Family & Home Character, Education & Self-Reliance Arts, Literature & Self Expression Faith & Philosophy Finances Relationships & Career

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

15

Finances

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

Finances

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

16, 21

Finances

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

21

Family & Home 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

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

“Consistency feels boring until you witness what it creates.” True for parenting and true for growing.

1, 2, 3, 4, 12, 14, 16, 21

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

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

Read biographies!

12. 14, 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

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

8

Faith & Philosophy Finances Social Justice, Civics & Humanitarianism

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

8

Character, Education & Self-Reliance 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

Team them about all the good stuff in life

5-10

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

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

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

“The most important thing in any relationship is not what you get, it’s what you give.” -Eleanor Roosevelt

10, 13, 15, 17, 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

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

Finances

Create.

10, 14, 17, 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

Finances

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

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

Family & Home Finances

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

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

May you make yourself proud every day. That’s my wish for you. (I will always be proud of you.) xoxo

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.

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!

We are all so precious. Each one of us. Let that be the lesson.

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

Have a charity lemonade stand. Pediatric cancer research, immigrant children, etc. Lots of problems...Let them be involved in part of the solution.

Having an expensive hobby opens doors.

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

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

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

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

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.

“Consistency feels boring until you witness what it creates.” True for parenting and true for growing.

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

Read biographies!

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

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

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.

Team them about all the good stuff in life

“The most important thing in any relationship is not what you get, it’s what you give.” -Eleanor Roosevelt

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

Create.

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.

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

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.

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.