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


5-12



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



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



Micro-internships. Check out Parker Dewey for ideas.


16, 17, 18



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


17



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



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



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



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



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



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


17



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


7



A man is not a financial plan.


17



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



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



open your own business


20



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



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



Watch the local news together.


12



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


15



Save where you can. Spend when you have to. Splurge every once in a while.


15, 21



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



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



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


9, 14, 21