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


5-12



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


9, 14, 21



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


17



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



You remember experiences, connections. Not stuff. Don’t get too caught up in stuff.


12, 15, 17, 21



Enjoy your success but don’t flaunt it.


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



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



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


8



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



"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



Have them sort change, and eventually to count it. It teaches them to gather things that are alike, it's an introduction to money and it occupies them for 15 minutes! Just make sure they're old enough to be past the point of putting coins in their mouth.


3-5



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



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



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



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



I once asked my mom if my grandmother (her mother in law) was rich. Her reply: “No, but she likes to think she is.” I think she meant my grandmother spent money like she had plenty of it when she really did not. Can relate. I hope you do better!


14, 21



Micro-internships. Check out Parker Dewey for ideas.


16, 17, 18



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


16, 21



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



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



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



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


21



Take the family on periodic “spending fasts.” As an exercise, go a day, a weekend or a week without spending any money. Make due with what you have. Encourage participation. Tie in spending fasts with holidays, lent or in support of a cause.


7