Coda

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

15

Finances

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

Family & Home Character, Education & Self-Reliance Finances

You’ll never regret staying calm.

12, 14, 17, 21

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

Micro-internships. Check out Parker Dewey for ideas.

16, 17, 18

Character, Education & Self-Reliance Finances Relationships & Career

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

Collage plan

Character, Education & Self-Reliance Sports, Health, Safety & Appearance Arts, Literature & Self Expression Science, Technology, Skills & General Knowledge Finances Social Justice, Civics & Humanitarianism Relationships & Career

Buy life insurance when you're young.

21

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

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

Finances

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

Family & Home Finances

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

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

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

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

17

Family & Home Finances

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

8

Faith & Philosophy 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

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

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

21

Family & Home Finances

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

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

You’ll never regret staying calm. Keeping your cool is a skill that you can build, and it will serve you in every single aspect of life.

11-21

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’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

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

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

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

Enjoy your success but don’t flaunt it.

21

Character, Education & Self-Reliance Finances

Open a Bank Account

8-12

Finances

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

Character, Education & Self-Reliance Sports, Health, Safety & Appearance Faith & Philosophy Finances Emotional Development & Mental Health Nature, Animals & the Environment Social Justice, Civics & Humanitarianism Relationships & Career

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

9

Finances

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

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

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.

You’ll never regret staying calm.

Micro-internships. Check out Parker Dewey for ideas.

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.

Collage plan

Buy life insurance when you're young.

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

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!

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.

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

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

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.

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

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

Having an expensive hobby opens doors.

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

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

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

Keep going. It’s never, NEVER hopeless.

You’ll never regret staying calm. Keeping your cool is a skill that you can build, and it will serve you in every single aspect of life.

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

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

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.

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.

Enjoy your success but don’t flaunt it.

Open a Bank Account

Learning to keep your composure and maintain a respectful tone when you’re frustrated/angry/afraid/upset, etc. is a skill. PRACTICE it.

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

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.

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.