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

15

Finances  

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

Finances  

There is a cost and a duty to everything we own. Rachel Maddow

16

Family & Home   Finances  

Consider the costs of inaction.

12, 15, 18, 21

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

Open a Bank Account

8-12

Finances  

Be discerning about your sources of information. Some red flags: Too good to be true. Get rich quick. Chosen race. Any race or group blamed for societal problems. Fear of change. Threats of real or metaphysical harm (I.e. $@!#%) or bribes with reward.

12, 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   Faith & Philosophy   Finances   Emotional Development & Mental Health   Nature, Animals & the Environment   Social Justice, Civics & Humanitarianism   Relationships & Career  

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  

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

17

Family & Home   Finances  

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

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

8

Faith & Philosophy   Finances   Social Justice, Civics & Humanitarianism  

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

15

Finances  

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  

Want a good life? Treat people well. (Including yourself). Be kind and respectful.

11, 12, 13, 14, 15, 16, 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  

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  

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  

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  

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  

Let the best part of yourself take the lead when you’re making decisions.

10, 14, 15, 16, 17, 19, 21

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

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

Finances  

It’s fine, great, to be thrifty. But please don’t be cheap. Hard-earned money should neither be squandered or hoarded. Enjoy your success! But save more than you’re comfortable with. It’s like my running coach used to say: Keep going until you feel like you’re gonna poop your pants, then push yourself to do another mile. Point is, it should hurt a little.

16, 21

Finances  

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  

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  

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  

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

12, 15, 17, 21

Finances  

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  

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  

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  

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

19

Family & Home   Finances  

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

Family & Home   Character, Education & Self-Reliance   Finances