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


9, 14, 21



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



“You don’t get what you deserve. You get what you negotiate.” - name escapes me


15, 19, 21



A man is not a financial plan.


17



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


12, 15, 17, 21



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


8



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



Sesame Street has great resources on teaching finances to little ones.


4-5



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



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


19



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


16



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



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



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



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


15



Buy life insurance when you're young.


21



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



1

Make a separate piggie bank together for money to donate. Talk about how we manage what we have thoughtfully: Save some, spend some, donate some.


5-8



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



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



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



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


15



Watch the local news together.


12