Coda

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

9, 14, 21

Sports, Health, Safety & Appearance Arts, Literature & Self Expression Science, Technology, Skills & General Knowledge Fun, Adventure & Travel Faith & Philosophy Finances Nature, Animals & the Environment Social Justice, Civics & Humanitarianism Relationships & Career

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

15, 21

Finances

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

Family & Home Sports, Health, Safety & Appearance Finances

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

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

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

16

Family & Home Finances

Go in the direction that your peace comes from.

14, 17, 19, 21

Character, Education & Self-Reliance 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

Enjoy your success but don’t flaunt it.

21

Character, Education & Self-Reliance Finances

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

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

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

12, 15, 17, 21

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

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

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

21

Family & Home Finances

Team them about all the good stuff in life

5-10

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

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

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

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

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

Character, Education & Self-Reliance Finances

Open a Bank Account

8-12

Finances

Create.

10, 14, 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

“The most important thing in any relationship is not what you get, it’s what you give.” -Eleanor Roosevelt

10, 13, 15, 17, 20, 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

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

17

Family & Home Finances

“Pay yourself first” means save before you spend. You never know when you’ll need to tap into savings, so build it up early and heartily.

18

Finances

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

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

15

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

Micro-internships. Check out Parker Dewey for ideas.

16, 17, 18

Character, Education & Self-Reliance Finances Relationships & Career

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

Finances

There’s always a temptation to throw money at your problem. But remember there’s nothing you can buy that will make up for what is really needed. And the stuff that accumulates while you try to fix the problem just ends up being a problem on its own.

14, 19

Family & Home Character, Education & Self-Reliance Finances Emotional Development & Mental Health Relationships & Career

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

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

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.

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

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.

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

Go in the direction that your peace comes from.

Enjoy your success but don’t flaunt it.

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

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.

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

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.

You’ll never regret staying calm.

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

Team them about all the good stuff in life

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!

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.

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

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.

Open a Bank Account

Create.

“The most important thing in any relationship is not what you get, it’s what you give.” -Eleanor Roosevelt

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

“Pay yourself first” means save before you spend. You never know when you’ll need to tap into savings, so build it up early and heartily.

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.

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

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.

Micro-internships. Check out Parker Dewey for ideas.

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.

There’s always a temptation to throw money at your problem. But remember there’s nothing you can buy that will make up for what is really needed. And the stuff that accumulates while you try to fix the problem just ends up being a problem on its own.

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.