Coda

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

8

Faith & Philosophy Finances Social Justice, Civics & Humanitarianism

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

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

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

“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

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

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

15

Finances

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

15, 19, 21

Finances Relationships & Career

Try not to confuse excess with quality. It’s okay not to have the biggest house on the block. It’s okay not to drive the fanciest car.

21

Family & Home Finances

Work on developing a “no shortcuts” mode. Looking for a faster/easier/bare-minimum option isn’t always bad. People get paid a lot of money for creating efficacy. But there are times when that approach is wrong. Anything you want to grow from (relationships, school, work, wealth, health, knowledge, etc.) those things deserve your full effort, focus and dedication. Play. Definitely play! But don’t f*ck around.

12, 14, 15, 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

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

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 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

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

Science, Technology, Skills & General Knowledge 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

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

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

Watch the local news together.

12

Family & Home Character, Education & Self-Reliance Finances Social Justice, Civics & Humanitarianism

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

17

Family & Home Finances

“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

Manners!! Etiquette is the secret sauce. Everyone appreciates being treated with respect. Etiquette is the art and science of respecting others. It’s timeless and universal. Customs change, hence the need for constant study, but respect is always the foundation. In summary: Be nice. Start with yourself. Study etiquette. It will help you in every single interaction you have, social, professional, financial, everything. Manners apply to every human, in every interaction, even on the hard days. Hence, the need for practice.

3, 5, 7, 10, 11, 15, 17, 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

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

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

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

15, 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

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

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

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

19

Family & Home 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

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

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

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.

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

“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.

Create.

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

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

Try not to confuse excess with quality. It’s okay not to have the biggest house on the block. It’s okay not to drive the fanciest car.

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

Collage plan

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.

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.

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!

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.

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.

Watch the local news together.

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

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

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.

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

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

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

Keep going. It’s never, NEVER hopeless.

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

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

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.

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.