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



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



“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



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



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



Start “home economics” school with them. Laundry, cleaning, cooking, how to change a diaper, comfort a baby, soothe a toddler, what's involved in caring for pets, budgeting for food, keeping track of maintenance schedules for humans, pets, cars and machines. Engage with guests, be a good host, etc. Know when and how to tell someone to GTFO of the house (racist or misogynistic speech, etc.) Every kid needs to learn the art and science of home management. Look for and point out examples in books and movies of good home science skills.


5, 8, 10, 11, 12, 13, 14, 15, 21



Open a Bank Account


8-12



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



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


7



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


9



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


4-5



“It takes about 20 years to build a reputation and 5 minutes to ruin it. If you think about that, you’ll do things differently.” - Warren Buffett


12, 14, 16, 19, 21



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



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