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  

***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  

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  

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  

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  

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  

Change is scary. But scary doesn’t equal bad. I don’t know what it’s going to look like but I know you will figure it out. You’re going to be okay no matter what curveballs you’re faced with. Stay calm. Be kind and respectful to everyone and every thing, including (especially) yourself. xoxo

5, 10, 15, 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  

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  

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  

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

12, 15, 17, 21

Finances  

open your own business

20

Finances  

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

Family & Home   Character, Education & Self-Reliance   Finances  

Enjoy your success but don’t flaunt it.

21

Character, Education & Self-Reliance   Finances  

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.

12, 15, 19, 21

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

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  

Micro-internships. Check out Parker Dewey for ideas.

16, 17, 18

Character, Education & Self-Reliance   Finances   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