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  

“Consistency feels boring until you witness what it creates.” True for parenting and true for growing.

1, 2, 3, 4, 12, 14, 16, 21

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  

***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  

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  

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

15

Finances  

Buy life insurance when you're young.

21

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  

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  

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

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  

Open a Bank Account

8-12

Finances  

Don’t waste big money on little things. Be intentional about what you spend.

16, 21

Finances  

Check out from the library or Amazon: “My First Money Book: A Guide for Parents and Children to Saving, Spending, Sharing, and Investing Your Money” by Reggie Nelson

8

Finances  

Consider the costs of inaction.

12, 15, 18, 21

Character, Education & Self-Reliance   Sports, Health, Safety & Appearance   Arts, Literature & Self Expression   Fun, Adventure & Travel   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  

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  

Want a good life? Treat people well. (Including yourself). Be kind and respectful.

11, 12, 13, 14, 15, 16, 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  

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  

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

15

Finances  

A man is not a financial plan.

17

Finances   Relationships & Career  

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