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


5-12



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


16



Beware that when you’re first exposed to a new thing: a car, a college tour, house, etc. you will feel AMAZING and totally seduced by the shiny newness. Be cool. Remember that glitters is not gold. Things don’t need to be perfect and even if the house is it doesn’t mean life will be.


15, 18, 21



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


21



“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



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



Micro-internships. Check out Parker Dewey for ideas.


16, 17, 18



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



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


9



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



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


16, 21



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



"Watch the pennies and the dollars will take care of themselves." - Ben Franklin This works with money and with other areas: Be faithful in the little things and the bigger things will take care of themselves. For example, if you don't get comfortable with telling little lies then you'll never tell big lies.


9, 13, 19



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



Check out the Jesuit Volunteer Corp. A short but deeply meaningful immersion into service, faith in action, selflessness and living on a lot less than you think you need.


19



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


15



Practice “going without.” Talk about how nobody gets what they want all the time. We should learn how to just choose to go without something we want. Get them in on the discussion and pick something every day to do without.


5-9



Watch the local news together.


12



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



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



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


19



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


15, 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