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Wealth Destroyers: 9 Financial Habits That Destroy Family Wealth

July 11, 2025 | Leave a Comment

Wealth Destroyers 9 Financial Habits That Destroy Family Wealth

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Building family wealth takes years of hard work, smart decisions, and careful planning—but the wrong financial habits can quietly undo it all. Often, it’s not one big mistake but a collection of small, repeated choices that chip away at savings and limit opportunities for future generations. Whether you’re trying to grow a legacy or simply live more securely, understanding the financial habits that destroy family wealth is the first step to changing course. The good news? These habits can be unlearned, replaced, and repaired with the right mindset and strategy.

1. Living Beyond Your Means

Spending more than you earn is one of the quickest ways to undermine long-term financial stability. It might not feel urgent if bills are paid on time, but relying on credit cards, loans, or tapping into savings to maintain a lifestyle will catch up eventually. This habit doesn’t just drain wealth—it normalizes financial stress across generations. Children raised in a household with constant financial strain may struggle to manage money as adults. Practicing mindful spending and setting realistic budgets is the foundation of financial health.

2. Avoiding or Delaying Budgeting

Without a clear plan for your money, it’s easy to lose track of where it’s going. Many families avoid budgeting because it feels restrictive or time-consuming, but in reality, not having one leads to waste and confusion. A budget helps you identify what matters most and stop spending in areas that don’t align with your values. It also keeps financial goals visible and actionable. Failing to budget consistently is one of the easiest financial habits that destroy family wealth without anyone noticing.

3. Not Talking About Money with Family

Financial silence creates confusion and bad habits. When parents avoid talking about money, kids grow up without understanding how to budget, invest, or prepare for emergencies. Conversations around money don’t have to be perfect, but they do need to happen regularly and honestly. Generational wealth is more than assets—it’s also financial literacy passed down through shared knowledge. Without communication, even well-managed wealth can disappear in one generation.

4. Ignoring Emergency Savings

An unexpected car repair, medical bill, or job loss can wipe out months of progress if you don’t have a cushion. Relying on credit or pulling from retirement funds to handle emergencies creates long-term setbacks. Emergency savings don’t have to be massive—just enough to keep the family stable during surprise situations. Skipping this step leaves your entire financial plan vulnerable. Prioritizing savings for emergencies protects everything else you’ve worked hard to build.

5. Relying Too Much on Debt

Not all debt is bad, but overusing credit cards or taking out loans for nonessential purchases can slowly erode your net worth. Interest charges eat into your income, and high balances reduce your financial flexibility. It’s easy to justify debt when life gets busy, but long-term reliance on borrowed money traps families in cycles that are hard to break. Teaching children to borrow wisely and live within their means helps prevent this cycle from continuing. Persistent debt is one of the most destructive financial habits that destroy family wealth over time.

6. Overextending to Help Others Financially

Helping loved ones is admirable, but it becomes a problem when it puts your own financial future at risk. Co-signing loans, covering someone else’s bills, or giving beyond your means can destabilize your household. It’s important to set boundaries and distinguish between generosity and financial self-sabotage. If you’re constantly rescuing others, your wealth doesn’t get a chance to grow. Remember, you can’t pour from an empty cup.

7. Not Investing for the Future

Saving money is important—but leaving it in a low-interest account limits your long-term growth. Investing helps your money grow faster than inflation, but fear, confusion, or procrastination keeps many families from getting started. Whether it’s through a retirement account, college savings plan, or index fund, investing should be part of every family’s financial strategy. Avoiding it altogether leaves your future uncertain. This lack of growth potential is one of the quiet financial habits that destroy family wealth over time.

8. Neglecting Estate Planning

No one likes to think about wills, trusts, or life insurance, but skipping estate planning can create major issues for your loved ones. Without clear instructions, assets can be tied up in probate or end up in the wrong hands. Estate planning ensures your family is protected and that your wishes are honored. It also prevents costly legal battles and emotional strain during already difficult times. Even basic estate planning can make a big difference in preserving wealth.

9. Letting Lifestyle Creep Take Over

When income rises, it’s tempting to upgrade everything—from cars to vacations to daily spending. But if every raise or bonus is matched with more spending, savings never grow. Lifestyle creep can quietly sabotage your progress and make it harder to meet long-term goals. Keeping expenses steady while income grows is how wealth truly builds. Avoiding this trap takes discipline, but the payoff is peace of mind and real financial freedom.

Wealth Grows When Habits Change

The biggest threat to wealth isn’t the market or taxes—it’s habits. The financial habits that destroy family wealth often start with good intentions but end in long-term damage. Thankfully, habits can be changed, conversations can be started, and small steps can lead to lasting progress. By making thoughtful decisions today, you create a better foundation for your children tomorrow. Protecting family wealth isn’t just about money—it’s about creating options, freedom, and a legacy of wisdom.

Which financial habit do you think families struggle with the most? Share your thoughts and tips in the comments below!

Read More:

5 Easy Ways to Teach Kids About Wealth Early

The Curse of Wealth: 15 Reasons Why Wealthy Kids Struggle With Mental Health and Happiness

Catherine Reed
Catherine Reed

Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.

Filed Under: Money and Finances Tagged With: bad money habits, budgeting tips, building wealth, estate planning, family finances, financial literacy, generational wealth, money management

Want to Secure Their Future? These 6 Steps Help Keep Inheritance Intact

July 6, 2025 | Leave a Comment

Want to Secure Their Future These 6 Steps Help Keep Inheritance Intact

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No one wants their hard-earned money to vanish after they’re gone, but poor planning can do just that. Whether you’ve saved a little or a lot, the way you manage your estate directly impacts your child’s financial future. Unfortunately, many families lose significant portions of their inheritance to taxes, mismanagement, or legal battles. The good news? With a few proactive steps, you can protect your legacy and make sure it actually reaches your kids. Here are six practical ways to keep inheritance intact and give your children the financial head start they deserve.

1. Create a Will and Keep It Updated

The foundation of any solid plan to keep inheritance intact is having a legally binding will. Without one, the state decides how your assets are distributed, and that process rarely reflects your personal wishes. A will allows you to name guardians for your children, designate beneficiaries, and outline how your property should be divided. It’s also important to revisit and update your will after major life changes like births, deaths, or divorce. Keeping it current ensures your family avoids confusion, court delays, or disputes after you’re gone.

2. Consider Setting Up a Trust

Trusts aren’t just for the ultra-wealthy—they’re a smart way for any parent to keep inheritance intact. A trust allows you to control how and when your assets are distributed to your children. This can prevent large lump sums from being mismanaged or lost to creditors, especially if your child is young or financially inexperienced. Trusts also help your estate avoid probate, which means fewer delays and lower legal costs. Working with a qualified estate attorney can help you create the right type of trust for your situation.

3. Name the Right Beneficiaries on Accounts

Many people don’t realize that beneficiary designations on life insurance, retirement accounts, and investment funds override instructions in a will. That’s why reviewing and updating these forms regularly is essential to keep the inheritance intact. Make sure the individuals listed still align with your intentions and that there are backup (contingent) beneficiaries in case the primary ones are no longer available. This simple step ensures your assets go directly to your intended heirs without unnecessary complications. Don’t overlook how powerful these designations are in your estate plan.

4. Plan Ahead for Taxes

Estate taxes, capital gains, and income tax on inherited assets can eat into your child’s inheritance quickly. You may be able to reduce the tax burden by gifting assets while you’re still alive, converting traditional retirement accounts to Roth IRAs, or utilizing tax-efficient investment strategies. Consulting with a tax advisor who understands estate planning can help you minimize what goes to the government and maximize what stays in your family. If your estate is sizable, it’s worth getting a long-term tax strategy in place. Proper planning makes a world of difference.

5. Talk to Your Kids About Money

An often overlooked way to keep inheritance intact is teaching your children how to manage money wisely. Even the best estate plan can be undone by poor financial habits, impulsive decisions, or a lack of preparation. Age-appropriate conversations about budgeting, saving, investing, and giving can help your kids develop a healthy relationship with money before they inherit a dime. If they’re older, consider involving them in aspects of your financial planning so they understand your intentions. Inheritance is a gift, but without guidance, it can quickly become a burden.

6. Work With a Professional Estate Planner

DIY estate plans may seem convenient, but they often leave critical gaps that put your child’s inheritance at risk. Working with a professional estate planner ensures that all the moving parts of your plan—from wills and trusts to tax strategy and insurance—are aligned. These experts can also help you navigate special circumstances, like blended families, business ownership, or dependents with special needs. The upfront cost of hiring a pro often saves families thousands later in legal fees, taxes, or missed opportunities. If you’re serious about protecting your legacy, expert help is worth every penny.

Protecting What You’ve Worked For Starts Now

You’ve worked hard to provide for your children, and the right plan ensures that hard work doesn’t go to waste. By taking these steps to keep inheritance intact, you’re building more than just financial security—you’re giving your kids the tools, resources, and peace of mind to succeed long after you’re gone. It’s never too early to start planning, but waiting too long can cost more than just money. Your legacy is worth protecting, and your children’s future depends on it.

Have you taken steps to protect your family’s inheritance? What advice would you give to other parents just starting the process? Share in the comments!

Read More:

8 Legal Battles Families Face Over Inheritance and Children’s Rights

How Sibling Rivalry Turns Into Financial Battles for Parents

Catherine Reed
Catherine Reed

Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.

Filed Under: Money and Finances Tagged With: estate planning, family wealth, financial literacy, financial planning for parents, inheritance planning, kids and money, legacy protection, parenting and finances, wills and trusts

Future Questions: 6 Critical Questions About Your Child’s Future

July 6, 2025 | Leave a Comment

Future Questions 6 Critical Questions About Your Childs Future

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It’s natural to think ahead when raising a child. Whether you’re planning for their education, health, or emotional well-being, the choices you make today ripple far into tomorrow. But how often do you pause and ask yourself the right questions about your child’s future, not just about where they’ll go to school, but about who they’ll become? Thinking critically now can help you create a foundation that supports their growth, independence, and happiness for years to come. Here are six powerful questions every parent should consider when planning for their child’s future.

1. Are We Teaching Them How to Make Decisions?

So much of your child’s future depends on their ability to make smart, independent choices. From what they eat to how they manage time and money, decision-making is a life skill that doesn’t come from lectures—it comes from experience. Giving your child room to make age-appropriate choices builds confidence and problem-solving ability. Letting them pick their clothes, manage an allowance, or choose extracurriculars teaches them how to weigh options and deal with consequences. Kids who learn how to think for themselves are more prepared to face real-world challenges.

2. Are We Prioritizing Mental and Emotional Health?

Academic success is important, but emotional health lays the groundwork for every other part of your child’s future. In today’s high-pressure world, kids need to know that how they feel matters as much as what they accomplish. Encouraging open conversations about feelings, offering coping tools, and modeling emotional regulation are all critical. If your child struggles with anxiety, stress, or low self-esteem, early support can make a long-term difference. Raising a mentally healthy child increases the odds that they’ll thrive in relationships, school, and adulthood.

3. Are We Equipping Them Financially?

Whether your child becomes a doctor, artist, or entrepreneur, they’ll need a basic understanding of how money works. Yet many parents overlook financial literacy until it’s too late. Teaching kids about budgeting, saving, and spending responsibly helps them build a healthy relationship with money early on. Start with simple tasks like managing a piggy bank, earning chore money, or opening a savings account together. Laying this groundwork can prevent financial missteps down the line and encourage independence in your child’s future.

4. Are We Helping Them Find Their Strengths?

It’s easy to focus on grades, milestones, and what other kids are doing, but each child has unique gifts. Helping them discover what they’re naturally good at can shape their sense of identity and even influence future career paths. Whether it’s problem-solving, empathy, music, or leadership, noticing and nurturing strengths boosts motivation and self-worth. Praise effort, not just outcomes, and offer opportunities for them to explore different interests. Supporting their strengths today sets them up to pursue passions confidently tomorrow.

5. Are We Preparing Them for Life Beyond the Screen?

Technology will always be a part of your child’s future, but so will human interaction, creativity, and practical skills. Are they learning how to communicate face-to-face, resolve conflicts, and handle everyday responsibilities? If not, they may struggle in areas that require emotional intelligence and adaptability. Set boundaries around screen time and create regular chances for connection, chores, and real-life learning. Life outside the screen is where critical thinking, resilience, and social skills are truly developed.

6. Are We Modeling the Life We Want for Them?

One of the most overlooked questions about your child’s future is this: Are we living in a way we’d want them to follow? Kids absorb more from what they see than what they’re told. If you want them to value kindness, self-care, or work-life balance, you need to show them what that looks like. Take care of your own health, relationships, and responsibilities while including your child in the process. Leading by example builds trust and gives your child a clearer, healthier vision of what a well-rounded future can be.

The Questions That Lead to Stronger Futures

The truth is, there’s no one-size-fits-all roadmap for your child’s future. But by asking thoughtful questions now, you create a more intentional path forward. These reflections won’t give you all the answers overnight, but they will help you raise a more capable, confident, and emotionally grounded human. Your influence today is their launchpad for tomorrow—and every thoughtful step counts.

Which of these questions made you stop and think? What would you add to the list? Let’s start a conversation in the comments!

Read More:

Heed This: 10 Urgent Warnings for Future Parents (Experts Say)

5 Easy Ways to Teach Kids About Wealth Early

Catherine Reed
Catherine Reed

Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.

Filed Under: Parenting Tagged With: child development, confident kids, education planning, emotional health, family goals, financial literacy, future planning, life skills, parenting tips, raising kids

Your Kid’s First Allowance: A Powerful Moment You Shouldn’t Waste

June 6, 2025 | Leave a Comment

Your Kids First Allowance A Powerful Moment You Shouldnt Waste

That first handful of dollars your child receives may not seem like a big deal—but it absolutely is. Your kid’s first allowance is more than just pocket money. It’s a golden opportunity to start shaping lifelong habits around saving, spending, and financial responsibility. What might feel like a simple transaction can quickly turn into one of the most impactful teaching moments in your child’s early years. With the right approach, you can turn allowance into an experience that builds confidence, teaches values, and encourages smarter choices for years to come.

1. Talk About the “Why” Behind the Allowance

Before handing over money, have a clear conversation about its purpose. Explain what the allowance is for—whether it’s for fun, savings, charity, or learning how to make decisions. Your kid’s first allowance shouldn’t be a surprise with no context. This is the perfect moment to introduce basic money principles in a way that feels exciting and empowering. By setting expectations from the start, you help your child see allowance as a responsibility, not a freebie.

2. Let Them Make (Small) Mistakes

It’s tempting to stop your child from blowing all their money on candy or the latest junky toy, but resist the urge. Part of the lesson of your kid’s first allowance is letting them learn through experience. If they spend it all at once and regret it later, that’s a powerful learning moment that sticks. These safe little mistakes are worth more than lectures. As long as the consequences are small, those early missteps help build smarter decision-makers.

3. Create a Simple Budgeting System

Even young kids can understand the idea of dividing their money into categories. Try the classic “Spend, Save, Give” method and provide three jars or envelopes to make it visual. Your kid’s first allowance is the ideal time to begin showing how different goals require different strategies. Saving for a toy takes patience, while giving to a cause builds empathy. A simple system encourages intentional spending rather than impulsive choices.

4. Tie It to Effort, Not Entitlement

There’s an ongoing debate about whether allowance should be tied to chores. Whether you decide to link it to specific tasks or not, make sure it’s associated with effort or contribution. Your kid’s first allowance sends a message: “Money doesn’t appear out of nowhere.” Whether it’s for making the bed daily or being responsible in general, connect allowance to effort so your child begins to value the work behind the reward. This lays the groundwork for a healthy work ethic.

5. Use It to Practice Saving for Goals

Helping your child save up for something they really want is one of the best uses of allowance. Whether it’s a new LEGO set or a trip to the arcade, setting a goal makes saving feel like a game instead of a chore. This moment in your kid’s first allowance journey teaches patience, planning, and the excitement of achieving something through discipline. Use visuals like charts or countdowns to keep them engaged. Reaching a savings goal is an unforgettable confidence boost.

6. Teach the Value of Giving

Generosity is a habit best formed early. Set aside a small portion of allowance for charitable giving—whether that’s donating to an animal shelter, church, or a class fundraiser. When your kid’s first allowance includes giving, they learn that money isn’t just for personal gain. It’s a tool to help others and create positive change. Discuss options together and let them decide where it goes to help build emotional investment in the act of giving.

7. Keep the Conversations Going

One talk isn’t enough. Make money a regular topic at dinner or during errands. Ask your child how they plan to spend, save, or share their next allowance, and offer praise for thoughtful decisions. Your kid’s first allowance should be the start of many little conversations about value, choices, and priorities. The more open and consistent you are, the more comfortable your child will be asking questions and making wise decisions over time.

A Little Money, A Lot of Impact

Don’t underestimate what a few dollars a week can do. Your kid’s first allowance is about more than budgeting—it’s about building character, habits, and confidence with money. When you take the time to approach it intentionally, you’re giving your child far more than spending power. You’re giving them a head start on financial literacy and a foundation they’ll use for the rest of their life.

What did your child do with their first allowance? Are you tying it to chores, savings, or both? Share your allowance stories and tips in the comments!

Read More:

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Catherine Reed
Catherine Reed

Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.

Filed Under: Personal Finance Tagged With: allowance advice, child allowance, financial literacy, kids and money, money habits, parenting tips, saving and spending, teaching kids about money

Here’s What You Should Do Before Letting Your Teen Get a Debit Card

May 24, 2025 | Leave a Comment

Heres What You Should Do Before Letting Your Teen Get a Debit Card

Giving a teen a debit card can feel like a rite of passage—one that comes with new freedom, responsibility, and financial decision-making. But it’s not as simple as heading to the bank and signing a few papers. Without the right preparation, a debit card can lead to impulse spending, overdraft fees, or lost cards that spark major stress. Teaching teens how to handle money before handing over plastic helps build lifelong habits rooted in responsibility. The goal is to guide, not control, so that financial independence starts on solid ground.

1. Talk About Wants Versus Needs

Before your teen swipes their first card, explaining the difference between essential spending and impulse buying is important. Teens are often tempted by peer influence, fast fashion, or the thrill of spending just because they can. A conversation about needs—like lunch money or school supplies—versus wants—like the latest gaming accessory—can help shape smart habits. Discuss examples from your own spending to show how these choices come up in everyday life. Making this distinction early supports better decisions when your teen is managing their debit card balance.

2. Set a Realistic Budget Together

A debit card doesn’t come with unlimited funds, and teens need to know how to work within a set budget. Sit down with your teen to establish a monthly or weekly spending limit based on their allowance, job income, or family contribution. Help them divide their budget into categories like food, fun, savings, and gas (if they drive). Tracking spending can be made easier with budgeting apps that link directly to their account. By learning to manage small amounts now, teens are better prepared for larger financial responsibilities down the road.

3. Discuss the Power of Saving

Treating a debit card like a tool for instant access is tempting, but it’s also a great opportunity to teach delayed gratification. Encourage your teen to set short-term goals like saving for concert tickets or new clothes and longer-term ones like building an emergency fund. Some teen banking apps allow them to separate funds into categories or “savings jars” to visually track progress. Make saving a regular part of your conversations, not just a once-in-a-while topic. The earlier saving becomes a habit, the stronger their financial foundation will be.

4. Review the Risks of Overdrafts and Fees

Many teens assume that if the card works, they must have the money to spend—but that’s not always true. Without proper understanding, a teen can easily overdraft their account or trigger penalties they didn’t know existed. Sit down and review how overdrafts happen, how to avoid them, and what fees can be tied to low balances. If possible, choose a teen debit card with overdraft protection or spending limits. Being upfront about the risks now prevents stressful surprises later.

5. Choose the Right Debit Card for Teens

Not all debit cards are created equal, especially when it comes to teen banking. Look for cards specifically designed for minors that offer parental controls, real-time notifications, and built-in educational tools. Some cards allow you to set spending limits or get alerts every time the card is used. Others include tools for tracking spending or setting savings goals. Choosing the right card means more support and fewer headaches for both parents and teens. Take the time to research your options instead of rushing to the nearest bank.

6. Encourage Tracking Every Transaction

A debit card creates a digital trail, which can help teens see exactly where their money is going. Encourage your teen to review their transaction history weekly and look for patterns. Are they spending \$30 a week on coffee? Are they consistently forgetting about recurring charges? This habit builds financial awareness and reduces the chances of running out of money unexpectedly. Tracking spending also builds transparency, so parents and teens can work together if adjustments are needed.

7. Set Clear Rules and Expectations

Before the card is activated, set clear boundaries to avoid future misunderstandings. Decide together what the card can and can’t be used for, how much autonomy your teen has, and what will happen if the card is lost or misused. Having a written agreement—even a simple one—can clarify expectations and give your teen a sense of shared responsibility. This conversation helps establish mutual trust while still offering guidance. Rules don’t need to be rigid, but they should be clear and consistent.

8. Teach Digital Safety and Fraud Awareness

Digital safety is part of managing money today, especially with teens using their cards online. Make sure your teen knows how to spot scams, avoid sharing their card info, and recognize suspicious activity. Talk about the importance of keeping login credentials private and using secure websites when shopping. Help them understand how to lock their card if it’s lost and what to do if they notice unauthorized charges. Financial literacy now should include both budgeting skills and online safety knowledge.

Helping Your Teen Become a Smart Spender Starts Now

A debit card can be a powerful tool for building money skills, but only when it’s paired with thoughtful guidance and honest conversations. Teaching teens how to budget, track spending, and stay safe online helps them grow into responsible cardholders. Financial education doesn’t need to be intimidating—it just needs to be ongoing and practical. When parents lay the groundwork early, teens gain the confidence to manage real-world money decisions. Setting your teen up for success starts with a little planning and a lot of trust.

Have you helped your teen take their first steps into financial independence? What worked—and what didn’t? Share your debit card experiences in the comments.

Read More:

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Catherine Reed
Catherine Reed

Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.

Filed Under: Personal Finance Tagged With: budgeting tips for kids, debit cards for teens, financial literacy, smart spending, teen money habits

10 Places Your Kids Can Learn Real-Life Skills (That Schools Won’t Teach Them)

May 17, 2025 | Leave a Comment

10 Places Your Kids Can Learn Real Life Skills That Schools Wont Teach Them

Schools cover a lot—reading, math, science, and history—but some of life’s most important lessons don’t appear in any textbook. Real-life skills like budgeting, cooking, negotiation, time management, and emotional intelligence often get skipped in favor of standardized testing. That’s where parents come in. The world outside the classroom is full of valuable teaching moments if you know where to look. You don’t need a formal curriculum to help your child become capable, confident, and self-sufficient.

Whether your child is a toddler or a teen, these everyday places can become powerful learning environments. Each one offers hands-on opportunities to build practical knowledge they’ll use for the rest of their lives. Let’s take a look at 10 spots where kids can gain real-world experience and pick up real-life skills that schools often leave out.

1. The Grocery Store

The grocery store is a crash course in budgeting, nutrition, planning, and patience. Have your child help make the shopping list, compare prices, or keep track of spending. They’ll quickly learn how to make trade-offs, read labels, and stick to a plan. Older kids can calculate unit prices and determine which items offer better value. This is one of the easiest ways to sneak in lessons on money management and healthy choices.

2. The Kitchen

Cooking teaches more than just how to follow a recipe—it builds confidence, creativity, and independence. Measuring ingredients helps with math, while prepping meals reinforces safety, cleanliness, and nutrition. Kids also learn time management and how to multitask effectively. Let younger kids wash veggies or stir ingredients, and give older ones control over simple meals. Kitchen time is hands-on, satisfying, and endlessly useful in adulthood.

3. The Library

Libraries offer more than books—they teach responsibility, self-directed learning, and digital literacy. Kids learn how to find information, manage return deadlines, and explore topics that interest them. Library cards can be their first experience with personal accountability. Many libraries also offer free workshops, tech classes, and community events. It’s a great way to build curiosity while reinforcing real-life skills like organization and follow-through.

4. The Bank

A visit to the bank (or even using a banking app together) is an opportunity to demystify money. Kids can learn how to deposit checks, understand savings and interest, and see where their money goes. Explain the difference between checking and savings accounts and how budgeting tools work. This real-world exposure builds financial literacy from a young age. It also opens the door to conversations about earning, spending, and saving wisely.

5. The Post Office

While it may seem old-school, the post office teaches kids how to address mail, understand postage, and follow procedures. They can learn about sending packages, filling out forms, and respecting queues and deadlines. Understanding how systems work—from stamps to tracking numbers—teaches attention to detail. It’s a small but valuable lesson in responsibility and logistics. Plus, writing letters helps build communication and social skills.

6. Local Volunteer Organizations

Volunteering is one of the best ways to teach empathy, teamwork, and social responsibility. Whether they help at an animal shelter, food bank, or park clean-up, kids gain real-life skills that go far beyond the classroom. They see the impact of their actions and develop a deeper appreciation for their community. Volunteering also helps kids practice leadership, follow directions, and interact with diverse groups of people. It’s an excellent way to foster gratitude and personal growth.

7. The Hardware Store

A trip to the hardware store can turn into a masterclass in problem-solving and home maintenance. Talk about how different tools work, why materials cost what they do, and how to plan for a repair project. Let kids help choose paint colors, count screws, or measure lumber. Projects at home—like fixing a leaky faucet or building a shelf—teach practical skills that schools rarely touch. This kind of hands-on learning builds both competence and confidence.

8. Family Budget Meetings

Inviting your kids into simple money discussions at home helps them understand how financial decisions get made. Break down the basics of income, expenses, bills, and savings goals. Let them suggest ideas for cutting costs or saving up for something fun as a family. Kids who are included in budgeting early learn to be thoughtful and realistic about money. It’s one of the best ways to model financial responsibility.

9. The Car

The car can be a classroom on wheels, from filling up gas to checking tire pressure. Show kids how to read the dashboard, schedule maintenance, or even change a tire. Older teens should know how to budget for gas and basic car care before they’re handed keys. These lessons teach responsibility, attention to detail, and long-term planning. Plus, they help prevent costly mistakes down the road.

10. The Workplace (Even Just Visiting Yours)

Letting your child see what you do for work teaches them about effort, routine, and professionalism. Whether it’s an office, construction site, or small business, they’ll start to understand the value of time and labor. Ask if they want to help with simple tasks or shadow for an hour. It gives context to your daily schedule and helps them think about their own future goals. Plus, they’ll appreciate your efforts more when they see what “a day at work” really means.

Real-Life Lessons Don’t Require a Lesson Plan

You don’t need to be a teacher to teach real-life skills. Daily errands and household routines can become powerful learning moments with just a little intention. By involving your kids in the real world, you’re preparing them for the kind of independence, resilience, and resourcefulness no standardized test can measure.

What everyday places have helped your kids learn real-world lessons? Share your insights in the comments!

Read More:

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Catherine Reed
Catherine Reed

Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.

Filed Under: Parenting Tagged With: child development, family learning, financial literacy, life lessons for kids, parenting advice, raising independent kids, real-life skills

How a $5 Weekly Allowance Turns Into a Lifetime of Poor Spending Habits

May 16, 2025 | Leave a Comment

How a 5 Weekly Allowance Turns Into a Lifetime of Poor Spending Habits

Five dollars a week might not sound like much, but the habits it builds—or fails to build—can last a lifetime. When kids receive an allowance without clear expectations or guidance, it’s easy for that money to disappear into impulse buys and short-term thinking. Unfortunately, those patterns don’t magically disappear when they turn eighteen. Instead, they often grow into chronic overspending, poor budgeting, and a shaky financial future. Teaching smart money habits starts long before your child ever earns their first paycheck.
Many parents give allowances with good intentions: to teach responsibility, reward chores, or give their kids some spending freedom. But if that allowance isn’t paired with meaningful lessons, it turns into an easy way to fund habits that hurt more than help. The truth is, a $5 allowance isn’t just about five dollars. It’s about teaching kids how to think about money, value it, and use it wisely. Here’s how that small weekly allowance can spiral into bigger issues—and what you can do to change the outcome.

1. Spending Without Saving Becomes the Norm

If your child spends their entire allowance the same day they get it, and you never intervene, they’re learning to prioritize immediate gratification. That behavior becomes a habit, not just a phase. Later in life, this can show up as an inability to save for emergencies, goals, or even retirement. Without early guidance, saving becomes something “other people do,” not a basic part of managing money. Creating simple saving expectations now can prevent serious financial struggles down the road.

2. No Budget = No Boundaries

Handing your child an allowance without talking about budgeting is like giving them a car without teaching them to drive. If they don’t know how to track what they have, they’re not learning to set limits, plan purchases, or think ahead. Instead, they learn that money comes and goes without much thought or effort. This mindset can make it incredibly hard for them to stick to a budget as adults. Budgeting should start small—like dividing allowance into categories for saving, spending, and giving.

3. Every Dollar Feeds Impulse Buying

When allowance money is spent exclusively on candy, cheap toys, or video game add-ons, kids start to associate money only with indulgence. Over time, this creates a pattern of emotional or impulsive spending that’s hard to break. Adults who never learned to pause and prioritize often spend money to feel better, not because they need something. Teaching kids to stop and think before spending—even on small purchases—builds lifelong skills like patience and decision-making. A five-minute conversation about their choices can go a long way.

4. They Never Learn the Value of Earning

If your child receives a $5 weekly allowance no matter what, they may start to expect money without effort. This “free money” mentality can create entitlement and a poor work ethic over time. Associating allowance with completed chores or goals helps kids understand that money is earned, not given. When they understand that money represents time and effort, they’re less likely to spend it carelessly. Earning money gives it meaning—and makes them more thoughtful about where it goes.

5. Poor Spending Habits Become Family Habits

Your child’s financial behavior doesn’t happen in a vacuum. If your family never talks about saving, budgeting, or making thoughtful spending choices, your child won’t either. That $5 weekly allowance is an opportunity to model good habits and create a culture of money mindfulness in your home. If ignored, though, it can set the stage for a lifetime of financial instability. Kids learn best from what they see, so use allowance as a tool to reinforce your own healthy money habits too.

6. They Miss Out on Goal Setting

Allowance should be about more than buying the next toy. It’s a chance to teach kids how to set goals, delay gratification, and work toward something they truly want. When a child saves for weeks to buy a new skateboard or a concert ticket, they gain confidence and pride in their accomplishment. Without that opportunity, money remains a fleeting source of pleasure, not a tool for long-term thinking. Helping your child set and achieve savings goals is a powerful way to build future financial confidence.

7. No Financial Conversations Lead to Confusion Later

If you never talk to your child about how to manage that $5, don’t be surprised when they struggle to handle $500. Avoiding money conversations because they seem awkward or “too adult” leaves kids unprepared for the real world. They need to understand not just how to use money, but how to make decisions with it. Talking about wants versus needs, prices, and trade-offs can start at any age. Your guidance now is what gives them clarity and confidence later.

A Little Allowance Can Teach Big Money Lessons

That $5 a week isn’t just spending money—it’s a chance to build skills that will shape your child’s entire financial future. With the right structure, expectations, and conversations, allowance becomes a teaching tool, not a trap. Whether you tie it to chores, give it as a budget, or use it to practice saving, what matters most is how intentionally you approach it. After all, good habits aren’t born—they’re taught. And the earlier you start, the better.

How do you use allowance to teach money smarts in your home? Share your tips in the comments!

Read More:

5 Surprising Ways Kids Are Secretly Spending Your Money (Without You Knowing)

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Catherine Reed
Catherine Reed

Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.

Filed Under: Personal Finance Tagged With: allowance for kids, bad spending habits, Family Budgeting, financial literacy, money management, parenting tips, teaching kids about money

6 Times Parents Should Say “I Can’t Afford That” Out Loud

May 15, 2025 | Leave a Comment

6 Times Parents Should Say I Cant Afford That Out Loud

For many parents, the words “I can’t afford that” feel like failure. We want to shield our kids from stress and keep their world magical. But avoiding financial honesty doesn’t do children any favors—it creates unrealistic expectations and hides important lessons about money. In a culture full of instant gratification and social pressure, saying those five words out loud can be one of the most responsible things you do. Not only does it protect your budget, but it also helps raise money-smart kids who understand the value of living within their means.

1. When Your Child Wants Something Just Because Their Friends Have It

Peer pressure doesn’t end with middle school—it just evolves. If your child suddenly needs a pricey gadget, designer item, or the latest trend just to fit in, it’s time to introduce a little financial perspective. Saying “I can’t afford that” isn’t about shaming them—it’s about explaining that financial decisions are made based on needs, not popularity. It’s also a great opportunity to talk about budgeting, saving up for things they truly want, or considering secondhand alternatives. The goal isn’t to deny them joy, but to teach them not to measure self-worth by what other people own.

2. When a Birthday Party or Holiday Gift List Gets Out of Hand

Special occasions can easily turn into financial pressure cookers. It’s tempting to stretch the budget “just this once” for a big birthday bash or a holiday wishlist filled with big-ticket items. But overspending for milestones can lead to regret later—and it sets the bar impossibly high for future events. Saying “I can’t afford that” during planning shows your child that joy isn’t about the number of gifts or how expensive the experience is. Instead, it’s about time together, creativity, and thoughtful gestures that don’t leave your wallet gasping for air.

3. When You’re Tempted to Keep Up with Other Parents

From lavish vacations to packed extracurricular schedules, it’s easy to feel like you’re falling behind as a parent if you’re not offering the same experiences as other families. But trying to keep up—when your finances say otherwise—is a one-way ticket to burnout and debt. Kids might notice what their friends do, but they won’t remember it as much as they remember your stress or frustration. Saying “I can’t afford that” is a brave way to break out of the comparison trap. It reminds both you and your children that values, not trends, should guide your choices.

4. When a “Little Treat” Turns Into a Regular Expense

It might start with a toy in the checkout line or a weekly fast-food run, but those small indulgences add up quickly. If these treats have become routine and you find yourself justifying them as a reward or comfort, it might be time for a reset. Letting your child hear “I can’t afford that right now” helps them understand that even small purchases require thought. It also gives them a better grasp on how money works in everyday life. Kids don’t need daily treats—they need financial role models.

5. When They Ask for Something During a Tough Financial Period

Whether it’s a job loss, an unexpected medical bill, or rising living costs, every family faces financial strain at some point. When money is tight, honesty is key. Instead of pretending everything’s fine or feeling guilty for saying no, explain what’s going on in age-appropriate terms. “I can’t afford that right now” doesn’t make you a bad parent—it makes you a real one. Teaching kids to adjust during tough times helps them build resilience and respect the financial ups and downs of life.

6. When You Want to Set an Example of Financial Boundaries

Even if you technically can afford something, it doesn’t mean you should buy it. Kids need to see you making choices that prioritize savings, long-term goals, or basic needs over unnecessary wants. Saying “I can’t afford that” is sometimes more about setting boundaries than literal affordability. It teaches kids that just because you want something doesn’t mean it’s worth the cost. Those are the moments that shape how they handle money as adults.

Teaching Truth Over Temporary Comfort

Saying “I can’t afford that” isn’t about making your child feel guilty—it’s about helping them understand that money is a limited resource that requires thought, planning, and discipline. Financial honesty fosters trust and sets realistic expectations that will serve your kids for life. The more they hear you talk openly about money, the more prepared they’ll be to manage their own someday. The truth may be uncomfortable in the moment, but the lessons it plants are priceless.

When have you found it hardest to say “I can’t afford that”? Share your experience in the comments—we’d love to hear your take.

Read More:

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Catherine Reed
Catherine Reed

Catherine is a tech-savvy writer who has focused on the personal finance space for more than eight years. She has a Bachelor’s in Information Technology and enjoys showcasing how tech can simplify everyday personal finance tasks like budgeting, spending tracking, and planning for the future. Additionally, she’s explored the ins and outs of the world of side hustles and loves to share what she’s learned along the way. When she’s not working, you can find her relaxing at home in the Pacific Northwest with her two cats or enjoying a cup of coffee at her neighborhood cafe.

Filed Under: Budgeting Tagged With: budget-friendly parenting, Family Budgeting, family finances, financial literacy, money habits, parenting tips, teaching kids about money

You’re Not Teaching Financial Literacy—You’re Teaching Financial Fantasy

May 8, 2025 | Leave a Comment

Image source: Unsplash

Handing your kid a laminated chart, a plastic piggy bank, and a few pretend “chores” every week might feel like responsible parenting. After all, you’re trying to teach the value of hard work, saving, and independence.

But if your version of “financial literacy” ends there, you’re not teaching them how money really works. You’re teaching them financial fantasy—a sanitized, unrealistic version of the system they’re eventually going to face. The consequences of that disconnect can show up in adulthood as chronic debt, poor saving habits, and a toxic relationship with money that’s hard to unlearn.

It’s time to stop patting ourselves on the back for teaching budgeting with Monopoly money and start giving our kids the real-life tools they’ll actually need.

The Problem With “Chore for Cash” Models

The most common starter model for teaching kids about money is the age-old “do a chore, earn a dollar.” On the surface, that seems fair. It links effort to reward and teaches cause and effect. But it also sets up some dangerous assumptions:

  • That money only comes from others giving it to you in exchange for small tasks
  • That all work equals fair compensation
  • That money is guaranteed when a chore is completed

In the real world, jobs are often unpaid or underpaid. Raises aren’t always tied to hard work. Sometimes, people work full-time and still can’t afford housing. And no one pays you to clean your own bathroom.

When kids only learn to “perform a task, receive money,” they’re unprepared for the complexities of a real paycheck, taxes, overhead costs, and the nuance of value versus effort.

Budgeting Is More Than “Save Some, Spend Some”

Many well-meaning parents split their kid’s “earnings” into jars labeled spend, save, and give. This model looks tidy, but it doesn’t mirror how actual adults manage money. In real life, we don’t separate money in physical jars. We deal with fixed expenses, fluctuating bills, and the mental tug-of-war between short-term wants and long-term needs.

Kids need to know:

  • What a budget actually looks like with recurring costs (rent, insurance, groceries)
  • How to prioritize essentials before luxury
  • That saving isn’t just stashing cash—it’s a strategy
  • That giving, while noble, doesn’t mean you ignore your own financial security

A better approach? Walk your child through your actual monthly budget (at an age-appropriate level). Show them what percentage goes to essentials, what “leftover” looks like, and how sometimes you have to make hard trade-offs.

Credit, Debt, and Interest: The Hidden Curriculum

Most adults wish they had learned about credit scores, interest rates, and debt traps earlier. Yet many parents avoid teaching these concepts to kids, assuming it’s “too complicated.” But by the time they’re offered their first credit card in college, it’s already too late.

You can start small. Explain that:

  • Borrowing money means paying back more than you took
  • Credit scores impact more than loans—they affect housing, jobs, and security deposits
  • Buying something “on sale” with credit isn’t saving if you’re paying interest on it

Financial literacy means understanding the system, not just counting coins. If your child doesn’t understand the consequences of compound interest and the emotional weight of debt, they’re not ready to navigate adult money.

Image source: Unsplash

The Emotional Side of Money Is Often Ignored

Here’s what most financial literacy models miss: money is emotional. It’s tied to shame, anxiety, power, freedom, and self-worth. Teaching your child about money without acknowledging how it feels sets them up to feel confused when their emotions don’t match their spreadsheets.

Do they understand the impulse to buy something when they’re sad? Do they know how it feels to compare their life to others with more? Can they identify when they’re using money to gain approval or avoid conflict?

This is financial literacy, too. Emotional intelligence with money matters just as much as numbers do.

Digital Dollars Deserve Real Conversation

Most kids today don’t see paper money often. They watch you tap your phone at the grocery store, Venmo your friends, or get paid via direct deposit. If you’re still teaching them with dollar bills, they’re learning an outdated model that doesn’t match the world they live in.

Teach them how online banking works. Show them a debit card statement. Explain what happens when you overdraft or how subscriptions slowly eat away at your balance.

Money is increasingly digital. So is risk. Financial literacy in 2025 has to include scams, phishing, online shopping traps, and the psychology of targeted marketing. If you’re not talking about those things, you’re not preparing them for reality.

What Real Financial Literacy Looks Like

Financial literacy is not just:

  • Earning allowance
  • Using a piggy bank
  • Spending at the toy store

It’s about:

  • Understanding opportunity cost
  • Navigating fixed vs. variable expenses
  • Being aware of your emotions around spending
  • Asking questions before signing contracts
  • Recognizing marketing manipulation
  • Building a relationship with money based on clarity, not fear

You don’t need to make it complicated. You just need to make it real.

So What’s the Alternative?

Instead of just assigning chores for cash, try these real-world learning moments:

  • Include them in grocery planning. Give them a budget and let them help make choices.
  • Let them see a utility bill. Talk about usage and consequences.
  • Open a youth checking account together. Show them how to track deposits and spending.
  • Have honest conversations about money stress. Within reason, show them that money isn’t magic. It requires planning and sacrifice.

When kids grow up with a deeper, more nuanced understanding of money, they aren’t just financially literate. They’re financially prepared.

What’s one financial lesson you wish someone had taught you before adulthood?

Read More:

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Riley Schnepf
Riley Schnepf

Riley is an Arizona native with over nine years of writing experience. From personal finance to travel to digital marketing to pop culture, she’s written about everything under the sun. When she’s not writing, she’s spending her time outside, reading, or cuddling with her two corgis.

Filed Under: Money and Finances, Parenting Tagged With: Budgeting for Kids, Financial Education, financial literacy, money mindset, parenting and money, real-life money skills, teaching kids finance

6 Money Habits That Can Set Kids Up to Struggle

May 6, 2025 | Leave a Comment

Image by Alexander Grey 

Most parents want their kids to grow up with strong values, confidence, and the ability to take care of themselves in the real world. But when it comes to money, many of the habits we pass down aren’t lessons we’ve thought about deeply. They just sort of happen—through our behaviors, reactions, and the unspoken cues our kids absorb over time.

That’s where the problem begins. Children learn far more from what they observe than what they’re told. If we handle money with shame, fear, impulsivity, or silence, they take those messages to heart and carry them into adulthood. And while no parent is perfect, especially when dealing with financial pressures, it’s worth recognizing the habits that could quietly set your kids up to struggle.

Let’s take a look at six money habits that might seem harmless on the surface but can plant the seeds for future financial hardship.

1. Avoiding Money Conversations Entirely

Many parents think they’re protecting their kids by not talking about money. They may believe it’s inappropriate, too stressful, or simply “adult stuff.” But silence doesn’t protect kids. It creates mystery and fear. When money is treated like a secret or taboo topic, kids may grow up feeling anxious, ashamed, or clueless about how to manage it.

Children need age-appropriate conversations about how money works, why budgeting matters, and how choices affect long-term outcomes. When parents normalize those talks, kids grow up viewing money as something they can understand and manage, not something to avoid or fear.

2. Modeling Emotional Spending

Everyone has tough days. But if your coping mechanism is “retail therapy,” your kids are watching. Over time, they begin to associate spending with soothing, reward, or control. That emotional connection to money, especially spending, can make it hard for them to make rational decisions when they’re stressed later in life.

It doesn’t mean you can never enjoy a splurge. But when spending becomes the default response to disappointment, boredom, or celebration, it teaches kids that money is for mood management, not intentional living.

3. Never Letting Kids Handle Money

It’s common for parents to want to take full control over finances, especially when kids are young. But if children never get hands-on experience with money—earning it, spending it, saving it—they don’t develop confidence. They may reach adulthood with a bank account but zero skills in managing it.

Letting kids handle their own money in small, safe ways helps them build real-world decision-making. Whether it’s through allowance, chores, or budgeting for something they want, they need those early experiences to make mistakes, learn from them, and grow more capable.

Image by Fabian Blank

4. Equating Money With Morality

Some parents unintentionally frame money as a moral issue. They might say things like, “People who have money are greedy” or “We can’t afford that because we’re not like those people.” While these statements may come from financial frustration, they send a message that being poor or rich reflects your character.

Kids pick up on that. They may develop guilt when they earn more later in life or feel they don’t deserve financial security. Or worse, they may sabotage themselves financially to stay aligned with what they believe makes them “good.” It’s important to separate money from moral value. Financial success doesn’t make someone better or worse. It just reflects how they’ve managed their opportunities.

5. Using Money as a Weapon or Bribe

When parents use money to control behavior, whether by withholding it as punishment or offering it as the only reward, it creates a transactional view of relationships and self-worth. Kids may grow up believing love, approval, or security must be bought or earned through performance.

This kind of conditioning often leads to unhealthy dynamics in adulthood. They may tie their self-esteem to income or seek out relationships where money is used as power. Discipline, love, and boundaries should exist separately from money. Otherwise, the lessons get dangerously tangled.

6. Living Beyond Your Means Without Explanation

Sometimes, life requires financial juggling. But when kids grow up in a household where it looks like money is unlimited without context, they develop unrealistic expectations. If they see constant shopping, new gadgets, and lavish spending, they may assume that’s what adulthood looks like, even if debt is quietly stacking up behind the scenes.

If parents never explain the sacrifices, trade-offs, or financial planning behind big purchases, kids don’t learn to weigh their own choices. A little transparency, like explaining why you chose a road trip over a luxury vacation, can go a long way in helping them understand value versus appearance.

Start By Being Aware

Financial habits are like invisible hand-me-downs. We may not realize we’re passing them along, but our kids inherit them all the same. The good news is that change is always possible. Awareness is the first step. When parents start paying attention to the messages they send, intentionally or not, they can begin to rewrite the narrative for the next generation.

You don’t need to be a financial expert. You just need to be honest, present, and willing to grow alongside your child.

Have you caught yourself passing down a money mindset you wish you hadn’t? What would you do differently if you could go back?

Read More:

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Riley Schnepf
Riley Schnepf

Riley is an Arizona native with over nine years of writing experience. From personal finance to travel to digital marketing to pop culture, she’s written about everything under the sun. When she’s not writing, she’s spending her time outside, reading, or cuddling with her two corgis.

Filed Under: Money and Finances, Parenting Tagged With: financial habits, financial literacy, kids and money mistakes, money mindset, parenting and money, personal finance, raising money-smart kids, teaching kids about money

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Basic Principles Of Good Parenting

Here some basic principles for good parenting:

  1. What You Do Matters: Your kids are watching you. So, be purposeful about what you want to accomplish.
  2. You Can’t be Too Loving: Don’t replace love with material possessions, lowered expectations or leniency.
  3. Be Involved Your Kids Life: Arrange your priorities to focus on what your kid’s needs. Be there mentally and physically.
  4. Adapt Your Parenting: Children grow quickly, so keep pace with your child’s development.
  5. Establish and Set Rules: The rules you set for children will establish the rules they set for themselves later.  Avoid harsh discipline and be consistent.
  6. Explain Your Decisions: What is obvious to you may not be evident to your child. They don’t have the experience you do.
  7. Be Respectful To Your Child: How you treat your child is how they will treat others.  Be polite, respectful and make an effort to pay attention.
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