Let’s be real—money is a tricky thing. It can give you freedom, but it can also cause a lot of stress if you don’t handle it well. As a mom, my biggest hope is that my kids grow up to be financially smart, responsible, and, most importantly, kind. So, here are the money lessons I’m drilling into them (whether they like it or not!)
1. There’s No Money Mistake You Can’t Come Back From
Life happens. You might overspend, make a bad investment, or rack up more debt than you intended—but guess what? You can always come back from it. The worst thing you can do is panic and ignore the problem. If you ever find yourself in a financial mess, don’t hide it—call me. We’ll figure it out together, no judgment. The key is to learn from it and move forward. Every smart financial decision starts with a lesson, and sometimes, that lesson comes from a mistake.
2. When You’re Ready to Make a Big Purchase, Call Me
I’m not here to kill your dreams of a new car, a house, or whatever shiny thing you’re eyeing. But before you swipe that card or sign that loan, let’s talk it through. Do you really need it? Can you afford it without putting yourself in a financial bind? Sometimes, a little patience or research can save you thousands. And if you still want it after we talk? Go for it. Just make sure it’s the right move for you.
3. Do Not Spend Money You Haven’t Seen or Earned
Listen, I know it’s tempting to plan your spending based on that bonus, tax refund, or paycheck that’s on its way. But until that money is sitting safely in your account, don’t touch it. Spending money you don’t actually have is a one-way ticket to financial stress. And if you truly can’t afford something? It’s okay to say, “I can’t afford it.” It doesn’t mean you’re failing—it means you’re being smart. There’s nothing wrong with living within your means. In fact, it’s the best way to stay in control of your finances.
4. Stay Humble, No Matter Your Financial Situation
Here’s the truth: No matter how much money you have, there will always be someone with more and someone with less. So stay grounded, stay grateful, and don’t ever let money define your worth. Be kind to others, help when you can, and remember—true wealth isn’t just about numbers in a bank account; it’s about the relationships, memories, and experiences that make life rich.
5. Mom and Dad Will Always Be Here
Life can be unpredictable, and no matter how old you are or where life takes you, I want you to know that you can always call home. If you ever need advice, support, or just someone to listen, we’ll be here. Money stress? We’ll talk it through. Need a little help? We’ve got your back. But, fair warning—if you need heavy lifting or moving furniture, call your dad. (LOL!) Family is forever, and no matter what, you’ll never have to figure it all out alone.
Raising financially smart, responsible, and kind humans isn’t just about numbers—it’s about values. My hope is that these lessons stick with my kids for life, helping them make good choices, stay true to themselves, and build a future they’re proud of.
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