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Smart Money Habits: Teaching Kids to Save and Invest
USAThursday, December 11, 2025
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Turning Financial Lives Around
- Paid off $250,000 in debt
- Built a $1 million net worth
- Goal: Teach kids a healthy relationship with money
Smart Money Habits at Home
- Regular money talks at home
- Simple, catchy phrases to excite kids about saving and investing
Key Phrases and Lessons
- "You can make money while you sleep"
- Concept: Compound growth
- Action: Start small with allowance or birthday money
Result: Index fund shares grow over time
- "Saving can help you avoid stress in the future"
- Concept: Long-term thinking
- Action: Set aside allowance for "just-in-case" moments
- Result: Kids learn accountability and preparedness
- "You don't want to work forever"
- Concept: Early investing for future options
- Action: Save and invest today
Result: More choices in the future, less financial stress
- "Waiting builds value"
- Concept: Discipline and self-control
- Action: Save up for wants instead of using credit
Result: Kids often realize they don't need the item or find a better alternative
- "Value what you worked so hard for"
- Concept: Patience, gratitude, and confidence
- Action: Earn and save money
- Result: Kids understand the meaning of their achievements
Actions
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