One of Our Greatest Responsibilities As a Parent is to Teach our Children About Money

By teaching your children to save & spend money wisely you will be preparing them for the future (no matter what is happening in world markets) - and ensure that they ultimately become financially secure

From the desk of Rob Willis

Monday, 9:06 a.m.

Good  Friend,

Although my father is an accountant, as I was growing up I was never taught the first thing about money. I often heard those familiar words: “Money doesn’t grow on trees” or “I’m not, made of money".

It is funny how, as parents, we don't often think to teach our children one of the most important things in life, which is giving our children a financial education.

Is it that we don't know ourselves, or is it like one of those taboo subjects like the dreaded sex talk?

For one reason or another it just doesn't cross our minds to talk to our children about money. Perhaps we think it is a subject they will get taught at school. Now to be honest, do you really want a teacher who is struggling financially to teach your children about money?

I Wish My Parent's Taught me About Money.

As I stated earlier, my father is an accountant. Now as much as I love and respect my father, I very much wish he had a greater interest in my financial education as I was growing up. Because of this I never had any real guidance at home when it came to money finances

We did however have some unique opportunities to earn money through one of my father’s clients, so we often were able to earn a hundred dollars within a single week. Unfortunately, we just as quickly spent most of it. You could say I had more dollars than sense.

By the time I was 18, I had managed to get myself into about $10,000 of debt, with basically nothing to show for it. Like so many others I got caught in the credit card and trap, spending most of my money on pleasures, such as the movies, or dinner at a fancy restaurant. I honestly had no idea about the value of money.

How I Slowly Turned My Life Around

It wasn’t until I started going out with the girl who is now my wife, that I was able to dig myself out of my debt. And in the process learn many lessons about money and goal setting.

It took me a few years, but I managed to get myself back on track, and to a point where I could start looking forward to a positive future. To dig myself out of the mire I was in, I had to learn such skills as goal setting, intelligent spending & delayed gratification.

It was during this time that I became determined not only to never return to that path, but to also be actively involved with my own children’s financial upbringing (when I eventually had kids).

Another Revelation

A few years later, I had the unfortunate experience of losing my mother to cancer. Now I had not seen my mother for a number of years as she lived halfway across the country.

The day I was due to fly up to see her and to say my final goodbyes; she died before I got there.

I still flew up anyway to help a couple of my brothers take care of the final arrangements, part of which was to sort out the apartment she was living in.

You will not believe the poverty my mother died in. The place was a dump! It stank of smoke & looked as though the place had been taken over by drug addicts or something.

It was at that point that I firmly decided that I would never risk ending up like that myself, or every letting any of my children do so either When I got back home, I came across the book “Rich Dad, Poor Dad” by Robert Kiyosaki. This was my first step to putting me on the path of financial security. 

Moving Forward

Since that time I have been studying financial books & concepts for years, most of which are targeted at "Getting Rich" either through the Share Markets, Property or Business. But very few of them simply discuss the importance of money, especially in ways that our kids can understand them.

Having three children of my own, I wanted to be able to help them to understand the value of money, without getting bogged down in ways to make money. I believe it is far more important for them to understand the value of money, than it is for them to learn ways to earn it. Because if they start earning it before they value it, they will simply waste it.

This can be seen in adults, who win the lottery & then within a couple of short years they have lost it all. (And very often, worse off than before they won the money).

Through years of research & personal experience, I have been able to not only teach my own kids about money, but I have made it fun for them along the way, which as you know is the best way for children to learn.

Every Child is Different

As a parent who has three children, I have found their mindset's to be completely different. My oldest son's attitude towards money is, "I have got $10. What can I buy?", while the younger two would think "I have got $10. Now if I buy that toy for $7, I will only have $3 left."

By teaching my children the value of money, through a series of easy steps & activities, such as goal setting, & real life scenarios, I have managed to help them change their mindset's in regards to money.

Now I have taken all of this knowledge & life experiences and I have laid out a simple and easy to understand plan for Teaching Children About Money that you can obtain in the next few minutes and help your children take charge of their financial destiny.

Now available to you in an illustrated e-Book format:

"Teaching Your Children About Money"

If you want to save your own children from much of the heartache that so many other people go through daily, and obliterate wasteful spending from their lives forever, then you need to know how your kids can benefit from the techniques you'll learn from this e-book.

Within the pages of this ebook you will learn many ways to give your kids the right foundation to learn about the value of money, which can only help them to become financially secure in the future.

Knowing about basic money concepts is the 1st step to children being able to really understanding the building blocks for their financial future. 

Children often have a hard time .........

• Learning to Identify Money. - Understand the difference between the different coins & notes.
• Learning to Count Money - Most young children don't understand that sometime more equals less.
• Learning to Make Change - Teach them if they spend some money they will only have so much left.

 Children don't know the differences between cost and value which is the fundamental starting point for them being able to make their own purchases

Children should be taught....

• The difference between a Sale & a Bargain - Just because something is on sale it doesn't mean it is good value for money.
• What is a Bargain? - A sale item is only really a bargain if you need it. It is pointless buying something you don't have a need for just because it is on sale.
• Identify true Bargains - Take your children shopping with you & spend time talking to them about what is on sale.
• Necessities vs. Luxuries - Often your child's definition of a necessity is very different to our own.

Most Children As Well As Many Adult's Do Not Understand That It Is Better To Give Than Receive.

A rather difficult lesson for kids is Giving & Sharing. Teach them to...

• Help Others in Need - We should be taught from a young age to share our good fortunes, be it our money or our time.
• The Concept of Tithing - Giving back to God, Charity or your Community.
• Disaster Relief - Even the smallest contribution goes a long way to helping others.

In addition you can:

• Share fun activities with your children that you both can learn from.
• Give your children a sound financial mindset to help them later in life.
• Perhaps be reminded of certain key concepts which can help improve your own financial mindset.

Imagine your parental pride, when your children start making sound financial decisions because of what you have been able to teach them using the principles found throughout this book.

In fact, I will go as far as saying your heart will fill with pride, when your kids come to you and tell you that they now have so much money accumulating in their bank account, or they have enough money to buy something that they have only ever dreamed of, and still have money left in the bank.

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