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Ryan M

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Basic Money Smarts
General Finance
Teaching kids about money, teaching your kids about money, teaching kids, teaching, kids, children, money, money skills, teach your kids, allowances, financial literacy, value of money
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Portland, Oregon, United States
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Latest Blog Posts

Sometimes as parents we, jokingly, try to use reverse psychology on our kids.  So, with that in mind, here’s what you can tell them TO DO IF THEY DON’T WANT TO BE RICH.   Spend more money than they earn. This is a great way to get rid of your money.  To cover spending, they’ll […] ...
Posted: Nov 01 2018 @ 10:25 PM
An important key to accumulating wealth is learning to save money instead of spending it.   With that in mind, here’s a concept I’ve been mulling over for a while.   On a given weekend my family will spend money going to the movies or going out to lunch after kids’ sports.  We might stop […] ...
Posted: Oct 25 2018 @ 10:05 PM
When a kid gets their first job it can be the start of some really good financial habits or some very bad ones.  As a parent, it’s a great opportunity to begin laying a foundation those good habits.   If they don’t already have one it’s time to set up a bank account. Then have […] ...
Posted: May 04 2018 @ 3:11 PM
In today’s world, it’s not just adults that need to protect their identity, kids do also.   There is a lot of focus on the identity theft problem among adults right now and for good reason.  The news is full of stories about companies getting hacked or not properly protecting the information they have.   […] ...
Posted: Apr 27 2018 @ 4:07 PM
Everyone should have a basic understanding of how the stock market works.  It’s an important part of being financially literate.  A good way for both kids (and adults) to learn is by following the stocks of a few companies they know.   It’s easy, fun and it won’t cost anything!   There are quite a […] ...
Posted: Feb 22 2018 @ 9:15 PM
This topic was suggested to me by a friend.  Thank you!  It’s one that each parent has to wrestle with.   The question is:  How do we determine the appropriate balance between what we should buy for our kids and what they should have to save up for and buy themselves'   In today’s world, […] ...
Posted: Feb 13 2018 @ 9:45 PM
Learning about how a bank account works is one of the most fundamental financial lessons.  By about 8 years old, kids are old enough to understand the basic concepts involved.   What the kids see is adults going to an ATM and receiving money.  Too bad that’s not all there is to it, right'   They […] ...
Posted: Feb 06 2018 @ 12:00 PM
We’ve all made mistakes with money.  Why not use them to teach your kids lessons in financial literacy.   Tell them a STORY about a money mistake you made.  It doesn’t need to be a big thing. Just make sure it’s age appropriate.  Keep it simple and relatable.  Explain why it was bad idea and […] ...
Posted: Jan 26 2018 @ 1:16 AM
What should our pre-teens and early teens understand about what it takes to retire someday (or reach financial independence)'   Fancy spreadsheets and flowcharts showing future projections of yearly income, expenses and savings going 30 or 40+ years into the future will be LOST on my 10 and 13-year-olds.   So, what are the basic […] ...
Posted: Jan 09 2018 @ 9:26 PM
Do you want to start the new year off knowing that you spent wisely during the holidays'  Or are you going to be afraid to open your credit card bill come January' Here are some holiday spending tips:  Have a Budget! Make a list of the people you plan to give gifts to.  Decide ahead […] ...
Posted: Dec 07 2017 @ 12:09 AM


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