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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

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
Not sure where to start' Feel like it’s overwhelming' Do you think: “Hey, I’m no financial expert.  How do I begin to teach my kids to be money-savvy when I’m not myself'” The good news is… The first step is actually EASY.  To start with they just need to learn the very basics. Talk to […] ...
Posted: Dec 05 2017 @ 8:03 PM
Here are the seven biggest mistakes parents make that teach kids poor money habits:   Mistake #1:  Buying your kids everything they want. Your heart is in the right place.  You want to make them happy but this is the wrong way to go about it.   If you buy them everything they want, first of all, […] ...
Posted: Dec 01 2017 @ 7:24 AM
Starting a small business is a fantastic learning experience for child.  They get to experiment with planning, production, advertising, sales and customer service in their simplest form.  The self-confidence they will develop and the lessons they’ll learn can shape the person they will become. My 12-year old daughter came up with the idea to make […] ...
Posted: Nov 21 2017 @ 2:32 AM
The holiday season is about being thankful for what you have and helping others.  It’s easy to lose sight of this.  As the holidays approach, kids are mostly thinking about all the gifts they want. So how do you help your child develop a sense of giving without expectation of return' Here are 10 things […] ...
Posted: Nov 18 2017 @ 5:43 AM


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