Children

All of us would like to have a feeling of security and control over our finances. So, what’s keeping us from getting there? The idea that you have to make a lot to save a lot is a myth. Whether you make $15,000 or $1.5 million, you can save and invest for your future. Just as with any great journey, sometimes the only thing holding you back is getting started. And my guess is you're already investing more than you think!

It’s amazing how perceptive children are: they can tell when money gets tight, and they know when you have a spare $20 in your purse. With their perception and spongy minds, children as young as four can begin to learn concepts of saving. Of course, children of different ages learn about money differently, so let’s break down savings concepts by age groups.

I have a very vivid memory of my twin girls' last birthday party.  You gotta picture it: our modest ranch home packed with close friends and family, balloons galore, pizza, wings, a Caillou cake (which is a story in and of itself!), and about a gazillion presents.  When it came time to open all of those glorious, glittery, girly packages, my gals could hardly contain their joy.  Gleefully, they tore into the presents, tissue and ribbons flying.