{"id":993,"date":"2023-11-02T17:09:13","date_gmt":"2023-11-02T17:09:13","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/klugeadvisorygroup\/?p=993"},"modified":"2023-11-08T17:09:25","modified_gmt":"2023-11-08T17:09:25","slug":"financial-literacy-and-children-keep-it-relatable-at-every-age","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/klugeadvisorygroup\/2023\/11\/02\/financial-literacy-and-children-keep-it-relatable-at-every-age\/","title":{"rendered":"Financial Literacy and Children: Keep it Relatable at Every Age"},"content":{"rendered":"<div class=\"elementor-element elementor-element-c581e5c elementor-widget elementor-widget-post-info\" data-id=\"c581e5c\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n<div class=\"elementor-widget-container\">\n<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n<li class=\"elementor-icon-list-item elementor-repeater-item-c02e8ee elementor-inline-item\"><span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">November 2, 2023<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<div class=\"elementor-element elementor-element-d25d368 elementor-widget elementor-widget-theme-post-content\" data-id=\"d25d368\" data-element_type=\"widget\" data-widget_type=\"theme-post-content.default\">\n<div class=\"elementor-widget-container\">\n<div class=\"elementor elementor-8709\" data-elementor-type=\"wp-post\" data-elementor-id=\"8709\" data-elementor-post-type=\"post\">\n<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5652ef76 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5652ef76\" data-element_type=\"section\">\n<div class=\"elementor-container elementor-column-gap-default\">\n<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-32f63a75\" data-id=\"32f63a75\" data-element_type=\"column\">\n<div class=\"elementor-widget-wrap elementor-element-populated\">\n<div class=\"elementor-element elementor-element-57d81a35 elementor-widget elementor-widget-text-editor\" data-id=\"57d81a35\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<p><a href=\"https:\/\/wellington-altus.ca\/wp-content\/uploads\/2023\/11\/AWPG-Financial-Literacy-and-Children-Keep-it-Relatable-at-Every-Age-6.pdf\">Download as PDF<\/a><\/p>\n<p>How can we raise financially confident children and grandchildren in an increasingly complex world filled with distractions? Many of our clients, for example, are concerned that the next generation won\u2019t possess the financial literacy needed to inherit family wealth.<\/p>\n<p>The good news is that while introducing healthy money habits to young children is ideal, it\u2019s never too early or too late to start. Here are five considerations to help make financial literacy relatable to children of any age.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2665ce2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2665ce2\" data-element_type=\"section\">\n<div class=\"elementor-container elementor-column-gap-default\">\n<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-05112b5\" data-id=\"05112b5\" data-element_type=\"column\">\n<div class=\"elementor-widget-wrap elementor-element-populated\">\n<div class=\"elementor-element elementor-element-37bf61e elementor-widget elementor-widget-text-editor\" data-id=\"37bf61e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<p><strong>\u00a0 \u00a0 1. Individualize the Experience<\/strong><\/p>\n<p>Connect and educate a child by considering their unique needs and personal journey. What worked for you, or their siblings may not be the best strategy for them.<\/p>\n<p>For example, consider:<\/p>\n<ul>\n<li><strong>Learning style and ability.<\/strong>\u00a0The financial concepts you can cover are often guided by whether your child is at an elementary, secondary, or post-secondary stage. However, beyond the practical considerations of age and education level, how does your child best learn? Are they more visual or auditory? Do they have special needs? What can you learn from other subjects where they have excelled or had difficulty?<\/li>\n<li><strong>Allowance or no allowance?\u00a0<\/strong>This common question begins at a young age and evolves over time. When to start? When to stop? How much to give? Should an allowance be aligned with chores, good grades, a money management tool, or none of the above? There is no right or wrong answer. Everyone\u2019s situation is unique. Decide what approach works best for your child and family.<\/li>\n<li><strong>The path to success is non-linear.<\/strong>\u00a0Remember that as your child ages, they\u2019ll continue to face life\u2019s twists and turns. To stay relevant, their financial literacy journey will need to adapt to new experiences and learning opportunities. Let them explore and learn from their failures and successes.<\/li>\n<\/ul>\n<p><strong>\u00a0 \u00a0 2. Encourage Their Voice<\/strong><\/p>\n<p>Empowering your child to be financially responsible and independent into adulthood isn\u2019t a one-way conversation. Create a safe, open space for regular, meaningful communication. Understanding their values and giving them ownership in their growth will not only lead to more successful learning opportunities and accountability for your child, but could also improve your relationship.<\/p>\n<p>Strategies include:<\/p>\n<ul>\n<li><strong>Jobs.<\/strong>\u00a0For some, earning money beyond family chores begins as a pre-teen. For others, this happens later as a summer internship or post- secondary graduate. Whatever the timeframe and type of job, are they choosing something they enjoy and relate to? Encourage them to explore all possibilities and implications rather than being quick to serve up an opportunity that you think is best. Ultimately, connecting to their \u201cwhy\u201d and taking ownership in decisions will help children better relate to the value of the money, especially when they begin to earn a salary.<\/li>\n<li><strong>Spending.<\/strong>\u00a0Whether it\u2019s money from an allowance, a birthday gift, or a job, instilling responsible spending habits in children can be difficult. A helpful approach is to frame spending decisions around needs and wants. Again, having them clearly articulate their whys and evaluate trade-offs in the decision-making process can help them make more thoughtful choices.<\/li>\n<li><strong>Saving and investing.<\/strong>\u00a0While the power of starting early and regularly investing is logical, children, like adults, are guided by emotion and can easily be overwhelmed when making financial decisions. So, rather than telling them what to do, present options and empower young people to research and ask themselves questions such as the\u00a0<strong>\u201chow\u201d<\/strong>\u00a0and the\u00a0<strong>\u201cwhat\u201d<\/strong>\u00a0with a personalized discussion around objectives, time horizon, and risk tolerance.<\/li>\n<li><strong>Gratitude and giving back.<\/strong>\u00a0Giving back to the community through volunteering or charitable giving is essential to many families. Whether encouraging children to donate their time, or old toys or engaging them in family charitable initiatives, can help them make values-based decisions that connect more meaningfully to the impact of giving back.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f51a1de elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f51a1de\" data-element_type=\"section\">\n<div class=\"elementor-container elementor-column-gap-default\">\n<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d5b0070\" data-id=\"d5b0070\" data-element_type=\"column\">\n<div class=\"elementor-widget-wrap elementor-element-populated\">\n<div class=\"elementor-element elementor-element-be6f513 elementor-widget elementor-widget-text-editor\" data-id=\"be6f513\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<p><strong>\u00a0 \u00a03. Connect the Future to Today<\/strong><\/p>\n<p>When setting and tracking goals, the challenge for many of us is that we live and feel in the moment. Moreover, children often don\u2019t have the experience of hindsight, so the benefits of saving today (for a faraway tomorrow) can be hard to relate to. So, how can you connect saving and investing to the now?<\/p>\n<p>As mentioned, it is vital to encourage children to make personally relevant, values-based decisions around how they earn, spend, save, invest, and share money. The same approach can be applied to financial goal setting. Whether the goals are short- or long-term, have your children anchor those goals within:<\/p>\n<ul>\n<li>Their values and what they\u2019re passionate about today.<\/li>\n<li>Clearly connecting the dots from today to tomorrow by ensuring their goals are\u00a0<strong>SMART<\/strong>\u00a0(<strong>S<\/strong>pecific,\u00a0<strong>M<\/strong>easurable,\u00a0<strong>A<\/strong>chievable,\u00a0<strong>R<\/strong>elevant, and\u00a0<strong>T<\/strong>ime-bound).<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"elementor-section elementor-top-section elementor-element elementor-element-553d574 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"553d574\" data-element_type=\"section\">\n<div class=\"elementor-container elementor-column-gap-default\">\n<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c742b55\" data-id=\"c742b55\" data-element_type=\"column\">\n<div class=\"elementor-widget-wrap elementor-element-populated\">\n<div class=\"elementor-element elementor-element-6f1915f elementor-widget elementor-widget-text-editor\" data-id=\"6f1915f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<p><strong>\u00a0 \u00a0 4. Have Fun<\/strong><\/p>\n<p>Make it fun for everyone to stay engaged and easily retain information. Encourage curiosity and creativity. Recognize teachable moments in the everyday to keep learning active and cumulative.<\/p>\n<p>For example, consider:<\/p>\n<ul>\n<li><strong>Games.<\/strong>\u00a0Board games that integrate money management, such as Monopoly, can be a great way to involve the entire family. Also, think digital \u2013many online resources leverage gamification for different age groups to make financial education more relatable and enjoyable. Young children love imaginary games \u2013 play pretend store!<\/li>\n<li><strong>Party planning and shopping.<\/strong>\u00a0Enable children to ideate, research, and plan a party and shopping list within a budget. This can help them make informed decisions while developing adaptability and accountability.<\/li>\n<li><strong>Entrepreneurship at any age.<\/strong>\u00a0Whether it\u2019s a lemonade stand, a bake sale, selling art, doing yard work in the neighbourhood, providing social media training to small business owners, or teaching younger kids to skate \u2013 encourage your children to explore how their talents and hobbies could translate into income, as well as planning for any related costs they\u2019ll incur.<\/li>\n<li><strong>Bank accounts and credit cards.<\/strong>\u00a0When your child is ready to transition from a piggy bank to the real world, make a trip to the bank a fun event. Encourage them to research their options in advance. Also, remember the small teachable moments when they\u2019re with you at an ATM, or you\u2019re using a credit card online \u2013 for example, educate your children early on how to protect themselves from fraud and identity theft.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"elementor-section elementor-top-section elementor-element elementor-element-559e376 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"559e376\" data-element_type=\"section\">\n<div class=\"elementor-container elementor-column-gap-default\">\n<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-197f6b4\" data-id=\"197f6b4\" data-element_type=\"column\">\n<div class=\"elementor-widget-wrap elementor-element-populated\">\n<div class=\"elementor-element elementor-element-533ce03 elementor-widget elementor-widget-text-editor\" data-id=\"533ce03\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<p><strong>\u00a0 \u00a0 5. Stay Consistent<\/strong><\/p>\n<p>In his book Atomic Habits, James Clear says:\u00a0<em>\u201cStart small and become the kind of person who shows up every day.\u201d<\/em><\/p>\n<p>When it comes to raising financially confident children, it\u2019s a lifelong journey and consistency matters for everyone. Ultimately, your children will become independent adults with greater personal financial accountability and experiences through life stages. For now, however, it\u2019s important to remember that as a parent, children relate to consistent leadership and coaching. Consistency inspires consistency. Whether your child is four or twenty-four, you are helping sow the seeds so they can cultivate healthy financial futures for themselves and generations to come.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8d91211 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8d91211\" data-element_type=\"section\">\n<div class=\"elementor-container elementor-column-gap-default\">\n<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6bda4ce\" data-id=\"6bda4ce\" data-element_type=\"column\">\n<div class=\"elementor-widget-wrap elementor-element-populated\">\n<div class=\"elementor-element elementor-element-ba38feb elementor-widget elementor-widget-text-editor\" data-id=\"ba38feb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n<div class=\"elementor-widget-container\">\n<p><strong>Final Thoughts<\/strong><\/p>\n<p>While we\u2019ve outlined several ways to engage and motivate children to be more financially responsible, this article is not exhaustive. Moreover, the conversation around financial health will continue to evolve in an increasingly complex and constantly changing world. Many excellent financial literacy programs in Canada provide ongoing education and comprehensive resources for all age groups and life stages. For example, we recommend CPA Canada\u2019s\u00a0<a href=\"https:\/\/www.cpacanada.ca\/en\/public-interest\/financial-literacy\/financial-literacy-resources\/financial-literacy-resources-and-publications\/parents-guide-to-raising-money-smart-kids\">A Parent\u2019s Guide to Raising Money Smart Kids<\/a>.<\/p>\n<p>Lastly, it\u2019s important to remember that every family\u2019s situation, goals, and needs are different and dynamic. Raising financially confident children is just one aspect of building a holistic plan to help grow and sustain your wealth across generations. For more expert advice on this topic, contact a\u00a0Wellington-Altus advisor today.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>November 2, 2023 Download as PDF How can we raise financially confident children and grandchildren in an increasingly complex world filled with distractions? Many of our clients, for example, are concerned that the next generation won\u2019t possess the financial literacy needed to inherit family wealth. The good news is that while introducing healthy money habits [&hellip;]<\/p>\n","protected":false},"author":144,"featured_media":405,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","footnotes":""},"categories":[13],"tags":[],"class_list":["post-993","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-planning"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial Literacy and Children: Keep it Relatable at Every Age - Kluge Wealth Advisory Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisor.wellington-altus.ca\/klugeadvisorygroup\/2023\/11\/02\/financial-literacy-and-children-keep-it-relatable-at-every-age\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial Literacy and Children: Keep it Relatable at Every Age - Kluge Wealth Advisory Group\" \/>\n<meta property=\"og:description\" content=\"November 2, 2023 Download as PDF How can we raise financially confident children and grandchildren in an increasingly complex world filled with distractions? 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