CONTENTS

Introduction

Part 1: Planting Financial Roots
Tools for grounding kids with financial savvy,
constructive financial habits, and positive financial values

Chapter 1: Making the Most of Allowance, Gifts, and Work
On the Dole • Who’s Gift Is It Anyway? • Making Allowances • Loans and Advances
• Work for Pay

Chapter 2: Saving and Investing for Tots to Teens
Savings Incentives • Investing

Chapter 3: Teaching Accountability for Cash and Credit
Where Does the Money Go? • Keeping Track • Budgeting • Giving Kids Credit • Taxes

Chapter 4: Guiding Little Big Spenders
Setting Limits Kids' Spending • The Battle for Your Kids' Brains and Bucks • Helping Kids Save Up for Their First Major Capital Expenditures • When to Say No Handling Financially Tough Times • Handling Wealth • Charitable Giving • Gambling, Betting, Lottery Tickets, and Other Bad Habits • Shoplifting • When to Bail Kids Out • Protecting the Kids


Part 2: Sprouting Financial Wings
How to launch your kids into the world and equip them
to live financially independent and productive lives.

Chapter 5: Getting Your Child To and Through College
Saving Without Losing Your Sanity • Financial Aid • Repaying Loans • Shopping for the Right College • Living Away From Home

Chapter 6: Helping Your Child Nab the Right First Job
Understanding Your Role • Ready: Identifying Career Goals • Aim: Understanding the Job Market • Fire: Getting the Right Job • Evaluating Job Offers

Chapter 7: Answering Sensitive, Nosy, Touchy Questions
About: How Much You Make • Which Parent Earns More • Losing Your Job • Paying Income Taxes • Charitable Giving • Inheritance • Surviving Divorce • Blended Families • Using ATM Cards • Giving Friends Money • Allowance and Chores • Wanting What Other Families Have

Appendix
On-line Resources for Becoming a Financially Savvy Family


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© Jayne Pearl & www.kidsandmoney.com