Phone 336-586-0012

As a CERTIFIED FINANCIAL PLANNER™ and a father of four adult children, I have had many conversations about money with my wife and my children.  It is important to broach financial conversations with your children knowing you don’t have to be a financial professional to teach them helpful lessons for the future.


Here are 3 key principles, direct from God’s word to our ears, to help your kids know how to build a solid financial future:

1. Spend Less Than You Earn (Prov. 10:4)

It is impossible for anyone, child or adult, to accomplish their financial goals without this discipline.

2. Set Long Term Goals (Luke 14:28)

This key principle pairs very well with ‘Spend Less Than You Earn’. The only reason one would want to do the first is to accomplish the second!  Whether your child is given an allowance or earns money from a job outside of the home, discuss how he or she can create a budget with the money.  Budgeting helps children learn the value of money and gain a clearer picture of the time and effort involved in obtaining something of value or making a major purchase in the future.

3. Avoid the Use of Debt (Prov. 22:7)

Please, DO NOT give your child a credit card! Deferred gratification is a learned habit.  We naturally, ‘Want what we want when we want it!’ and so does a teenager!  Financial maturity will not come with early or easy access to a credit card.


As a side note, our kids KNOW that we aren’t perfect!  At an age appropriate time it is important that we share regrets we may have about past financial mistakes in order to potentially help our children keep from going down that same path.  Of course, some will refuse to listen and will enroll in the ‘school of hard knocks’.   With April being Financial Literacy Month, there is no better time to learn about the importance of teaching children about financial matters and helping them form good habits.


Take advantage of Financial Literacy Month this April and make a plan to start having regular discussions about money with your children. Teaching them while they’re young can help them build a strong and positive relationship with money. This will help instill in them the value of earning money, budgeting, saving, and setting up a secure future.


If you would like more personalized Biblically based financial guidance as you educate your kids about money, please contact us for a complimentary consultation.

Any opinions are those of Jeff Blaser and not necessarily those of RJFS or Raymond James, and are subject to change without notice. Information contained herein was received from sources believed to be reliable, but accuracy is not guaranteed. Information provided is general in nature, and is not a complete statement of all information necessary for making an investment decision, and is not a recommendation or a solicitation to buy or sell any security. Investing always involves risk and you may incur a profit or loss. No investment strategy can guarantee success.

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