Secrets of Raising Money-Smart Children
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Hello. I am Joanne Seymour Kuster, author, financial educator, entrepreneur and mother of three. I also blog as "The Money Godmother." My specialty is financial education for families.

Credit and savings statistics confirm that today's young adults often leave home unprepared to manage their money. But there is a lot of disagreement as to "why" and more importantly "what" can be done to improve their odds of financial success.

Parents Provide Their Kids An Advantage

Financial education has been my business focus for the past two decades. During this time, I have compared thoughts with hundreds of parents plus teachers and home schooling groups. Along the way, I identified four common traits among money-smart youth. Those four insights are the foundation for my
"Save Yourself" Financial Education Platform. This is a step-by-step, age-friendly plan for exposing your kids to various money management topics.

The fact you're on this website shows you are a concerned parent, grandparent or mentor. If you are
looking for practical help to start teaching your children positive money skills and behaviors, I urge you to read more here and subscribe to my blog.

  • Check out my educational books and games.
  • I also speak on financial education topics.

To learn about my philosophy and approach, go to our
"Save Yourself" section.

DASH for the STASH Information Here!
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You can find the DASH for the STASH program information here. Click here or on the logo at the left to go to the information page where you can watch the “how-to” video and download resources.

NEW! The Wants & Needs Game
How does a parent say "No" to a request for money when the child doesn't understand the basic difference between a want and a need? I developed this card game to start the dialogue between parents and kids on this important topic. My publisher test-marketed this game with tremendous positive feedback (and sales) so we reprinted.

Parents, teachers and home-schooling parents all told us the
Wants and Needs Game encouraged some great learning moments and started many discussions about money. Contact us for bulk pricing.
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This easy-to-learn game helps teach players the difference between wants and needs. It includes three game variations. Suitable for children 8+ years. Good for the kitchen table and classroom settings.

$11.95 plus shipping

Go to the
products page to learn more.

The Four Essential Steps to Financial Education At Home
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So, you're ready to put a financial education plan in place for your children and want to know, "What's next?"

We recommend a four-step approach, based on what has worked for other parents.

None of the four roles are difficult, but it does require a commitment of time and materials. Go to the
Save Yourself button to learn more.

Parents Play the Key Role in Financial Education
The "missing link" in financial education is a parent or another adult (we call them Money Mentors) who can provide the encouragement and discipline to attain important learning and behavior goals. Examples? Encouraging kids to save money, learn the differences between wants and needs, having the courage to repel peer pressure, among others. Many of these topics can be folded into day-to-day activities, once you know how to recognize those opportunities. (we call those Money Moments.)

If you're interested in learning more, I encourage you to subscribe to my blog. Recent posts can be seen below.
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All good parents are already busy and don't need another topic on their to-do lists.

But for financial education to work, the knowledge, skills and behaviors all need to be taught and affirmed - often.

Ironically, we parents will often invest time and money into music, athletics and other activities to provide our children skills and developmental advantages. Yet, we often ignore the more important life skill - preparing them to become money-smart adults.

A parent or someone such as a grandparent or interested uncle must mentor the child, providing information, encouragement and, when needed, discipline.

Joanne Seymour Kuster, an expert in financial education, focuses on strategies for families.
Telephone: 515-270-5315
Joanne consults with schools, home school groups and businesses the topics of financial education. She is also an author of several educational books, speaks frequently, and develops content for magazines and blogs. Her publishing company is DynaMinds Publishing.