Your Money Personality is Healthy

You have a good relationship with money. You don’t spend wildly, but you’re not opposed to treating yourself on occasion. In general, you save some of what you earn. You know the importance of a nest egg. You aren’t afraid of being financially literate – you embrace learning more about finances. From a retirement plan to having an emergency fund, you know what you need to have to be safe.

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I find this encouraging, if not entirely accurate. We do carry consumer debt–more than I’d care to admit. Our savings for retirement are healthy, but I wish we had more cash in savings. We do set aside 5% in cash every month, but unfortunately right now that’s going to pay for the brand spanking new air conditioner we had to get. (I’m very thankful for that brand new air conditioner this miserably hot summer.)

Right now I’m reading up on kids and money, hoping we can come up with a good plan on teaching our kids financial wisdom. They are supposed to get an allowance, but frankly, I rarely remember. That’s my own fault. As for the teaching side, most of the material out there tend to be for older kids. My brother and sister-in-law have a good system with their older kids where their allowance has to be budgeted to pay for clothing, toiletries, etc. I really ought to ask what they do with their youngest daughter. She’s right between Little Miss and the Sprite, so I’m sure they have some great wisdom I can mooch. I’m still teaching the boys not to throw toys, so I think we can hold off on the money talk for a while.

I’d like to find something that is family-centric and that models budgeting, saving and giving. I also want something that fits into our lives and doesn’t require us to make major changes to implement it. I also don’t want a program that is focused on teaching children that financial prosperity is the path to a wonderful life. I want them to be wise, avoid debt, give generously, etc. But I don’t want them to think that accumulating wealth is the end-all-be-all of life. In short, I want a fairy to come and sprinkle stewardship dust on our kids and presto: financial wisdom. Does anyone know where that fairy resides? I’d like her to sprinkle some of that dust on me, too.