Invest In Your Child Quotes

Love the quick profit, the annual raise, vacation with pay. Want more of everything ready-made. Be afraid to know your neighbors and to die. And you will have a window in your head. Not even your future will be a mystery any more. Your mind will be punched in a card and shut away in a little drawer. When they want you to buy something they will call you. When they want you to die for profit they will let you know. So, friends, every day do something that won’t compute. Love the Lord. Love the world. Work for nothing. Take all that you have and be poor. Love someone who does not deserve it. Denounce the government and embrace the flag. Hope to live in that free republic for which it stands. Give your approval to all you cannot understand. Praise ignorance, for what man has not encountered he has not destroyed. Ask the questions that have no answers. Invest in the millenium. Plant sequoias. Say that your main crop is the forest that you did not plant, that you will not live to harvest. Say that the leaves are harvested when they have rotted into the mold. Call that profit. Prophesy such returns. Put your faith in the two inches of humus that will build under the trees every thousand years. Listen to carrion — put your ear close, and hear the faint chattering of the songs that are to come. Expect the end of the world. Laugh. Laughter is immeasurable. Be joyful though you have considered all the facts. So long as women do not go cheap for power, please women more than men. Ask yourself: Will this satisfy a woman satisfied to bear a child? Will this disturb the sleep of a woman near to giving birth? Go with your love to the fields. Lie down in the shade. Rest your head in her lap. Swear allegiance to what is nighest your thoughts. As soon as the generals and the politicos can predict the motions of your mind, lose it. Leave it as a sign to mark the false trail, the way you didn’t go. Be like the fox who makes more tracks than necessary, some in the wrong direction. Practice resurrection.

That’s the paradox: the only time most people feel alive is when they’re suffering, when something overwhelms their ordinary, careful armour, and the naked child is flung out onto the world. That’s why the things that are worst to undergo are best to remember. But when that child gets buried away under their adaptive and protective shells—he becomes one of the walking dead, a monster. So when you realise you’ve gone a few weeks and haven’t felt that awful struggle of your childish self — struggling to lift itself out of its inadequacy and incompetence — you’ll know you’ve gone some weeks without meeting new challenge, and without growing, and that you’ve gone some weeks towards losing touch with yourself. The only calibration that counts is how much heart people invest, how much they ignore their fears of being hurt or caught out or humiliated. And the only thing people regret is that they didn’t live boldly enough, that they didn’t invest enough heart, didn’t love enough. Nothing else really counts at all.

As important as your obligations as a doctor, lawyer or business leader will be, you are a human being first. And these human connections with spouse, with children and with friends are the most important investments you will ever make. At the end of your life, you will never regret not having passed one more test, not winning one more verdict, or closing one more deal. You will regret time not spent with a husband, a friend, a child or a parent. One thing will never change. Fathers and Mothers, if you have children, they must come first. You must read to your children, you must hug your children and you must love your children…. Your success as a family, our success as a society depends not what happens at the White House, but what happens inside YOUR house.

Even a moment's reflection will help you see that the problem of using your time well is not a problem of the mind but of the heart. It will only yield to a change in the very way we feel about time. The value of time must change for us. And then the way we think about it will change, naturally and wisely. That change in feeling and in thinking is combined in the words of a prophet of God in this dispensation. It was Brigham Young, and the year was 1877, and he was speaking at April general conference. He wasn't talking about time or schedules or frustrations with too many demands upon us. Rather, he was trying to teach the members of the Church how to unite themselves in what was called the united order. The Saints were grappling with the question of how property should be distributed if they were to live the celestial law. In his usual direct style, he taught the people that they were having trouble finding solutions because they misunderstood the problem. Particularly, he told them they didn't understand either property or the distribution of wealth. Here is what he said: With regard to our property, as I have told you many times, the property which we inherit from our Heavenly Father is our time, and the power to choose in the disposition of the same. This is the real capital that is bequeathed unto us by our Heavenly Father; all the rest is what he may be pleased to add unto us. To direct, to counsel and to advise in the disposition of our time, pertains to our calling as God's servants, according to the wisdom which he has given and will continue to give unto us as we seek it. [JD 18:354] Time is the property we inherit from God, along with the power to choose what we will do with it. President Young calls the gift of life, which is time and the power to dispose of it, so great an inheritance that we should feel it is our capital. The early Yankee families in America taught their children and grandchildren some rules about an inheritance. They were always to invest the capital they inherited and live only on part of the earnings. One rule was "Never spend your capital." And those families had confidence the rule would be followed because of an attitude of responsibility toward those who would follow in later generations. It didn't always work, but the hope was that inherited wealth would be felt a trust so important that no descendent would put pleasure ahead of obligation to those who would follow. Now, I can see and hear Brigham Young, who was as flinty a New Englander as the Adams or the Cabots ever hoped to be, as if he were leaning over this pulpit tonight. He would say something like this, with a directness and power I wish I could approach: "Your inheritance is time. It is capital far more precious than any lands or stocks or houses you will ever get. Spend it foolishly, and you will bankrupt yourself and cheapen the inheritance of those that follow you. Invest it wisely, and you will bless generations to come. “A Child of Promise”, BYU Speeches, 4 May 1986

If all you have is a dollar, invest it with the same care you would invest $100.00 dollars with, and with repetition your holdings will soon grow to $100.00 dollars. Then invest that$100.00 dollars with the same care you would invest $1,000.00 dollars with. Then invest the $1,000.00 dollars with the same care you would invest $1,000,000.00 dollars with. Money must be cared for from it's smallest unit, as a child must be cared for from conception.

Parents, don’t invest in your child's teaching; invest in your child's learning.

My father who got cages instead of compassion. My father whose whole story no one of us will ever know. What did it do to him, all those years locked away, all that time in chains, all those days upon days without human touch except touch meant to harm - hand behind your back, N****r. Get on the fucking wall, N****r! Lift your sac, N****r. Don't look at me like that or I will f*****g kill your Black ass. It would be easy to speculate about the impact of years of cocaine use on my father's heart, but I suspect that it will tell us less than if we could measure the cumulative effects of hatred, racism and indignity. What is the impact of years of strip searches, of being bent over, the years before that when you were a child and knew that no dream you had for yourself was taken seriously by anyone, that you were not someone who would be fully invested in by a nation that treated you as expendable?

Invest your money and time acquiring knowledge for yourself... and the good news is that as you do so, you keep your children and grandchildren and unborn generations enlightened by what you have already learnt!

Think long and hard about the way you invest your children's time. Time is treasure. And where your time investment is, there you will find the heart of a child. Invest the majority of his time in entertainment, and his heart will be turned to love of pleasure. Invest his time in peers rather then family, and his heart will be with the peers more than his family. There is a time and place for all good things in balance, but wise parents will steward the treasure of time, and in so doing, shepherd their children's hearts.

The goal is not to simply make more money. The goal is to make your money do more.

Those who advise you against taking risks are limiting your pathways to opportunity and wealth.

Take your time investing so much emotion into other people's behavior. Many philosophies instruct us never to become invested in the behavior of others.

Since dad is most at risk of being both bad-mouthed and less involved, lets look at three reasons bad-mouthing sin is in conflict with your child's best interest: 1. Your children grow up feeling, "I hate who I am." 2. Your children fear that "loving dad is betraying mom." 3. Bad-mouthing undermines dad's motivation to invest money and time in the bank of love and to become responible in response to the hope for love.

Make a list of some things your children like you to do with them but aren’t necessarily fun for you—playing a board game on the floor with a young child, going outside to throw a ball, sitting down with a child to read his or her creative story or to look at an artistic creation, and so on. Commit to saying yes to their requests instead of no, knowing that if you invest in what is important to them, they will be open to believing in what is important to you.

When you hold the hand of a child, invest one hundred percent of yourself in the act of holding her hand. When you hug your partner, do the same. Forget everything else. Be totally present, totally alive in the act of hugging. This is the opposite of the way we’ve been trained to lead our lives and run our businesses. We’ve been taught to do many things at once. We answer an e-mail while we talk on the phone; while in a meeting for one project, we work on our notes for another project. Every new technology promises to help us do more things at once. Now we can send e-mail while listening to music, talking on the phone, and taking a picture, all with the same device. With your energy that dispersed, where is your power?

External motivators for behavior such as rewards and punishments may destroy the precious internal motivation to be good, making leverage by such artificial means necessary by default. As an investment in easy parenting, trusting in a child's desire to be good for us is one of the best.

God to Hungry Child Hungry child, I didn't make this world for you. You didn't buy any stock in my railroad, You didn't invest in my corporation. Where are your shares in standard oil? I made the world for the rich And the will-be-rich And the have-always-been-rich. Not for you, Hungry child.

I have nothing to do with the poet: perjure your verse, it is gifted with only a feeble outer power. You preferred to feed the remainder of intrigues entrusted to the individual. Why should I make it clear for you, child, you know it just as I do, retaining no notion of it except by some quality or lack which is childhood’s alone; this point, that everything, whether vehicle or investment, now offered to the ideal, is contrary to it—almost a speculation on your modesty, for your silence—or it is defective, not direct and legitimate in the sense that impulse required just now, and it is tainted.

Being a parent of a teen can cure a person of narcissism. When your child was born, you were the center of her world. You were special to her. Now that she is an adolescent, you have become less central. No matter what you do, she continues to invest in the outside world more than she does in the home.

There's one big difference between the poor and the rich,' Kite says, taking a drag from his cigarette. We are in a pub, at lunch-time. John Kite is always, unless stated otherwise, smoking a fag, in a pub, at lunch-time. 'The rich aren't evil, as so many of my brothers would tell you. I've known rich people -- I have played on their yachts -- and they are not unkind, or malign, and they do not hate the poor, as many would tell you. And they are not stupid -- or at least, not any more than the poor are. Much as I find amusing the idea of a ruling class of honking toffs, unable to put their socks on without Nanny helping them, it is not true. They build banks, and broker deals, and formulate policy, all with perfect competency. 'No -- the big difference between the rich and the poor is that the rich are blithe. They believe nothing can ever really be so bad, They are born with the lovely, velvety coating of blitheness -- like lanugo, on a baby -- and it is never rubbed off by a bill that can't be paid; a child that can't be educated; a home that must be left for a hostel, when the rent becomes too much. 'Their lives are the same for generations. There is no social upheaval that will really affect them. If you're comfortably middle-class, what's the worst a government policy could do? Ever? Tax you at 90 per cent and leave your bins, unemptied, on the pavement. But you and everyone you know will continue to drink wine -- but maybe cheaper -- go on holiday -- but somewhere nearer -- and pay off your mortgage -- although maybe later. 'Consider, now, then, the poor. What's the worst a government policy can do to them? It can cancel their operation, with no recourse to private care. It can run down their school -- with no escape route to a prep. It can have you out of your house and into a B&B by the end of the year. When the middle-classes get passionate about politics, they're arguing about their treats -- their tax breaks and their investments. When the poor get passionate about politics, they're fighting for their lives. 'Politics will always mean more to the poor. Always. That's why we strike and march, and despair when our young say they won't vote. That's why the poor are seen as more vital, and animalistic. No classical music for us -- no walking around National Trust properties, or buying reclaimed flooring. We don't have nostalgia. We don't do yesterday. We can't bear it. We don't want to be reminded of our past, because it was awful; dying in mines, and slums, without literacy, or the vote. Without dignity. It was all so desperate, then. That's why the present and the future is for the poor -- that's the place in time for us: surviving now, hoping for better, later. We live now -- for our instant, hot, fast treats, to prep us up: sugar, a cigarette, a new fast song on the radio. 'You must never, never forget, when you talk to someone poor, that it takes ten times the effort to get anywhere from a bad postcode, It's a miracle when someone from a bad postcode gets anywhere, son. A miracle they do anything at all.

People say don't fall in love with your domain, but this is a completely wrong story, how can you buy something without falling in love, especially the domain, listen to me carefully. Your domain is your child and they are girl child, so fall in love with your domain, and once the time comes, don't be sad to give it to the right person

After all, we invest a lot in our children, and it can be terrifying to realize how little control we really have. But our years of experience have taught us that trying to force kids to do things you think are in their own best interest will compromise your relationship and waste energy that could be spent building them up in other ways.

Consider again the mated pair with which we began the chapter. Both partners, as selfish machines, ‘want’ sons and daughters in equal numbers. To this extent they agree. Where they disagree is in who is going to bear the brunt of the cost of rearing each one of those children. Each individual wants as many surviving children as possible. The less he or she is obliged to invest in any one of those children, the more children he or she can have. The obvious way to achieve this desirable state of affairs is to induce your sexual partner to invest more than his or her fair share of resources in each child, leaving you free to have other children with other partners. This would be a desirable strategy for either sex, but it is more difficult for the female to achieve. Since she starts by investing more than the male, in the form of her large, food-rich egg, a mother is already at the moment of conception ‘committed’ to each child more deeply than the father is. She stands to lose more if the child dies than the father does. More to the point, she would have to invest more than the father in the future in order to bring a new substitute child up to the same level of development. If she tried the tactic of leaving the father holding the baby, while she went off with another male, the father might, at relatively small cost to himself, retaliate by abandoning the baby too. Therefore, at least in the early stages of child development, if any abandoning is going to be done, it is likely to be the father who abandons the mother rather than the other way around. Similarly, females can be expected to invest more in children than males, not only at the outset, but throughout development. So, in mammals for example, it is the female who incubates the foetus in her own body, the female who makes the milk to suckle it when it is born, the female who bears the brunt of the load of bringing it up and protecting it. The female sex is exploited, and the fundamental evolutionary basis for the exploitation is the fact that eggs are larger than sperms.

Think of all the love poured into him. Think of the tuitions for Montessori and music lessons. Think of the gasoline expended, the treads worn carting him to football games, basketball tournaments, and Little League. Think of the time spent regulating sleepovers. Think of the surprise birthday parties, the daycare, and the reference checks on babysitters. Think of World Book and Childcraft. Think of checks written for family photos. Think of credit cards charged for vacations. Think of soccer balls, science kits, chemistry sets, racetracks, and model trains. Think of all the embraces, all the private jokes, customs, greetings, names, dreams, all the shared knowledge and capacity of a black family injected into that vessel of flesh and bone. And think of how that vessel was taken, shattered on the concrete, and all its holy contents, all that had gone into him, sent flowing back to the earth. Think of your mother, who had no father. And your grandmother, who was abandoned by her father. And your grandfather, who was left behind by his father. And think of how Prince's daughter was now drafted into those solemn ranks and deprived of her birthright — that vessel which was her father, which brimmed with twenty-five years of love and was the investment of her grandparents and was to be her legacy.

The hell of it is that my son, my only child, has to turn out to be,” he added with a return of his old spirit, black eyes flashing, “the one man in Washington, D.C. who hates my guts!” “You weren’t too fond of him, either, if you recall,” she pointed out. He glared at her. “He’s hot-tempered and arrogant and stubborn!” “Look who he gets it from,” she said with a grin. He unlinked his hands as he considered that. “Those can be desirable traits,” he agreed with a faint smile. “Anyway, it’s nice to know I won’t die childless,” he said after a minute. He lifted his eyes to her face. “Leta can’t know any of this. When and if the time comes, I’ll tell her.” “Who’s going to tell him?” she ventured. “You?” he suggested. “In your dreams,” she said with a sweet smile. He stuffed his hands back into his pockets. “We’ll cross that bridge when the river comes over it. You’ll be careful, do you hear me? I’ve invested a lot of time and energy into hijacking you for my museum. Don’t take the slightest risk. If you think you’ve been discovered, get out and take Leta with you.” “She’s afraid to fly,” she pointed out. “She won’t get in an airplane unless it’s an emergency.” “Then I’ll come out and stuff her into a car and drive her to the airport and put her on a plane,” he said firmly. She pursed her lips. He was very like Tate. “I guess you would, at that.

The Things Mommy Taught Oh, my child! You are beautiful, without a doubt Love the person you are Look in the mirror with a smile Seek after things that matter Allow nothing to ruin your good heart Shun anything wicked for you to hear Listen, so you too can be heard Choose to be of good influence Invest in a better tomorrow Become no one’s shadow Learn not to be shallow Lead so others can follow Let go of what brings you sorrow Know where to find joy Even when I am gone Remain strong In the storm, do not get lost Fix your eyes upon the Lord Fill your mind with the Word of God For in it are infinite wells of wisdom Hold on to His promises Pursue your purpose Say a prayer Make sure you prosper Each day on this Earth Remember the things Mommy taught

The parents of high-reactive children are exceedingly lucky, Belsky told me. “The time and effort they invest will actually make a difference. Instead of seeing these kids as vulnerable to adversity, parents should see them as malleable—for worse, but also for better.” He describes eloquently a high-reactive child’s ideal parent: someone who “can read your cues and respect your individuality; is warm and firm in placing demands on you without being harsh or hostile; promotes curiosity, academic achievement, delayed gratification, and self-control; and is not harsh, neglectful, or inconsistent.” This advice is terrific for all parents, of course, but it’s crucial for raising a high-reactive child. (If you think your child might be high-reactive, you’re probably already asking yourself what else you can do to cultivate your son or daughter. Chapter 11 has some answers.)

Spearing a quail egg with her fork, Evie popped it into her mouth. “What is to be done about Mr. Egan?” His shoulders lifted in a graceful shrug. “As soon as he is sober enough to walk, he’ll be dismissed.” Evie brushed away a stray lock of hair that had fallen over her cheek. “There is no one to replace him.” “Yes, there is. Until a suitable manager can be found, I’ll run the club.” The quail egg seemed to stick in her throat, and Evie choked a little. Hastily she reached for her wine, washed it down, and regarded him with bulging eyes. How could he say something so preposterous? “You can’t.” “I can hardly do worse than Egan. He hasn’t managed a damned thing in months… before long, this place will be falling down around our ears.” “You said you hated work!” “So I did. But I feel that I should try it at least once, just to be certain.” She began to stammer in her anxiety. “You’ll pl-play at this for a few days, and then you’ll tire of it.” “I can’t afford to tire of it, my love. Although the club is still profitable, its value is in decline. Your father has a load of outstanding debt that must be settled. If the people who owe him can’t muster the cash, we’ll have to take property, jewelry, artwork… whatever they can manage. Having a good idea of the value of things, I can negotiate some acceptable settlements. And there are other problems I haven’t yet mentioned… Jenner has a string of failing Thoroughbreds that have lost a fortune at Newmarket. And he’s made some insane investments— ten thousand pounds he put into an alleged gold mine in Flintshire— a swindle that even a child should have seen through.” “Oh God,” Evie murmured, rubbing her forehead. “He’s been ill— people have taken advantage—” “Yes. And now, even if we wanted to sell the club, we couldn’t without first putting it in order. If there were an alternative, believe me, I would find it. But this place is a sieve, with no one who is capable or willing to stop the holes. Except for me.” “You know nothing about filling holes!” she cried, appalled by his arrogance. Sebastian responded with a bland smile and the slightest arch of one brow. Before he could open his mouth to reply, she clapped her hands over her ears. "Oh, don't say it, don't!" When she saw that he was obligingly holding his silence-though a devilish gleam remained in his eyes-she lowered her hands cautiously.

To maintain the P/PC Balance, the balance between the golden egg (production) and the health and welfare of the goose (production capability) is often a difficult judgment call. But I suggest it is the very essence of effectiveness. It balances short term with long term. It balances going for the grade and paying the price to get an education. It balances the desire to have a room clean and the building of a relationship in which the child is internally committed to do it—cheerfully, willingly, without external supervision. It’s a principle you can see validated in your own life when you burn the candle at both ends to get more golden eggs and wind up sick or exhausted, unable to produce any at all; or when you get a good night’s sleep and wake up ready to produce throughout the day. You can see it when you press to get your own way with someone and somehow feel an emptiness in the relationship; or when you really take time to invest in a relationship and you find the desire and ability to work together, to communicate, takes a quantum leap. The P/PC Balance is the very essence of effectiveness. It’s validated in every arena of life. We can work with it or against it, but it’s there.

suggest funding college, or at least the first step of college, with an Educational Savings Account (ESA), funded in a growth-stock mutual fund. The Educational Savings Account, nicknamed the Education IRA, grows tax-free when used for higher education. If you invest $2,000 a year from birth to age eighteen in prepaid tuition, that would purchase about $72,000 in tuition, but through an ESA in mutual funds averaging 12 percent, you would have $126,000 tax-free. The ESA currently allows you to invest $2,000 per year, per child, if your household income is under $220,000 per year. If you start investing early, your child can go to virtually any college if you save $166.67 per month ($2,000/year). For most of you, Baby Step Five is handled if you start an ESA fully funded and your child is under eight. If your children are older, or you have aspirations of expensive schools, graduate school, or PhD programs that you pay for, you will have to save more than the ESA will allow. I would still start with the ESA if the income limits don’t keep you out. Start with the ESA because you can invest it anywhere, in any fund or any mix of funds, and change it at will. It is the most flexible, and you have the most control.

Ten New Rules for Parent–Adult Child Relations RULE #1: Your adult child has more power than you to set the terms of your relationship because they’re more willing to walk away. Basic game theory: she who cares less has more power. RULE # 2: Your relationship with your adult child needs to occur in an environment of creating happiness and personal growth, not an environment of obligation, emotional debt, or duty. RULE # 3: You are not the only authority on how well you performed as a parent. Your adult child gets to have their own narrative and opinions about the past. RULE #4: Use of guilt trips or criticism will never get you what you want from your adult child, especially if you’re estranged. RULE #5: Learning to communicate in a way that is egalitarian, psychological, and self-aware is essential to a good relationship with your adult child. RULE #6: You were the parent when you were raising your child and you’re the parent until they die. You brought your child into this world. That means that if your child is unable to take the high road, you still have to if reconciliation is your goal. RULE #7: A large financial and emotional investment in your child does not entitle you to more contact or affection than that which is wanted by them, however unjust that may seem. RULE #8: Criticizing your child’s spouse, romantic partner, or therapist greatly increases your risk of estrangement. RULE #9: Criticizing your child’s sexuality or gender identity greatly increases your risk of estrangement. RULE #10: Just because you had a bad childhood and did a better job than your parents doesn’t mean that your adult child has to accept all of the ways that they felt hurt by you.

We don't die willingly. The more invested we are in the worlds projected by patterns, the stronger the denial, anger, and bargaining, and the despair of depression. Insight practice is inherently frustrating because you are looking to see where, at first, you are unable to see--beyond the world of the patterns. Another way to look at insight practice is to see that the process has three stages: shock, disorganization, and reorganization. The first stage starts when you see beyond illusion. You experience a shock. You react by denying that you saw what you saw, saying, in effect, "That makes no sense. I'll just forget about that." Unfortunately, or fortunately, your experience of seeing is not so easily denied. It is too vivid, too real, to ignore. Now you become angry because the illusion in which you have lived has been shattered. You know you can't go back, but you don't want to go forward. You are still attached to the world of patterns. You feel anxious, and the anxiety gradually matures into grief. You now know that you have to go forward. You experience the pain of separating from what you understood, just as the lama in the example experienced pain at the loss of his worldview. You then enter a period of disorganization. You withdraw, become apathetic, lose your energy for life, become restless, and routinely reject new possibilities or directions. You surrender to the changes taking place but do nothing to move forward. A major risk at this stage is that you remain in a state of disorganization. You hold on to an aspect of the old world. parents who have lost a child in an accident or to violence, for example, have great difficulty in letting go. They may keep the child's bedroom just as it was. Their views and expectations of life have been shattered, and, understandably, they cling to a few of the shards. They may stay in the stage of disorganization for a long time. The third stage of insight is reorganization. You experience a shift, and you let the old world go, even the shards. You accept the world that you see with your new eyes. What was previously seen as being absolute and real is now seen differently. The old structures, beliefs, and behaviors no longer hold, and you enter a new life.

It’s not always so easy, it turns out, to identify your core personal projects. And it can be especially tough for introverts, who have spent so much of their lives conforming to extroverted norms that by the time they choose a career, or a calling, it feels perfectly normal to ignore their own preferences. They may be uncomfortable in law school or nursing school or in the marketing department, but no more so than they were back in middle school or summer camp. I, too, was once in this position. I enjoyed practicing corporate law, and for a while I convinced myself that I was an attorney at heart. I badly wanted to believe it, since I had already invested years in law school and on-the-job training, and much about Wall Street law was alluring. My colleagues were intellectual, kind, and considerate (mostly). I made a good living. I had an office on the forty-second floor of a skyscraper with views of the Statue of Liberty. I enjoyed the idea that I could flourish in such a high-powered environment. And I was pretty good at asking the “but” and “what if” questions that are central to the thought processes of most lawyers. It took me almost a decade to understand that the law was never my personal project, not even close. Today I can tell you unhesitatingly what is: my husband and sons; writing; promoting the values of this book. Once I realized this, I had to make a change. I look back on my years as a Wall Street lawyer as time spent in a foreign country. It was absorbing, it was exciting, and I got to meet a lot of interesting people whom I never would have known otherwise. But I was always an expatriate. Having spent so much time navigating my own career transition and counseling others through theirs, I have found that there are three key steps to identifying your own core personal projects. First, think back to what you loved to do when you were a child. How did you answer the question of what you wanted to be when you grew up? The specific answer you gave may have been off the mark, but the underlying impulse was not. If you wanted to be a fireman, what did a fireman mean to you? A good man who rescued people in distress? A daredevil? Or the simple pleasure of operating a truck? If you wanted to be a dancer, was it because you got to wear a costume, or because you craved applause, or was it the pure joy of twirling around at lightning speed? You may have known more about who you were then than you do now. Second, pay attention to the work you gravitate to. At my law firm I never once volunteered to take on an extra corporate legal assignment, but I did spend a lot of time doing pro bono work for a nonprofit women’s leadership organization. I also sat on several law firm committees dedicated to mentoring, training, and personal development for young lawyers in the firm. Now, as you can probably tell from this book, I am not the committee type. But the goals of those committees lit me up, so that’s what I did. Finally, pay attention to what you envy. Jealousy is an ugly emotion, but it tells the truth. You mostly envy those who have what you desire. I met my own envy after some of my former law school classmates got together and compared notes on alumni career tracks. They spoke with admiration and, yes, jealousy, of a classmate who argued regularly before the Supreme Court. At first I felt critical. More power to that classmate! I thought, congratulating myself on my magnanimity. Then I realized that my largesse came cheap, because I didn’t aspire to argue a case before the Supreme Court, or to any of the other accolades of lawyering. When I asked myself whom I did envy, the answer came back instantly. My college classmates who’d grown up to be writers or psychologists. Today I’m pursuing my own version of both those roles.

Only God satisfies. ONLY GOD SATISFIES. Let this truism settle down deep inside your heart. It is the unveiled truth. Feed this truth to your spirit. Force it down and command it to chase down, repel, and extricate all lies the Devil has successfully planted inside your spirit. Will it to sleigh your flesh. Forget about finding happiness and fulfillment in your spouse, friend, or child. Fulfillment comes only when you are totally invested in your relationship with God. When you are facing a trial or walking through a storm, it is God who will comfort and satisfy your soul with boundless and extraordinary love and guidance. Within God’s love there is an all-embracing grace.

There are many things you can do to help your child direct and manage her own learning, but perhaps the most important one is choosing how and where to put your attention. Think hard about what you value most, because that’s what deserves your attention. Your child will respond by doing more of whatever earns your focus. You feed a behavior with your attention, and by feeding it, you create more of it — so be thoughtful about what you invest with that power. Contemplate your goals and intentions.

It strikes me as unfortunate that this approach - affording the same dignity to and investing in the same quality for a poor child as you would for your own - is so often received as provocative.

What Can You Do About a Passive Child? Parents of passive children have a double problem. These kids have the same boundary problems of irresponsibility or resistance to ownership, but it’s harder to engage them in the learning process. Here are some ways children exhibit passivity: • Procrastination. The child responds to you at the last possible moment. He finishes school tasks late and “makes” you wait in the car for him to get ready for school or other meetings. When you ask him to turn the music down or set the dinner table, a normally energetic and quick-moving child slows his pace down immeasurably. He takes enormous time to do what he doesn’t want, and little time to do what he wants. • Ignoring. Your child shuts your instruction out, either pretending not to hear you or simply disregarding you. She keeps attending to her toy, her book, or her daydreaming. • Lack of initiative and risk-taking. Your child avoids new experiences, such as meeting new friends or trying out a sport or artistic medium, and he stays in familiar activities and patterns. • Living in a fantasy world. Your child tends to be more inward-oriented than invested in the real world. He seems happier and more alive when he is lost in his head, and he retreats there at the first sign of problems or discomfort. • Passive defiance. The child resists your requests by looking blankly or sullenly at you, then simply doing nothing. She is obviously angry or contemptuous of your authority, but shows you without words. • Isolation. Your child avoids contact with others, preferring to stay in her room. Rather than confront, argue, or fight with you, she instead reacts against some problem you present by leaving you. Passive kids aren’t bad or evil. They simply have a particular way of approaching life that

Can I have your sperm?” “Umm, no,” says my very handsome friend. He’s standing in the doorway of his stunning Upper East Side townhouse, wearing a completely bewildered expression. Who can blame him? It’s 10 p.m. and I’m in my pajamas, my bunned-up hair hanging askew off my head. “Before you say no, hear me out––” “No,” he repeats as if I haven’t just given him instructions. He eyeballs my pjs with the pigs with wings pattern on them. A joke gift Delia bought me when she told me she sleeps naked and I said I would do that when pigs fly. They’re very comfy. “Are you in your pajamas?” “Yes.” I push past him to get inside. “I’m prepared to assume all cost,” I rush to say, my voice high and marked with desperation. “You know my financial situation. You know I don’t need help in that regard. And you can participate as little or as much as you want in raising our child––” “Slow down, Stella––” “Jeff said no...” I walk directly into his living room and come to an abrupt stop. Stacks of cardboard boxes are everywhere. “Are you moving?” “Yes.” Ethan brushes a hand over his gorgeous face. “Where’s this coming from?” “I want a baby and the gays said I was too structured. And we’re friends, right? We respect each other, right?” “Wait? What gays?” “The architect, and the professor of economics at Columbia. Keep up, will you.” Ethan chuckles and I glare back. This wasn’t supposed to be this hard. And it’s poking at all my sore spots. “I really liked the professor. He’s the one that said I was too structured. The architect said he found a more geographically suitable candidate, but I’m pretty sure he was lying because I would’ve moved uptown if that was the only issue.” “Okay––” he says, taking a deep breath, his hands on his hips. “You want a baby.” “Yes.” “So go to a sperm bank.” “Too anonymous.” “I’m not giving you my sperm, Stella. I’m moving to Los Angeles in less than two weeks and I’m getting married. I don’t think she’d be too keen on me handing over my sperm.” Stunned, I rock back on my heels. “What?! To who?” “To a woman I’m in love with.” He smiles then, the sweetest of smiles, and I know he’s serious. “Camilla’s friend.” At my blank response he continues, “The actress––we haven’t talked in months.” “I called.” “To tell me my investments are up thirteen percent.” “You’re up fourteen for the year now. And you said you were too busy for a drink.” “You canceled the last time.” Totally dejected, I slump down on the armrest of his couch. “You were the last name on my list.” I can’t keep the disappointment out of my voice. I’m so bummed I may start to cry and I am not a crier. Ethan chuckles softly. “Wow, thanks.” “You know what I mean.” “Why not a sperm bank?” “I want my kid to know his or her father. I don’t want to tell them I bought their father.

Applying math to practical problems was another business altogether; it meant a deep understanding of the problem before writing the equations. But if you muster the strength to weight-lift a car to save a child, above your current abilities, the strength gained will stay after things calm down. So, unlike the drug addict who loses his resourcefulness, what you learn from the intensity and the focus you had when under the influence of risk stays with you. You may lose the sharpness, but nobody can take away what you’ve learned. This is the principal reason I am now fighting the conventional educational system, made by dweebs for dweebs. Many kids would learn to love mathematics if they had some investment in it, and, more crucially, they would build an instinct to spot its misapplications.

The Rule of 72 is very simple: To determine how many years it will take an investment to double in value, simply divide 72 by the annual rate of return. For example, an investment that returns 8 percent doubles every 9 years (72/8 = 9). Similarly, an investment that returns 9 percent doubles every 8 years and one that returns 12 percent doubles every 6 years. On the surface that may not seem like such a big deal, until you realize that every time the money doubles, it becomes 4, then 8, then 16, and then 32 times your original investment. In fact, if you start with a single penny and double it every day, on the thirtieth day it compounds to $5,338,709.12. Are you starting to understand the power of compound interest? No wonder Einstein called it the greatest mathematical discovery of all time. Let’s assume a child is born today. For the next 65 years, she or her parents will deposit a certain amount into a stock mutual fund that pays an average annual return of 10 percent. How much do you think they need to deposit each day in order for her to have $1 million at age 65? Five dollars? Ten Dollars? In fact, a daily deposit of only 54 cents compounds to more than $1 million in 65 years. It really helps to start early.

But since you’re still dreaming of creating Disney Magic, I’ll tell you a secret: you have to make your own Pixie Dust. You must decide every day that reality is not going to get in your way; instead you embrace it and use your knowledge of the system to your advantage. You look in the eyes of every happy child and mine the gold that lies there. You learn to endure the operational ironies and focus instead on meeting and exceeding guests’ expectations, because the joy in their faces makes it worth the extra effort. You take to heart the words and legacy of Walt and invest yourself in keeping them alive for the child in every adult.

Here’s a culture war strategy conservative Christians should get behind: have more children and disciple them like crazy. Strongly consider having more children than you think you can handle. You don’t have to be a fertility maximalist to recognize that children are always lauded as a blessing in the Bible… [I]n the not-too-distant future, the only couples replacing themselves in America will be religious couples. Although there are many good reasons to have a baby, at the end of the day, as Jonathan Last maintains, “there’s only one good reason to go through the trouble a second time: Because you believe, in some sense, that God wants you to.” The basic reason countries stop having children is because they’ve come to see offspring as a liability rather than a source of hope. As Christians, we know better. Do you want to rebel against the status quo? Do you want people to ask you for a reason for the hope that is in you (1 Peter 3:15)? Tote your brood of children through Target. There is almost nothing more counter-cultural than having more children. And once we have those children, there is almost nothing more important than catechizing them in the faith, developing their moral framework, and preparing them to be deeply compassionate lovers of God and lovers of people and relentlessly biblical lovers of truth... I understand that many couples will be unable to have all the children they want to have. We have to allow for God to work in mysterious ways that we would not have planned. And yet, in so far as we are able, let us welcome new life... Presidents and Supreme Court justices will come and go. A child’s soul will last forever. The future belongs to the fecund. It’s time for happy warriors who seek to “renew the city” and “win the culture war” by investing in their local church, focusing on the family, and bringing the kingdom to bear on the world, one baby at a time.

list of documents that may be required. It can look intimidating, especially if you’ve not been actively involved in your family finances, but don’t panic. If you can’t find all of them or don’t have access, there is a later step in the divorce process called “discovery,” when you can legally compel the other side to provide copies of anything else you need: •Individual income tax returns (federal, state, local) for past three years •Business income tax returns (federal, state, local) for past three years •Proof of your current income (paystubs, statements, or paid invoices) •Proof of spouse’s income (paystubs, statements, or paid invoices) •Checking, savings, and certificate statements (personal and business) for past three years •Credit card and loan statements (personal and business) for past three years •Investment, pension plan, and retirement account statements for past three years •Mortgage statement and loan documents for all properties you have an interest in •Real estate appraisals •Property tax documents •Employment contracts •Benefit statements •Social Security statements •Life, homeowner’s, and auto insurance policies •Wills and trust agreements •Health insurance cards •Vehicle titles and/or registration •Monthly budget worksheet •List of personal property (furnishings, jewelry, electronics, artwork) •List of property acquired by gift or inheritance or owned prior to marriage •Prenuptial agreements •Marriage license •Prior court orders directing payment of child support or spousal support Your attorney or financial advisor may ask for additional documents specific to your case. Some of these may not be applicable to you.

by the time your child is a senior in high school you will want to have the bulk of your account in conservative investments; it is too risky to have your money invested in stocks when you know you will need that money in one to five years.

If you encourage your child when he makes a good grade, you can expect his grades to go down on average, not up. You might be tempted to believe that encouragement causes him to slack off, and therefore that encouragement is a bad idea. But reversion to the mean says that you should expect his grades to revert to the mean no matter what you say. As we have seen, you might also be tempted to conclude that negative feedback improves outcomes when reversion to the mean explains the phenomenon more simply. The main lesson is to address your feedback to the part of the outcome that is within control and forget about the rest.

If you don’t teach children what to do with their money, marketing and advertising will gladly show them how to spend it.

Oh, the Simply Outrageous places you will go if you learn to save and invest your dough.

Being a child from outside, caregivers aren’t invested in your emotional development as much. They assume that having a roof over your head and food is enough. You can’t get away with being honest in these kinds of conversations without someone attempting to throw in some positivity and gratitude. But it never is about that; children need their emotional needs watered. And openly discussing this is where we begin to rectify the past.

I love you, and I promise you I will support any reasonable endeavor you ever embark upon. But we are talking about twenty-five thousand dollars. Twenty-five thousand. And you have proven yourself to be a good man and a good son. But right now, you are a very poor investment.

Do Not Be Silent Encouraging words from a Loving Mother to her wonderful child There is greatness inside of you Allow your voice to be heard It is like medicine for the soul With healing power to the wounded Let your gifts take you through better doors Showcase your brilliant work to the world You can only get going after you have started So, invest in what is good for you Be an agent of transformation Help those in dire situations Lead others in the right direction Be part of the solution Choose to make a mark Open your mouth Say what is deep within your heart Do not be silent

A bright moon can astonish, no matter how many times you have seen it. If you were a child who loved the moon, looking at the moon will remind you of childhood. Fatherless girls may invest the moon with a certain paternal promise. Everyone has a father. A vague story like “Your father died before you were born” may satisfy even a canny child for an unlikely number of years. The truth of your paternity, discovered in adulthood, will make the lie seem retroactively ludicrous.

Until your money starts working for you, you will always be working for your money.

The process of co-parenting with a narcissistic ex can be challenging. It's hard for both parents to rebuild trust; it's easy for the children to question your motivations; therefore, the situation is costly, not only from lack of money going into a giant pot but also from all the therapy that needs to be done. Yet, despite the money, time, and energy to invest, it's still worth doing.

The conditioning of society is to destroy your capacity to be aware, to be conscious, to feel and to see. Then people can accept any kind of state in society. Just to survive they accept all kinds of humiliations. They are ready to live on a survival level. They are ready to live on a very low level of consciousness. Many people are existing below the human level. A person who is aware, conscious, who feel and see will rebel wherever he sees anything unjust and inhuman. He will not tolerate it.  There is so much injustice everywhere. To protect this injustice and all the political and economical investments that depends on it, society starts from the beginning to socialize and conform the child to live only on a minimum level. This guarantees that the control and exploitation of society continues.  The state, the politicians, the pedagogues, the priests, the media and the rich, they all control, manipulate and exploit people. The conditioning of societyis to make people unaware, unconscious and dull, because to allow people to be aware and conscious are dangerous to society. The whole society basically functions against making people aware and conscious.  Meditation is the way to learn to be aware, awake, conscious, watchful and available, which is why society basically is against meditation. Meditation makes you aware enough to find love. Meditation makes you aware enough to rebel wherever there is anything injust and inhuman. Meditation makes you aware and conscious enough to go against the unconscious mob psychology, which functions from the lowest state of consciousness.

Don’t grieve that your child has a problem. Don’t wish for the problem to go away either. And certainly don’t imagine that ‘bad times’ have befallen your child owing to ‘bad karma’! The truth is that no matter what you do or wish for, your child has to go through what they have to go through. Just as Life happened to you in its own unique way, it will happen to your child too. You can’t change that reality. Nor can you live your child’s Life. So, be practical. Be available for your child surely and invest in prayer. A crisis is Life’s way of coaching your child. So, pray that your child learns to face Life, not fight it or run away from it! Pray that your child evolves spiritually from the experience – often growing stronger, wiser and happy from it.

Capital recapturing the system of the psychotherapy industry ensures that the main goal of client improvement for client improvement sake is replaced by goals that are more marketable, such as fewer bad feelings or a better-behaved child for your parental dollar investment. Progress that isn’t immediately understood by a lay person may be tossed aside as unimportant, but these complex concepts simply are not unimportant.

As early as the first grade, my school was putting students into “learning tracks,” plucking out a slim handful of overachievers for higher-level learning and leaving the other students behind, investing less in them, assigning them to a lower place inside the larger system. We may have been too young to articulate what was happening around us, but I think many of us sensed it. You were aware that if you made one mistake, or had one stumble, or there was one distracting crisis at home, you could be immediately and often permanently relegated to the group that got less. When you’re a child in this sort of environment, you can palpably sense the fact that your opportunities are few and that they disappear quickly. Success is like a lifeboat that must be leapt after. Striving for excellence is an attempt not to drown.

Our wider consumer culture reinforces the idea that your child is an investment, and that the expected return should be measured early.

The greatest inheritance parents can give their children is not money, but the knowledge of how to manage it wisely.

Parents, your wallet is your child's first financial textbook.

Consider your life a philanthropic venture, where the true return on investment is measured in the positive transformations you inspire. Your wealth is the intangible, immeasurable impact you've had on the lives of others.

In sum, fitness indicators do the voodoo that they do so well because they are condition dependant: that is, only individuals in good condition, with good genes, can produce a high quality indicator. Conversely, individuals with high mutation loads are compelled to show off their poor quality fitness indicators. If fitness is faked, the receiver will find out by having poor-quality offspring; competitive peers will find out through size-comparisons; the gazelle will be made dinner; and the object of poetic affection may decide that your hyperbole is showing. Thus, in principle, both sexes have incentives to favor mates who display high-quality fitness indicators and to avoid mates who display low-quality indicators. In practice, males are typically choosy about female fitness indicators only when they invest substantial effort and resources in child-rearing, as do socially monogamous birds and humans. Female choice for male fitness indicators is much more common across species.

The child who grows into an Anxious attachment style has one or more parents who are present and loving one moment, and then absent or unavailable the next. Consequently, they can trust and deeply connect with their parents and then feel a strong emotional hunger when they disappear. As Live Science discusses, connection with caregivers releases oxytocin, among other neurochemicals, in the brain. Immediate withdrawal then creates a more significant sense of longing and a deeper dependency on their parent or parents to be soothed. However, the child will not actually have enough distance to learn how to self-soothe, so they will feel an even deeper need to rely on their caregivers. Consequently, a subconscious program that revolves around the fear of abandonment begins to be ingrained in the Anxiously attached individual. They will begin to get deeply triggered when the caregiver separates from them and will often feel lonely and unloved because they hunger for closeness. The inconsistency in parental availability for the child ultimately results in the child believing they must self-sacrifice to maintain their caregiver’s presence and be worthy of their love. If they do exactly what is demanded of them in relationships, they will subconsciously believe that people will stick around. In adulthood, this eventually creates a strong sense of resentment from the Anxious individual toward those they are sacrificing their needs and values for. Without the understanding of why they are doing this, they will continue to do so and will create turmoil in the relationships they value the most. Another scenario in which an Anxious attachment style can arise is when one caregiver is incredibly present and connected and the other is very withdrawn—again, a form of inconsistency. This time, imagine there is a child named Parker. He has a father who is ever-present, understanding, and loving. Parker’s mother, however, is always busy at work. A constant need to be clingy will arise in him because, while positive associations are being built by his closeness to his father, they are also simultaneously being taken away by his mother. He will eventually try to use activating strategies—the process of using past knowledge to make future decisions—to keep his mother from leaving. However, his energy is invested into maintaining closeness to his mother rather than learning how to self-soothe. This is why you’ll see the Anxious Attachment in adulthood ultimately working to prevent someone from leaving by doing whatever they perceive that person needs, rather than working on the actual problem at hand.

There’s a car racing metaphor I find helpful when I’m trying to remind myself to look up from my laptop and take a break. When I was a child, I visited the maintenance pit of the famous Silverstone Formula One racetrack, and of course it was fascinating to learn about the tire switches and refueling that mechanics were able to do in just a few seconds. But what stayed with me most was the idea that success was determined not only by the car’s speed on the track, but also by the “pit strategy”—the race team’s scheduled pit stops. Each stop was a tactical investment in performance, a deliberate slowing down, to enable the car to speed up afterward. Pit stops are not wasted time—they’re an essential part of an efficient, well-planned race. And your brain is like that race car. Downtime is as important to your work as every other part of your day, and you need to make sure you get enough of that time throughout the day. Plan for it, protect it, respect it.

Strategy #10 – Saving for Your Child’s Education with Maximum Tax Benefits The challenge I have with government-sponsored educational savings plans is that the government is in control of your money, how you use it, when you use it, and how it’s taxed. For example, in a 529 plan (also called a Coverdell IRA), you can deduct money you contribute to the IRA and then when you use it tax-free for your child’s education. Sounds almost too good to be true, doesn’t it? What sort of limitations do you think the government places on these funds in order to control your money? First, they control how much you can contribute. Then, they control what you can do with the money in the plan, even controlling how you invest the money. Next, they control what expenses you can pay for with the fund. Only certain educational expenses qualify. Finally, if you don’t use the funds for education, you have only two choices. One choice is to transfer the money to a relative who can use it for their education. The other is to distribute it to yourself and pay taxes and penalties. So, if you make too much money from your investments in the plan, you pay a penalty for not using all of the money for education. What if you could have all of the tax benefits of a 529 plan without giving the government any control over your money? Wouldn’t that be a lot better? In tax strategy #5 we talked about paying your children to work in your business. When I teach this principle in my Tax and Asset Protection class, the question always comes up about what to do with the money you pay them. This is the perfect opportunity to have your children pay for their own education without having to rely on Section 529 plans or other tax-deferred, government controlled educational savings plans. Your children can contribute their money to an LLC, limited partnership, or S corporation that owns a business or investments. Like a 529 plan, you get a deduction when you pay your child a salary. Like a 529 plan, there is no tax to the child when received. Like the 529 plan, with good planning, especially in real estate, there is no tax on the cash flow from the investment. But unlike a 529 plan, you have full control over the investment. Unlike a 529 plan, you can take it out and use it for any expense for your child (except for support, like food and clothing), and you can take it out any time you like. Unlike a 529 plan, there are no penalties for distributing the money or accumulating a huge amount over a lifetime. Now isn’t that a much better plan than a government-controlled savings plan? Stop using government plans and make your own plan. You will have much more control and

Since your partner is carrying the child, it’s possible that dads will feel a kind of emotional detachment from the process. That’s normal. This is why you should seek to involve yourself in whatever capacity you can. Accompany your partner to doctor’s appointments, go shopping for baby items, paint the baby’s room, and do everything in your power to make your partner feel like you’re just as invested in this as she is.

Reading the book of Proverbs on child rearing is like paying good money for financial advice and being told after ten sessions, “Here’s what I’ve come up with. Invest your money wisely, and you will be set for retirement.” I was hoping for stock tips.

God entrusted our children into our hands as one of the best works for which we answer to Him. He gave us the stewardship of shaping, investing in, and inspiring for His glory these little human beings entrusted into our hands by His love and design. Because I had committed my whole life to Christ, one way for me to worship God was to serve these precious human beings He entrusted into my hands. God ordained family and home to have eternal value as the place our children are shaped in the transcendent image of God, through our homes. This is our most lasting legacy. Even as Jesus served us through His sacrificial life, so we model his love through our sacrificial life.

Birth——————————————Death Think of this line as representing your lifetime. Place an X on the line to indicate where you believe you are at present. That is, if you believe that you have lived half of your life, place the X midway between Birth and Death. If you believe that you have lived two-thirds of your life, place the X two-thirds along the line. Once you have placed the X on the line, take note of your feelings. Do you have a sense of relief? Of anxiety? Of fear? Or a realization that much of your life has passed? Next think of six significant events in your life: examples would be meeting your spouse or partner, the birth of a child, the death of a friend, an exciting vacation, a failure, a good financial investment, graduation from university, the birth of a grandchild, a car accident. Number the events 1 through 6 and place the numbers on the line between your birth and the X. What emotions do you feel about each of those events? What about the emotion you feel about your life as a whole? Are you satisfied with the life you have lived? Do you wish that some things had been different? Are there events that ought to have been placed on the line but because of the pain they caused you omitted them? Focus on the line between the X and Death. How might you best embrace life in the time that remains?

You must regard parenting as one of your most important tasks while you have children at home. This is your calling. You must raise your children in the fear and admonition of the Lord. You cannot do so without investing yourself in a life of sensitive communication in which you help them understand life and God’s world.

It must be difficult to be a mother,” she continued thoughtfully. “To create and nurture and raise a tiny person, to invest all of your heart in it, only to have them grow up and not need you anymore. It must hurt to feel that kind of abandonment. To be forced to let go because of time and nature and the well-being of… both the child and the mother, I suppose?

One of the greatest ways to invest and spend time together as a family is by serving God together. Perhaps you would partner with your child in reaching a soul for Christ or making a visit to someone enduring a trial. Perhaps you could minister together in some weekend program or ministry. There’s no better place to raise up the next generation than around Bible-believing, God-honoring Christian friends and ministry.

Another time, you might pull your child close—don’t delay, because most smokers start between the ages of eight and 14—and say, “See that nice young man over there with his collar up in the wind, smoking outside that building? They won’t let him smoke inside, because a lot of people don’t like smoke, and his family is probably worried that he might get sick someday—but forget all that. Here’s his real problem. Those cigarettes he’s become addicted to cost him $6 a day. By now, he’d probably like to quit smoking, but it’s very, very hard to quit once you start. So he gives the tobacco companies $6 a day and probably will for the rest of his life. But if he hadn’t gotten hooked, or could somehow quit, and put that $6 a day into a mutual fund at 7% instead, he’d have an extra $2 million by the time he’s Grandpa’s age.

For family vacations, give each child a predetermined sum that has to last the whole trip. You’d still pay all the basics—travel, meals, tickets to the water park. This allowance would be for the completely optional extras. Your kids will learn to make the money last over the specified number of days and to weigh each purchase more carefully. Good life lessons. Meanwhile, you may be spared the begging for trinkets and candy, because that’s now all at their discretion. If, under this system, your kids turn suddenly frugal and actually end up with some leftover cash, good for them. It’s theirs to keep. Indeed, as a life lesson in delayed gratification, you might even offer, up front, to double whatever they have left over at the end.

You were called to the job of motherhood long before you began homeschooling. Your older kids have the rest of their lives to learn division facts and participial phrases, but your toddler will only be little for a short time. In the busyness of the school day, don’t just “occupy” your smallest gifts, enjoy them, invest in them, delight in them.