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The Gender Wage Gap Can Start As An Allowance Wage Gap

In recent years we’ve heard more and more about the wage gap: what causes it, who it affects, and how big the gap really is. Recent research confirms a related, growing trend: that the wage gap starts when we’re (very) young. According to a study released earlier this summer by Keep Reading
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Our Top Halloween Money Lessons

Happy Halloween! We hope you and your family had a great time carving pumpkins, showing off this year’s costumes, and trick-or-treating. Consider taking advantage of the holiday to bring up some key financial lessons with your kids. Halloween is chock full of money lessons, and this week, the inherQuests team Keep Reading
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Making Money Real For Kids (Part 2)

Last week we shared ideas to teach kids about money in real world contexts—things like using a clear piggy bank and taking advantage of every opportunity to teach budgeting. But making money real doesn’t always need advance planning or focus on an activity. You can teach your kids about money Keep Reading

Making Money Real For Kids (Part 1)

When your kid sees cash come out of an ATM as if by magic, or a little plastic card swipe through a machine so that they can have their favorite milkshake, it gives them an unrealistic perception of money. When they’re not the ones earning it in real life, it Keep Reading

Should Financial Literacy Be Taught At Home Or In School?

A child is like a sponge. Well, only in the sense that they are constantly taking in and storing something, and that something is information, according to Age of Montessori. They’re getting it from all around them: at home, at school, from their friends, their teachers, and especially from their Keep Reading

‘Negotiation Parenting’ Boosts Your Kids’ Money Skills – Use these tactics to raise money-smart kids.

Negotiation is a skill we use throughout our life, starting from when we’re kids dividing up for afterschool sports, or deciding who gets to choose the evening’s movie. Down the line, negotiation has significant financial implications, too. When your kid faces their first salary negotiation, bargains for their first car, Keep Reading

Self worth may lead to higher net worth – here’s how to raise kids with high self esteem and confidence

Negotiating for anything—whether it’s an ice cream cone or a job promotion—requires an inherent sense of valuing oneself. In order to ask for what you want, you have to believe you deserve it. Self worth is a building block towards net worth later in life. And unfortunately, kids—especially girls—struggle with Keep Reading

How to Teach Your Kids to Discern Wants and Needs

It took a recent trip to the store to get a reality check for my daughter and I. Walking  down the large department store aisles, she piped up with, “But what are we going to buy for me?” When I asked her to clarify what she meant, she excitedly exclaimed Keep Reading

Five Lessons Learned From A 5 Year Old’s Lemonade Stand

As parents to two little girls, my husband and I often think about the job we have as the educators and protectors of our daughters. We discuss whether we are doing a good enough job, and I’ll be honest, we usually feel like we are failing in one way or Keep Reading

Summer Jobs For Kids At Every Age

For kids, summer days are filled with ice cream cones, outdoor play, beach outings—and eventually, their first summer job. Working over the summer is a great opportunity for your kids to adopt important money values—and start earning some cash, too. Plus, a short-term position is a great opportunity to help Keep Reading

Six Steps Dads Can Take to Shape Financially Confident Daughters

If you’re a parent of young children, you may have wondered how and when you should be teaching them financial skills - it is never too early! We have been sharing our advice through our blog posts to help with that, and for Fathers Day, we have six practical steps for dads Keep Reading

Ten Educational Games and Resources for Kids to Learn Financial Skills

You may have recently read our article with ten digital-based games for children, but we know there are also times when physical games are just the thing to keep your little ones occupied on rainy days or after school. Tangible games also teach motor skills and tactile learning that digital Keep Reading

“Mommy, What Are Taxes?”

“Taxes” are confusing, even for adults. We know they’re often taken out of our paychecks, or owed come April every year—plus, they go towards essential governmental services. But really, what are they? Where exactly do they go? How do they work? Why do we pay them? Turns out the answers Keep Reading

8 Basic Money Lessons We Must Teach Our Kids

Growing up, it can be difficult for kids to really get what the whole deal with this “money” stuff is. In all likelihood they see food appear on the table and feel heat coming out of the radiator without making the connection to mommy and daddy going to work or clipping coupons Keep Reading

Why You Should Stop Keeping Up With the Joneses — and Help Your Kids Do The Same

Keeping up with the Joneses comes with a price—and it might be higher than you think. Overspending—on the newest iPhone, trendy clothes, or an Instagram-worthy vacation—adds up, but the real cost won’t be to your wallet, but instead, your wellbeing.This kind of mentality can hit kids hard too. While they’re Keep Reading

Ten Games that Teach Financial Principles to Kids

As parents in today’s day and age, it can feel like every moment is already filled before the day even starts. Between schoolwork, daycare, work, or family events, it can be incredibly hard to schedule out intentional play time. Educational games can be a way to incorporate that rare and Keep Reading
Nicole Hamilton

America Saves Week Spotlight: Nicole Hamilton

Nicole Hamilton is the CEO and Founder of Homeownering, a site for homeowners to get good financial outcomes. She is also the author of the book “Avoid the Money Pit, Turn Your Home Into a Financial Powerhouse” on how to get the most out of homeownership financially. As a child, Nicole’s parents always Keep Reading

America Saves Week Spotlight: Grace Cartwright Aspinwall

Grace Cartwright Aspinwall’s family lived frugally, yet she and her siblings never felt that their necessities were not taken care of. Despite the large pay cut her father took when he became an ordained minister, her parents were still able to put all of their four kids through college and pay Keep Reading

Are Your Fears Getting In The Way Of Your Kids’ Financial Education?

It may be some time before your little ones start learning how to drive, moving out to start college, or hunting for their first apartment; but with a driver’s license comes car payments, with college comes tuition bills, and with an apartment comes rent. You want to ensure they are Keep Reading
How To Help Your Kids Set Money Goals

How To Help Your Kids Set Money Goals

The idea of setting goals is appealing to many parents; goals teach responsibility, show kids how to persist through obstacles, and create initiative. But when it comes to money, sometimes it can be hard to integrate goal-setting in a meaningful way that young kids can understand. Research shows that children Keep Reading

Signs of Financial Irresponsibility in Kids (And What To Do About It)

Though a few dollars here and there might not add up to much today, raising financially irresponsible kids could cost you and them a lot more down the line. Whether it’s grown kids who won’t leave the nest, or ask to borrow large sums of money when they can’t pay Keep Reading

How To Tell Your Kids You Are In Debt

Recently, we covered an important question: should you tell your kids you’re in debt? As we discussed, the answer varies, and what is right for your family may differ from others. If you’ve decided that the pros of telling your kids outweigh the cons, your next challenge is figuring out Keep Reading

Ways to Talk to Your Kids about Entitlement and Gratitude

In our family, I often refer to the holiday season as “the season of the gimme’s”. With the obvious holidays of thanksgiving and Christmas, we also have several winter birthdays among our kids, so it can feel like it is nothing but a non-stop stream of gifts, gift opening, and Keep Reading

Should We Tell Our Kids We’re In Debt?

There are a lot of questions parents struggle to answer: Is Santa real? Where do babies come from? Why can’t I get a tattoo? But one question that’s on a lot of parents’ minds and doesn’t get as much air time: should we tell our kids we’re in debt? As Keep Reading

How To Have “The Candy Talk” With Your Kids This Halloween

Halloween candy comes in in a rush—your kid may collect as many as hundreds of candies in a single night. In addition to preventing sugar highs (and sugar crashes), you can use all this candy currency to have an important conversation about budgeting, savings, and the benefits of patience. After Keep Reading

How To Model Strong Financial Skills To Your Daughter (As A Working Mom)

As a working mom, I have dealt with the continual feelings of guilt that seem to accompany mothers into the workplace. Whether they’re based in our own struggles, or from opinions of others, it’s easy to feel inadequate and stretched thin. But there is one area that I feel gives Keep Reading

Why Your Kids’ Financial Education Is The Best Investment You Can Make

What if you could give your child a gift that was guaranteed to increase in value as she gets older? Something that would provide her with not only financial wealth, but also boosted confidence, decision-making skills, and preparation for becoming an adult? Financial literacy can offer your child all this Keep Reading

Allowance Alternatives That Won’t Cost You A Dime

Teaching money lessons doesn’t have to cost money—even when it comes to an allowance. When you break it down, an allowance is two things: 1) a resource you give your child that they then decide how to use; and 2) a tool to help teach healthy financial habits and skills. Keep Reading

Why Old Is (Still) Gold

Kids have a reputation for being rebellious, especially against their parents: they do not want to wear those socks, or eat those veggies, or go to bed! But it turns out there’s one set of family members that kids actually do want to listen to: their grandparents.It seems that grandparents Keep Reading

Fun Activities To Do With Kids This Labor Day Weekend

When we think of Labor Day, we imagine enjoying a barbeque with family and friends; for kids, it’s often the last weekend before school begins. But the holiday’s origins are actually quite different. In the late 1800’s, the average American worked seven days a week, twelve hours a day, just Keep Reading

Fun Ways to Teach Your Kids About Gender Equality at Work

There are so many places that gender inequality affects women and men, but one of the most impactful—especially when it comes to kids’ financial futures—is inequality in the workplace. It is important to start talking to kids about gender equality sooner rather than later, to instill those values from a young Keep Reading

How To Start Budgeting For Your Next Big Vacation

Parents today deal with a number of financial concerns when it comes to raising kids, and travel is just one of them. Whether it’s an unexpected flight to visit family, or a monumental trip to Disneyland, costs can mount quickly. It can leave you with a pile of uninvited debt, Keep Reading

Save on Back to School Shopping and Teach Your Kids These Money Skills

Back-to-school shopping can be overwhelming, and for good reason! Between required school supplies and those extras your kid begs for, it’s an expensive time of year, and can eat up a bigger chunk of your budget than you might expect. What if it didn’t have to be, though? What if, Keep Reading

How to Say No (When Money Is Tight) and Make It Sound Like A Yes

Your five-year-old daughter throws herself down on the floor and refuses to get up until you promise to buy her an ice cream cone. She starts crying, then sobbing, then wailing. The harder you try to get her to stop, the louder she screams. You’re in a rush and have Keep Reading

Protecting Kids From Identity Theft

You know your kids are separate individuals—mostly because they rarely miss an opportunity to tell you that they want to do things themselves or to ask you to leave them alone. At least, until they can’t find something they need for school right as you’re all walking out the door! Keep Reading

Let Your Kids Make Bad Financial Decisions

There’s so much info out there about how to raise our kids. Too much sometimes, if we are being honest! We constantly talk about our choices and preferences, sharing information and opinions in person and online—yet when it comes to money, we clam up. We don’t talk to our friends Keep Reading

How To Balance Debt And Saving, And Teach Your Kids The Same

Though our America Saves Week spotlight interviews focused on saving, “debt” came up just as often. I can’t say I was surprised, since it is another tool which gives us access to cash we otherwise wouldn’t have access to; but debt can also become an impediment to saving. Our parents lived Keep Reading

America Saves Week Spotlight: Simone Tchouke

For America Saves Week (ASW), I wanted to bring you personal insights and experiences from real women in my life. They are all at different stages of their journey to financial freedom and have great insights and tips. I was also fortunate to be able to interview a mom and dad who played a huge role in Keep Reading

America Saves Week Spotlight: Holly Parker

For America Saves Week (ASW), I wanted to bring you personal insights and experiences from real women in my life. They are all at different stages of their journey to financial freedom and have great insights and tips. I was also fortunate to be able to interview a mom and dad who played a huge role in Keep Reading

America Saves Week Spotlight: Arthur Parker

For America Saves Week (ASW), I wanted to bring you personal insights and experiences from real women in my life. They are all at different stages of their journey to financial freedom and have great insights and tips. I was also fortunate to be able to interview a mom and dad who played a huge role in Keep Reading

America Saves Week Spotlight: Amanda Steinberg

For America Saves Week (ASW), I wanted to bring you personal insights and experiences from real women in my life. They are all at different stages of their journey to financial freedom and have great insights and tips. I was also fortunate to be able to interview a mom and dad who played a huge role in Keep Reading

America Saves Week Spotlight: Shelly Wolf

For America Saves Week (ASW), I wanted to bring you personal insights and experiences from real women in my life. They are all at different stages of their journey to financial freedom and have great insights and tips. I was also fortunate to be able to interview a mom and dad who played a huge Keep Reading

How to Be a Better Saver

There’s no arguing against the fact that women are definitely at a disadvantage when it comes to saving. Not only is there often a disconnect between what we know and what we actually do, but on average, we also earn less, have a hard time returning to work if we choose Keep Reading

President’s Day Fun Currency Game for Kids

President’s Day, celebrated the third Monday in February, is a national holiday that was originally celebrated to honor our first Commander In Chief, George Washington. Over the years, it has become a day to celebrate and remember all Presidents and their service to our country. Try this game with your family Keep Reading

Yes, You Should Give Your Child An Allowance

When it comes to learning to manage finances, experiential learning is key. It is one thing to tell your kids about wants vs. needs or saving and spending, but helping them develop good money habits is truly about practice, practice, practice. Just like all those piano lessons and soccer games, Keep Reading

The Best Resources for Personal Finance Education

Did you take a personal finance course in school? Did your family talk to you about money at all? If we had to guess, we’d say most of you answered no to these questions.  That lack of knowledge can be crippling as adults facing everything from salary negotiations to making Keep Reading

How To Keep Your Financial Resolutions in 2017

Some people love the new year. It’s a fresh start, a chance to make goals and stick to them. For others the very idea of a resolution is so daunting that setting any goals, financial or otherwise, at all feels like a recipe for failure. The reality is that whether Keep Reading

Encouraging Kids To Take Risks

As the New Year approaches, we often begin to think about our resolutions—what goals we have for ourselves that will, hopefully, produce growth in some way. These often are things like wanting to exercise more or traveling to a new place. Although you may not initially connect New Year’s Resolutions Keep Reading

Have Your Kids Gotten Their “Scrooge Vaccine” Yet?

As parents, grandparents, family friends…it’s hard. We want to give kids the world and we live to see the excitement on their faces as they receive a gift. It’s so much fun to pick out and wrap presents, to see their anticipation this time of year! The flip side of Keep Reading

Budgeting Tips for 2017

We’d be willing to bet that one of your resolutions for the upcoming new year involves money—either spending less, saving more, or some combination of the two. Why? Because 25% of people who responded to a Nielsen poll last year said that one of their top resolutions was to spend Keep Reading

Putting the Giving in Thanksgiving

We’ve already addressed generosity and how to help your kids develop a sense of thankfulness during the holiday season—but if you want your kids to be the kind of people who frequently and freely give of their time and resources, you can use the Thanksgiving holiday as a starting point Keep Reading

Teaching Kids Gratitude

“Is that it?” Your stomach drops and your blood pressure rises. Do they have any idea how many hours (not to mention how much money) you spent on shopping and wrapping? Or how long it took to put together that bike? Of course not. Kids are naturally self-focused and need Keep Reading

5 Ways to Stay On Budget This Holiday Season

Before we’ve even had a chance to get over our Halloween candy bellyaches (seriously, someone please come take the rest of our mini Snickers), the lights are going up all over town and holiday shopping deals are already popping up online. Holiday creep is real—however, if you look at it Keep Reading

Where Does Money Come From?

Where Does Money Come From? Ask kids this question, and enjoy a wide range of hilarious and eye-opening answers! “From the ATM machine.” “From your wallet.” “Dad pays you, right?” (Ouch.) Money might seem to grow on trees as far as your kids are concerned, but it is fall… and Keep Reading

A Win For Girls and Women

Thank you for believing in our mission and helping us achieve beyond our goal! I wanted to remind everyone why women, why crowdfunding and why we are a for-profit entity. Women still face a long list of challenges in our lives that are one way or another related to money, many Keep Reading

Free Halloween Games for Kids

Remember being a child at Halloween, hauling home your candy stash to dump out on the floor and enjoy in all its glory? There’s nothing quite like that feeling of abundance. As parents, we indulge in dressing up our little ones, “ooh” and “aah” over how cute they look, and Keep Reading

The Quest for Financial Freedom

In April of 2013, I found myself cold, exhausted, and trying to conceal the pain I was in as I stood at the bottom of the top of the world—Mt. Everest. Just 8 months before this moment, I felt like I was on top of the world: I had just Keep Reading

Can Early Financial Education for Girls Kill the Gender Gap?

Why does the gender gap exist? Good question. Well, I can think of a number of factors that could very well contribute to it: imbedded patriarchal societies that dictate behaviors and perceptions of what a woman’s role should be; hidden (and sometimes implicit or overt) biases; women’s decisions and responsibilities Keep Reading

How To Teach Financial Literacy

Growing up in a family of bankers, I was always surrounded by talk about money, investing and credit—but it never made sense to me. I used to keep looking at the clock, counting down the seconds until I could escape to play soccer with the boys, or to get lost in Keep Reading

Marriage is not a Financial Plan

Even in the age of #Girlboss and Lean In, little girls are still told that “prince charming” will come and sweep them off their feet, take care of things and life will be a happily-ever-after story. In this economy, they can’t afford to grow up believing that a “prince” (or Keep Reading

Not Discussing Money with Your Daughter? 4 Good Reasons You Should Be.

Not Discussing Money with Your Daughter? 4 Good Reasons You Should Be For most parents it’s normal to protect kids from subjects they feel are too complex for them and sometimes even more so with their daughters. When kids ask questions about how much money we make, and why we Keep Reading

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